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If enough of your lenders agree, an IVA can freeze your interest and reduce your monthly repayments to an amount you can afford.

An IVA is designed to help clear all your unsecured debts - although you may have to remortgage to release equity in your home.

Once you're in an IVA, you won't need to deal with your lenders anymore and they won't be allowed to take legal action against you, as long as you uphold your side of the agreement.


Is an IVA right for me?

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To find other sources of free advice visit Money Helper. It’s here to listen and give free, impartial, trusted guidance.

Apply for an IVA

Tell us what kind of debt problems you're facing - and we can tell you if an IVA looks like the best way for you to get out of debt.

Even if an IVA isn't the best approach, our experts can explain your options and put you in touch with people who specialise in other debt solutions.

Key facts and information about IVAs

If you choose to take out an IVA, fees will be applicable. To read the key facts about our services and fees and discover how they work click here.

Download the Insolvency Service guide to dealing with creditors.

Read here for information about our Complaints Procedure and referring a complaint to the Financial Ombudsman Service.

Subject to eligibility and acceptance. Fees Payable. Debt write off applies to unsecured debts only and on completion of an IVA, alternative solutions may be offered. If your IVA fails, it could lead to Bankruptcy. Your ability to obtain credit will be affected for at least 6 years. Homeowners may be required to release the equity in their property.

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