IVA Advice Centre

Surviving Christmas on an IVA

We know it can be stressful wondering where you're going to find the money for all that eating, drinking and making merry. But living on an IVA doesn't have to mean Christmas is cancelled. Read article

When does a debt become statute barred?

Unsecured debts can become 'statute barred' after six years, and secured debts after twelve. Read article

What is an IVA proposal?

An IVA proposal shows your unsecured lenders exactly how an IVA could work for you. Read article

Can I include gas bill arrears in my IVA?

Gas bills are a priority debt, which means that they can't usually be included in an IVA. However, arrears could be included in some circumstances. Read article

IVA or DRO: which is the better option?

IVAs and DROs can help people in different situations to deal with their unsecured debts. Read article

What if my lenders don't accept my IVA?

If your lenders dont agree to an IVA, there are still options open to you. Read article

It's good to know:
  • We negotiate with the UK's major lenders and retailers
  • We pride ourselves on our approach to great customer service
  • Each month 1000s of people are benefiting from our help

To find other sources of free advice visit Money Helper. It's here to listen and give free, impartial, trusted guidance. Based around you and backed by government.

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.