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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

Can IVA payments change?

IVA payments can change if your circumstances change - and this can affect how long your IVA lasts. Find out more here. Read article

What's the difference between an IVA and a debt management plan?

IVAs and debt management plans are suitable for people in different financial circumstances. Read article

Can I enter an IVA if I don't own a house?

Whether or not you're a homeowner shouldn't affect your eligibility for an IVA. Read article

What's the difference between an IVA and debt consolidation?

An IVA and a debt consolidation loan are two approaches designed to help borrowers in very different situations. Read article

What if an IVA isn't suitable for me?

Different debt solutions are suitable for people in different circumstances. If an IVA isn't suitable for you, there may be alternatives. 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 out more about managing your money and getting free debt advice, visit Money Advice Service, an independent service set up to help people manage their money.

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.