The IVA: Individual Voluntary Agreements and Managing Your Debt

Getting back on track financially is absolutely achievable with the right guidance, and our free expert advice makes it straightforward to explore all your options including IVAs, debt management strategies, and proven solutions. The IVA is here to help.

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Can 'Sell and Rent Back' Help Me Out of Debt?

See if selling and renting back your home could help you escape repossession, and what the real costs might be.

Can I Still Get an IVA in Light of Current Circumstances?

IVAs let you write off 75% of debt through a formal agreement with creditors, but approval isn't guaranteed and affects your credit for years.

Bankruptcy vs an Individual Voluntary Arrangement (IVA)

Understand how bankruptcy and IVAs work, and what consequences each option carries when you're struggling with debt.

Are You Eligible for an IVA?

An IVA requires at least £15,000 in debt across multiple creditors, stable income and residency in England, Wales or Northern Ireland to qualify.

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New Debt Industry Standards and IVA

New lending codes protect people considering IVAs and other debt solutions from unfair practices by debt help companies.

Common Debt Solution Alternatives to an IVA

If an IVA isn't right for you, here are other ways to tackle serious debt based on your circumstances.

Simple Answers to Common IVA Questions

An IVA requires at least £15,000 in debt from multiple creditors, but your application can be rejected if you can afford repayments or creditors don't agree.

Debt Help Companies That Can Be Trusted

Reputable debt help companies put your interests first, but many advertise false promises and hidden fees, here's how to spot the trustworthy ones.

How to Avoid County Court Judgements

Stop a CCJ from damaging your credit by understanding the court process and taking action before creditors file against you.

Using a Financial Planner to Avoid Debt

A financial planner shows you exactly where your money goes each month and helps you cut unnecessary spending to stay out of debt.

The Realistic Way to Clear Personal Debts

Clearing personal debts takes real commitment and sacrifice, here's how to do it without falling for scams or paying for help you don't need.

UK Cost of Living and Hidden Personal Debts

Rising living costs are pushing more UK households into hidden debt they won't even tell their partners about.

IVA Timeline: From Application to Acceptance

How long does an IVA application take and what happens at each step of the process.

Saving Your Business With an IVA

An IVA can help a struggling small business avoid bankruptcy and keep trading if creditors agree to the arrangement.

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Expert Advice on an IVA & its Implications...