Individual Voluntary Arrangement (IVA)

Are you struggling to repay your debts?

If you have large debts, multiple creditors, and are struggling to meet your repayments, an individual voluntary arrangement could be the answer to your problems!

Complete this simple form, there are just five questions, and one of our award-winning advisers will call and discuss your situation to see if you are eligible for a debt management plan – and if not, what else you can do.

There is no fee for our advice and you are under no obligation at all to use any of the services we may suggest for you. So what have you got to lose? Contact us now!


IVA Benefits

  • Just one monthly payment
  • Write off up to 80% of your debt
  • Creditors legally stop chasing for payment
  • A strict time frame of just five (occasionally six) years

Debts an IVA Covers

Amongst other things, an IVA can help repay

  • Credit card debts
  • Overdraft debts
  • Loan debts
  • Rent arrears
  • Utility bill debts
  • HP debts

Advice You Can Trust

Debt Assist UK are monitored and regulated by the Financial Conduct Authority, an independent public body that acts as the regulator for financial firms all over the United Kingdom, ensuring that the financial market is honest, fair and effective for consumers.

You can find us on the FCA register here.

Alternative Debt Solutions

Debt Management Plan (DMP)

A debt management plan (or DMP) is an informal agreement in which you agree to repay your creditors off at an agreed, but affordable, amount each month until your debts are paid off.

Protected Trust Deed (PTD)

Specifically for residents of Scotland, a protected trust deed (PTD) is similar to an IVA in that it is a legally-binding agreement between you and your creditors, whereby you make one, affordable monthly payment.


If your debt has reached an unmanageable level, bankruptcy is one way of managing it, especially if you are in no position to pay off your debts in a reasonable time frame.

Customer Testimonials

These are all genuine customer testimonials, to read more please visit our testimonials page.

“From my initial call, I found the adviser to be incredibly knowledgeable and non-judgemental as he genuinely wants to help find the best solution for you. I can't thank him enough! Needless to say, I slept really well last night (something I haven't managed to do in months)! You're a real life saver!”

IsabellaFantastic service!

“They have really helped with my situation. Only just starting but already feel better about things. They always make time to answer any questions you have too. Thanks for your help:)”

AndyAlready feel better.

“From sleepless nights worrying constantly. To the best sleep in years. I can not thank u enough for all your help. You genuinely are fab caring people . Feel like I'm back in control. All due to debt assist. Anyone in the same boat as me . DON'T HESITATE . Give debt assist a call. Best thing you'll do today . ”

VandaBest sleep in years!