Individual Voluntary Arrangement (IVA)

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!

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

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.