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An IVA is a government approved legal agreement between debtors and their creditors. With an Individual Voluntary Arrangement you only have to pay a reduced, agreed monthly sum, normally for 60 months. The agreed monthly payment is divided between the debtors’ creditors, who accept the sum in final settlement of the money owed to them.

• Debtors are then guaranteed to be debt debt-free within 5 years
• Up to 75% of the debts are written off
• The debtor pays just one affordable monthly payment
• The interest and charges on the debts cease
• Tenants and homeowners are both eligible for an IVA

At the end of the 5 year IVA period – you do not owe any money to your creditors – and that’s guaranteed! The remainder of your debts have been written off, and you can make a fresh start in life, absolutely free of debt.

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