An Individual Voluntary Arrangement or IVA is a government approved legally binding arrangement made between a debtor and his or her creditors. An Individual Voluntary Arrangement could help reduce your debts by up to 75%, help reduce your monthly repayments to one affordable sum, repayable over 5 years. After the five years, you could be considered to be debt free.

What is an Individual Voluntary Arrangement?

How an Individual Voluntary Arrangement could help you.

IVA Individual Voluntary Arrangement




To qualify for one of our Individual Voluntary Arrangement programmes

• You need to owe more than £15,000
• You need to have unsecured credit loans, credit cards, store cards
• You need to be only be paying the minimum repayments
• Or you are just paying interest charges
• You are looking for a solution to your debt problems
• You need to have an income in excess of £1000 per month
• You are not currently under a debt management programme

If you owe less than £15,000, depending on your circumstances, a Debt Management Plan

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