What is an IVA?

An IVA (Individual Voluntary Agreement) is simply an arrangement with your creditors whereby you make one affordable payment to a qualified IP (Insolvency Practitioner), who then in turn distributes payments that have been agreed by your creditors. Depending on circumstances and income and expenditure your creditors can agree to write off part of your debt. Your new payment is then spread over 60 months then after this period you will be debt free.

During your IVA agreement period your creditors are not allowed to contact you. All you have to do is pay the minimum payment to your IP. The idea is that you write off a huge sum of debt, pay what you can afford, which enables you to get a hold of your finances. We will help educate, inspire and advise you on the best way to do this.

An IVA is comprehensively backed by Government Legislation to protect you the debtor, and the creditors. Together we can hit your debts head on and come to an arrangement that is beneficial for all. Get started now and see if you qualify. We can help you make a formal decision and help you decide if an IVA is the right choice for you.

You could qualify for an IVA if you answer yes to the following:

  • £4,500 or more in debt.
  • Have more than 2 creditors.
  • You have more that £70 disposable income per month after paying debts.




Approximate Debt ?

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We can help put your IVA in place
3 Simple Steps from Expert Advisors

Talk to us

Fill in the Get Started Now form and see if you Qualify. One of our Money Worries Advisors will contact you.

Help & Advice

Your Money Worries advisor will educate you on solutions available, enabling you to make an informed decision on the path to take.

Your Solution

Together with our trusted and regulated partners, we will guide and support you every step of the way.

Our Social Mission

Our social mission is to put ourselves on the front line in the fight against poverty and financial hardship. We are a free, community based debt help service that is equipped to remove all of your money worries, stresses and pressures. Our mission is to make ourselves available within communities, providing honest and appropriate financial guidance and support; enabling consumers to create a debt free and brighter future for themselves and their families. We are here to empower, educate and encourage consumers to deal with their money worries head on.

We can help with most types of situations…

Credit Cards

Payday Loans

Unsecured Personal Loans

Store / Catalogue Debts


Local Council Arrears

CCJ Debts

Electric, Gas, Water Arrears

Need Help & Advice?

Contact us today for impartial advice on how to become Debt Free.