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IVAs (Individual Voluntary Arrangements)

An Individual Voluntary Arrangement (IVA) is an accepted and manageable way for you to clear severe debt and avoid bankruptcy: Backed by Government legislation, an IVA is a legally binding agreement between you and your creditors that freezes interest and charges and enables you to pay back only what you can afford.

With an IVA you could:

Write off all the debt you can’t afford
Freeze interest and charges
Avoid legal action such as bankruptcy
Protect your home from creditors
Stop demands from creditors

Part of the Think Money Group, our fully qualified Insolvency Practitioners will administer your IVA and undertake all negotiations with creditors as well all the paperwork on your behalf for the duration of your IVA (usually five years).

Help us to help you

One free call and our experts will discuss your situation and work out which solution is right for you. They’ll explain everything, in a straightforward and understanding way and will discuss your finances, in confidence and without obligation.

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Subject to eligibility and acceptance, debt write-off applies on completion of an Individual Voluntary Agreement, alternative solutions may be offered.
Fees payable. Your ability to obtain credit will be affected. Homeowners may be required to Remortgage during the term. Calls may be recorded.