Debt is stressful, and the jargon around it often makes things harder. We created IndividualVoluntaryArrangements.net to explain IVAs in plain English, including the downsides, so you can make the decision that's right for you.
What we do
Our website brings together clear, practical guides on how IVAs work, who they suit and how they compare with alternatives like Debt Management Plans, Debt Relief Orders and bankruptcy. If you'd like to talk about your own situation, you can send us a free, confidential enquiry and a member of our team will get in touch.
Our principles
Every option, not just one
An IVA is right for some people and wrong for others. We always explain the alternatives, including free ones.
Honest about the downsides
We're upfront about fees, credit file impact and the commitment an IVA involves.
No judgement, no pressure
Debt can happen to anyone. You can take your time, ask questions and decide not to go ahead.
Your privacy matters
Your details are handled securely and only used to respond to your enquiry. See our Privacy Policy.
Where we help
We're based in Newcastle upon Tyne and help people across England, Wales and Northern Ireland, where IVAs are available. If you live in Scotland, our guide to Protected Trust Deeds explains the Scottish alternatives.
Get in touch
You can reach us by email at info@individualvoluntaryarrangements.net, or use the enquiry form at the top of this page.
Free, impartial advice is always available. You don't have to use a commercial service to get help with debt. MoneyHelper can point you to free debt advice services.