IVA help across North East England

We're based in Newcastle upon Tyne and handle enquiries by phone and email, so wherever you live in the North East you can find out whether an IVA could work for you without travelling anywhere.

Enquiries handled by phone and email, with no office visit needed

Local guides covering councils, housing and living costs in your area

Free, confidential and no obligation

Free & confidential Based in Newcastle upon Tyne England, Wales & NI

An Individual Voluntary Arrangement works the same way in law wherever you live in England. What changes from place to place is the detail: which council collects your council tax, what housing costs look like, how people commute, and which local employers and industries shape household incomes.

Our area guides look at those local details so you can see how an IVA, or one of the alternatives, might fit your circumstances. Choose your area below.

Tyne and Wear

The Tyne Bridge silhouetted against an evening sky — Tyne and Wear: help for Newcastle, Gateshead, Sunderland, South Shields, North Tyneside and Washington.

Newcastle upon TyneRenting, students and city-centre living costs. SunderlandShift work, overtime and manufacturing incomes. GatesheadRetail work, variable hours and store credit. South ShieldsCoastal living, Metro commuting and older homes. North TynesideWallsend, North Shields, Tynemouth and Whitley Bay. WashingtonCar finance and commuting in a car-reliant town.

County Durham and Darlington

Durham Cathedral rising above the trees by the River Wear — County Durham and Darlington: help for Durham, Chester-le-Street, Bishop Auckland and Darlington.

DurhamThe city and a county of former pit villages. Chester-le-StreetCommuting between Newcastle and Durham. Bishop AucklandLower incomes, Universal Credit and DROs. DarlingtonPublic sector jobs and security vetting.

Teesside and Hartlepool

The Infinity Bridge over the River Tees at Stockton — Teesside and Hartlepool: help for Middlesbrough, Stockton-on-Tees, Hartlepool and Redcar.

MiddlesbroughChoosing between an IVA and a Debt Relief Order. Stockton-on-TeesHomeowners, equity and the year-five review. HartlepoolSelf-employment, contract work and vetted roles. RedcarRedundancy, retraining and changing incomes.

Northumberland

BlythPort and energy work, renting and priority bills. CramlingtonYoung families, childcare and newer mortgages. MorpethPension income and IVAs in later life. HexhamRural Tynedale, farming and seasonal income.

Do I need to visit an office?

No. IVAs are almost always arranged remotely. Your details, documents and signatures can be handled by phone, email and post or online, and your creditors vote electronically. That means it makes no practical difference whether you live in the centre of Newcastle or a village in rural Northumberland.

What if I live near the Scottish border?

IVAs depend on where you live, not where your creditors are based. If your home is in Northumberland, including Berwick-upon-Tweed, an IVA is available to you. If you live just over the border in Scotland, the closest equivalent is a Protected Trust Deed.

Free advice across the region

You don't have to use a commercial service to get help. Local Citizens Advice services operate across the North East, and MoneyHelper can point you to free debt advice by phone or online. If you'd like to talk about whether an IVA is right for you, send us a free enquiry using the form above.

Not sure where to start? Read what an IVA is, check the typical eligibility criteria or compare every debt solution.