Individual Voluntary Arrangement
An IVA is a formal debt solution that can make unsecured debts more manageable if you qualify.
Read the IVA guideIVA Online debt help
IVA Online debt help and IVA guidance
Plain-English guidance on IVAs, debt collectors, bailiffs, and UK debt options. Check whether an IVA may fit before committing to a payment plan.
Free assessment • No impact on your credit score • Takes about 2 minutes
IVA risks included
We explain limits and trade-offs, not just benefits.
UK focused
Guidance for England, Wales, Northern Ireland, and Scotland where relevant.
Official sources
Key facts are checked against GOV.UK, MoneyHelper, and Citizens Advice.
Fast to use
The IVA check opens directly as a full-page form.
IVA services
Practical guides for comparing IVA options
Compare IVA companies
Understand what to look for when comparing providers, fees, and support before choosing.
Compare providersIVA pros and cons
Review the advantages, restrictions, and risks before deciding whether an IVA is suitable.
Read pros and consIVA costs
Learn how IVA fees work and how costs are usually handled inside monthly payments.
Understand IVA feesDebt options
Compare alternatives before you act
Different debt solutions suit different circumstances. These guides help you compare options and avoid rushing into the wrong route.
Debt Relief Order
A lower-cost formal option for people with low income, limited assets, and qualifying debts.
Read the DRO guideDebt management plan
An informal payment plan may help if you need flexible reduced payments to creditors.
Read the DMP guideScottish Trust Deed
A formal Scottish debt solution with different rules from IVAs in England and Wales.
Read the Trust Deed guideDebt pressure
Know your rights with collectors and enforcement agents
Use the directories to find practical information about collection companies, bailiff firms, and the steps available when you are under pressure to pay.
Debt collectors directory
Information about debt collection agencies and how to handle letters, calls, and payment requests.
View debt collectorsBailiff directory
Understand enforcement agents, what they can do, and when urgent advice may be needed.
View bailiffsConfidential IVA check
Check whether an IVA could fit your situation
The form is free to use and helps you compare your next steps before creditors escalate.