Find out if your debts could be written off
An Individual Voluntary Arrangement (IVA) is a government-approved debt solution that could write off up to 70% of what you owe and stop creditor contact.
Free, no-obligation assessment • Takes 2 minutes • Confidential
Overwhelmed by debt?
If you're receiving letters from debt collectors, struggling with multiple payments, or worried about bailiffs — you're not alone. Thousands of people in the UK face the same situation every day.
They buy debts cheaply and chase aggressively. Without action, the calls continue.
Different payments, different dates, different creditors. It adds up to constant stress.
An IVA is a legal agreement that freezes interest, stops creditor contact, and could write off what you can't afford to pay.
How it works
Complete a quick assessment
Tell us about your debts and income. It takes about 2 minutes and there's no obligation.
Speak to an advisor
A qualified debt advisor will call you to discuss your options and explain what's possible.
Get a debt solution
If you qualify, your advisor will set up an IVA or alternative solution. Creditors must stop contact.
Learn more before you decide
What is an IVA?
A complete guide to Individual Voluntary Arrangements: how they work, who qualifies, and what to expect.
Read the full guide →IVA pros and cons
Understand the advantages and disadvantages before making a decision about your debt.
See pros and cons →IVA costs explained
Find out exactly how much an IVA costs and how fees are structured.
Understand the costs →IVA vs bankruptcy
Compare the two main insolvency options to see which might work better for your situation.
Compare options →Compare IVA companies
Find reputable IVA providers and understand what to look for when choosing an insolvency practitioner.
Compare providers →Other debt solutions
Debt Relief Order
If you have debts under £30,000 and low income, a DRO can write off everything after 12 months.
Learn about DROs →Debt Management Plan
An informal arrangement to reduce monthly payments without a formal insolvency procedure.
Learn about DMPs →Scottish Trust Deed
The Scottish equivalent to an IVA for residents of Scotland.
Learn about Trust Deeds →Being chased by creditors?
If you've received a letter or call from a debt collector or bailiff, find out who they are, what powers they have, and how to respond.
Debt Collectors Directory
Find information on Lowell, Cabot, PRA Group, Moorcroft and all major UK debt collection agencies.
Find your debt collector →Bailiffs Directory
Learn about Marston, Equita, Newlyn and other bailiff companies — and your legal rights.
Find your bailiff company →Ready to find out your options?
Check if you qualify for a debt solution in just 2 minutes. It's free, confidential, and there's no obligation.
Check if you qualify for debt write-off