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 credit check to use the form • 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 feesIVA annual review
See what documents, income changes, overtime and costs are checked each year.
Prepare for reviewsIVA failure
Understand missed payments, breach notices, creditor action and ways to recover.
Read failure guidanceIVA and car finance
Check how HP, PCP, lease cars and replacement vehicles can affect suitability.
Check car finance rulesIVA and renting
Review tenancy, rent arrears, landlord checks and moving home before applying.
Read renting guidanceDebt 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 guideIVA vs DMP
Compare formal creditor protection with flexible informal repayment before choosing a route.
Compare IVA and DMPIVA vs DRO
Check whether a low-income DRO or contribution-based IVA is the more suitable option.
Compare IVA and DROScottish 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 bailiffsLetter before action
Know what to check and how to respond if a collector or solicitor threatens court action.
Read the response guideMost searched
Guides to the companies contacting you
The most-read company guides on the site, covering who each firm collects for, their contact details, and your rights.
Lowell Financial
The UK's largest debt purchaser - contact details, court powers, and your rights.
Read the Lowell guideMoorcroft Debt Recovery
Who Moorcroft collect for, their Stockport contact details, and how to respond.
Read the Moorcroft guideMarston Recovery
Contact numbers, bailiff powers, and your rights when Marston are instructed.
Read the Marston guideBPO Collections
Why 0141 375 0900 is calling, what BPO collect, and what to do next.
Read the BPO guidePastdue Credit Solutions
PDCS contact details, who they collect for including HMRC, and your rights.
Read the PDCS guideBristow & Sutor
Council tax enforcement specialists - contact details and how to stop action.
Read the Bristow & Sutor guideConfidential 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.