The form above is a free online IVA eligibility check. It asks about your unsecured debts, who you owe money to, your income and your regular outgoings. That is the same information an advisor uses to judge whether an Individual Voluntary Arrangement is worth exploring, so completing it gives you a realistic starting point rather than a generic estimate.
It usually takes about two minutes. There is no credit check to use the form, and completing it does not commit you to anything.
There is no single legal minimum debt level for an IVA. Suitability depends on your debts, income, assets and creditors, and creditors themselves decide whether to approve a proposal. The check considers the factors that matter in practice:
Yes. You can start the process online: the eligibility check runs entirely in your browser, and if an IVA looks suitable your details are passed to an FCA-authorised firm whose advisor completes a full assessment with you. An IVA itself must be set up by a licensed Insolvency Practitioner, so a conversation is always part of the process before anything is signed - but the first step does not require a phone call.
An IVA is a formal insolvency procedure, not a quick fix. It normally affects your credit file for six years, appears on the public Individual Insolvency Register, and can fail if payments are not kept up. Make sure you have compared the alternatives first:
Free, impartial debt advice is also available from MoneyHelper and Citizens Advice.