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What is an IVA?


An IVA is a legally binding agreement between you and your creditors.  At the end of the IVA, usually lasting 5 years, all remaining debts are written off this is often up to 70%.


The debt management company will negotiate to freeze interest and charges. The debt management company will deal with all correspondence with your creditors during the course of the IVA.


Key features of an IVA

Advantages of an IVA

Disadvantages of an IVA

How does the IVA process work?

What fees are involved?

Do I qualify?

What happens at the end of the IVA?

Will it affect my credit rating?

Will anyone find out about your IVA?

Will my house be affected?

Can I exit my IVA before 5 years?