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Debts got you in a squeeze? An IVA may be the solution - Get free debt advice and IVA debt solutions from the IVA debt squad

If your debts have spiralled out of control and you are looking at a lifetime of repaying debt then an IVA (Individual Voluntary Agreement) may be the best option for you. An IVA allows you to pay a smaller amount to your creditors, with all interest and charges stopped over a period of usually 5 years. At the end of the IVA you are out of debt and don't have a bankruptcy charge on your credit record.

An IVA (Individual Voluntary Agreement) offers:

Formal agreement with creditors to stop all interest and charges
Write off up to 70% of your debt with IVA creditors agreement
With an IVA your home is protected from action by creditors
Affordable monthly payments and out of debt with a 5 year IVA plan
No more phone calls or letters from creditors threatening court action
No bankruptcy order on your credit record
Peace of mind and most importantly, a chance to start a debt free life

An IVA (Individual Voluntary Agreement) is a legally binding contract between you and your creditors that allows you to repay a proportion of your debt over a short period of time (usually 5 years). Unlike bankruptcy orders your assets are protected and IVAs are not published in newspapers for everyone to see.

IVAs (Individual Voluntary Arrangements) were first introduced by the UK government under the Insolvency Act in 1986 as an alternative to bankruptcy.

The legally binding procedures are designed to help people when debt spirals out of control and enables an individual to put forward a deal (the proposal) to the people it owes money to (creditors).

The purpose of an IVA proposal is to demonstrate to creditors that they would be better off if they accepted an individuals IVA proposal, in comparison to the individual being made bankrupt.

A typical IVA agreement will see a creditor / lender agree to write off a proportion of the debt owed to them which can be as much as 75%. In return the debtor agrees to pay a fixed proportion of their monthly income towards the debt for a period of five years.

The IVA Debt Squad offer a range of debt solutions including advice, help and services. Our main services are IVA Debt Solutions, Self Employed IVAs, Final Settlement IVAs, Debt Management Plans, Debt Consolidation Loans and Bankruptcy Solutions.

You qualify for an IVA if you..

Owe more than £15,000 in unsecured debts
Are in full time employment with proof of income
An IVA offers a better option to bankruptcy for your creditors

Get the ball rolling with one phone call..


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* IVAs and Advice. We do not charge for debt advice or if your IVA proposal is rejected by the people you owe money to. In an IVA all you pay is the amount you can realistically afford, each month for the period of your IVA (usually 60 months). You must make all IVA repayments. In return, your creditors agree to write off the debt you can’t afford to repay and our fee is paid out of the payments you have made to them.

The IVA Debt Squad offer a range of debt services including IVA Debt Solutions, Self Employed IVAs, Final Settlement IVAs, Bankruptcy,
Debt Consolidation Loans and Debt Management Plans. We also offer free debt help and advice for UK residents and will
endeavour to provide the best debt solutions for your circumstances.

You qualify for an IVA if you.. Owe more than £15,000 in unsecured debts Are in full time employment with proof of income An IVA offers a better option to bankruptcy for your creditors

You qualify for an IVA if you..

Owe more than £15,000 in unsecured debts
Are in full time employment with proof of income
An IVA offers a better option to bankruptcy for your creditors