Advertisement
Main Pages
Core information pages and interactive tools
Home
Homepage with debt slider, IVA calculator and quick eligibility checker
›
What is an IVA?
Plain-English introduction to Individual Voluntary Arrangements
›
How an IVA Works
Step-by-step guide from consultation to debt-free completion
›
Am I Eligible? + Calculator
Interactive 5-question checker and live debt relief slider calculator
›
Alternative Debt Solutions
Compare all UK debt options including DMP, DRO, bankruptcy and more
›
FAQ Hub
All frequently asked questions organised by category with full answers
›
Get Free Debt Advice
Links to free, FCA-regulated debt advice services in the UK
›
FAQ — Detailed Answer Pages
25 in-depth articles answering the most common IVA questions
Each FAQ summary on the FAQ hub page links through to one of these full detailed guides.
The Basics
1
What is an Individual Voluntary Arrangement (IVA)?
›
2
IVA vs Bankruptcy — what's the difference?
›
3
Who sets up an IVA?
›
4
Is an IVA right for me?
›
Eligibility
5
Am I eligible for an IVA?
›
6
Can I get an IVA if I'm self-employed?
›
7
Can I get an IVA if I'm a homeowner?
›
8
What is the minimum debt for an IVA?
›
The Process
9
How long does an IVA last?
›
10
What happens if my creditors reject the IVA?
›
11
What happens if I miss an IVA payment?
›
12
Can I pay off my IVA early?
›
Costs & Fees
Credit & Finance
15
Will an IVA affect my credit score?
›
16
Can I get a bank account during an IVA?
›
17
Will my IVA be public knowledge?
›
Types of Debt
Life During an IVA
20
Will my employer find out about my IVA?
›
21
What if I receive a windfall during my IVA?
›
22
Can I travel abroad during an IVA?
›
After Your IVA
Advertisement
Debt Solution Guides
Detailed guides to every alternative debt solution, each comparing it with an IVA
All Debt Solutions Overview
Summary comparison of every UK debt solution with interactive guidance
Overview page
Debt Management Plan (DMP)
Informal monthly repayment plan — no debt written off but no formal insolvency
Informal
Debt Relief Order (DRO)
Low-cost formal solution for debts under £30,000 with minimal assets and income
Formal insolvency
Bankruptcy
Formal insolvency discharged in 12 months — assets may be sold to repay creditors
Formal insolvency
Debt Consolidation Loan
A new loan that pays off existing debts — suitable only for those with reasonable credit
Not insolvency
Protected Trust Deed (Scotland)
The Scottish equivalent of an IVA — for residents of Scotland only
Scotland only
Direct Creditor Negotiation
Contacting creditors to agree payment breaks, reduced payments or interest freezes
Informal
Legal & Utility Pages
Privacy, terms, cookies and site information
Looking for the XML Sitemap?
Search engines use the XML sitemap (sitemap.xml) to index all pages on this website. If you are a developer or SEO professional looking for the machine-readable version, it is located at https://www.iva-info.co.uk/sitemap.xml