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Individual Voluntary Arrangement

An IVA is available to people in the UK who have unsecured debt of £5,000 or more. The process typically lasts 60 months and after the agreed repayment term, all unsecured debts are written off. In Scotland, the alternative solution is known as a Trust Deed.


Debt Management Plan

A Debt Management Plan allows you to repay your unsecured debts with affordable monthly payments. The interest on your debts can be frozen, and written off after you have completed an agreed payment plan.


Debt Relief Order

A Debt Relief Order is a way to write off debts you can't afford. It's aimed at people with a low income and few assets, and is more straightforward than bankruptcy. After the 12 month term, all unsecured debts are written off. The alternative in Scotland is known as a Minimal Asset Process.


How do Debt Support Line help me?

Debt Support Line is an ethical debt advice company. We give free and confidential advice and have helped thousands of people in the UK break free from their personal debt. We understand that being in debt is stressful, and you are struggling with repayments.

  • Step 1: See if you qualify
  • Step 2: Find out what your options are
  • Step 3: Agree your repayment terms
  • Step 4: Take the first steps to becoming debt free

Ethical Debt Advice. We're here to help you!

Each individual's situation differs from one person to the next.

Have a non-judgemental, confidential chat with one of our highly trained debt helpline advisors.

1. Do You Qualify?

Talk to one of our qualified and experienced team members about your current debt situation.

2. Your Options

Find out options available to you, and get the right advice, tailored to your individual needs.

3. Repayment Terms

You choose the dept repayment option that works best for you.

4. Become Debt Free

Enjoy peace of mind with a tailored, personalised, affordable plan that can get you to your debt free goal.


Frequently Asked Questions

The questions we get asked most about debt.

Whats the disadvantage of an IVA?

The main impact for you will be that it has an effect on your credit rating. Credit reference agencies will assess the level of risk based your on financial history which may include an IVA however, once your IVA is completed, you can start to rebuild your credit rating.

If you fail to make a payment under your IVA, you may find the IVA fails and your unsecured creditors are entitled to pursue you again.

Will I be contacted by creditors when I am in an IVA?

No. Once the Individual Voluntary Arrangement has been accepted, all creditors included in the IVA can only deal with your insolvency practitioner.

By law, creditors can no longer harass you to reclaim debt, and the insolvency practitioner will relay any relevant information to you.

Is my home and car protected?

While situations vary, it is highly unlikely you will have to give up your home or vehicle in the process of setting up an IVA.

If you choose to give up your home voluntarily, then that is an option available to you. If your car is brand new or of significant value then you may have to settle for a more affordable model.

Keep in mind that that our fully trained experts will be able to give you the help best advice to help you protect your assets.

Will my creditors agree to an IVA?

On average, over 92% of our IVA proposals are accepted. Even if some creditors reject the proposal, they will still be legally bound by its terms, even if they object as long as creditors totalling more than 75% of the debt value accept.

In the unlikely event your IVA did fail, your trustee would negotiate your case in an attempt to have it accepted or review other debt solutions such as Debt Management Plans and Debt Relief Orders.

What debts can I include in an IVA?

Almost all types of unsecured debts such as:

Unsecured Bank Loans, Credit Cards, Store Cards, Payday Loans, Council Tax Arrears, Catalogues, Overdrafts, Credit Unions, Previous Mortgage Shortfalls,
Previous Car Hire Purchase & PCP Agreements and HMRC Bills (self employed).

Are there any upfront fees for IVAs?

Any fees that apply for setting up and overseeing your Individual Voluntary Arrangement are taken from your monthly contribution, or from the sale of assets in cases where this is necessary to fulfil the IVA. There is no initial setup fee for entering into an IVA.

Debt Level

Amount of debt you have
Unsecured debts such as: Credit Cards, Council Tax Arrears, Store Cards, Catalogues, Personal Loans, Bank Overdrafts. Credit Unions, Mortgage Shortfalls, Car Finance, HMRC Bills
£1,000 £50,000
Amount you can affford each month
All debt solutions are based on your affordability to repay each month
50 Per Month800 Per Month