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Individual Voluntary Arrangement

Struggling with unaffordable debts?

An IVA may be the best solution and can:

  • Ensure an affordable monthly payment
  • Stop interest and charges
  • Prevent further contact from your creditors
  • Stop further collections activities
  • Protect your home and other essential assets
  • Provide a realistic repayment term (usually 5) years
  • Legally write off the debt you can't afford to repay

Do You Qualify For An IVA?

What is an IVA?

An IVA is a popular solution to help people struggling with unmanageable debts ease the pressure of dealing with the companies they owe and regaining control. Put simply it is a proposal of payment to your debts based on what you can realistically afford to pay over usually just 60 months. It allows you to put forward a fair and equal offer of repayment to your debts were there is no ability for you to repay them in full within a reasonable time (usually considered to be 5 years). It freezes interest and charges to ensure your debt cannot increase and protects you and your essential assets such as your home or car against any further collections activity by your debts.

You are basically explaining to your creditors that you want to repay them but you can’t afford to make the full monthly payments and asking them to freeze interest and charges so that you can pay as much as you can afford over a fixed term and requesting that they write off the debt you cant afford to repay.

Debt write off can be as much as 80% depending on individual circumstances

Over 94% of Debt Support Centre IVA’s are approved by creditors

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Will I get an IVA?

An IVA may be a suitable solution to your debt problems if you meet the basic criteria below:

• You have £3,500 or more of debt
• You have 2 or more debts
• You can afford £51 per month or more to to offer to your debts or you have a lump sum.
• You are struggling to meet contractual payments each month.
• You are resident in England, Wales or Northern Ireland

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Why choose us for support?

Debt Support Centre’s Licensed Insolvency Practitioner is  authorised and regulated by the Insolvency Practitioners Association. With over 7 years experience in assisting people in resolving their finances through IVA’s, Debt Support Centre has helped 1,000’s people enter IVA’s to regain control of their finances.

We hold customer satisfaction paramount to our success and believe in transparency and honesty in what we know can be a very difficult time.


  • 94% of IVA’s we propose are accepted by creditors
  • Established for over 7 years
  • A friendly, confidential & professional service
  • Regulated and monitored by the Insolvency Practitioners Association
  • Rated 4.43 out of 5 from our customer surveys and 4.4 out of 5 on*
  • 100% of customers would recommend us to a friend*

An IVA could help you Call Today.Telephone

How your ability to get finance will be affected for the medium to long term due to adverse credit ?

*Review scores correct as at August 2015
*Recommendations are taken from reviews submitted between June and August 2015

Do You Qualify For An IVA?



Impartial Advice and Guides

The Insolvency Service, an independent government agency, has produced a guidance leaflet on dealing with your creditors. If you would like a copy, click here.


Important Information

Subject to eligibility and acceptance. Fees Payable. Debt write off applies to unsecured debts only and on completion of an IVA. If your IVA fails, it could lead to Bankruptcy, although this is rare and alternatives may be available. Your ability to obtain credit will be affected for the medium to long term. Homeowners may be required to release the equity in their property, if unable to release equity and equity is available creditors may request an additional 12 months payments in compensation.

Debt Support Centre Ltd provides insolvency solutions to individuals, specialising in IVA's. We do not administer or provide advice solely relating to debt management products, such as Debt Management Plans. Advice and information on alternative options will be provided following an initial fact find were the individual(s) concerned meets the criteria for an IVA and wishes to pursue it further, as governed by our regulators The Insolvency Practitioners Association. All advice given on any alternative options is therefore provided in reasonable contemplation of an insolvency appointment.

The Money Advice Service is a free service set up by the Government to help people make the most of their money. If you would like to learn more click here.