Structured Debt Relief

Your Path to Clarity

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Provide your basic financial details online in five minutes.

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Understand the legal protections and structured repayment terms.

Begin your agreed path toward structured financial breathing room.

Balanced IVA Overview

Key Advantages

Important Factors

Consolidates qualifying debts, freezes interest and charges, and prevents legal action from creditors while protecting your essential living costs.

Your credit rating will be impacted for six years, and details are entered on a public register.

Any remaining unsecured debt is legally written off upon successful completion of your agreed term.

Homeowners may need to release equity, and spending is restricted to an agreed budget during the term.

Understanding the Details

What is an IVA?

What debts are covered?

An Individual Voluntary Arrangement is a legally binding agreement between you and your creditors to repay your debts over a set period, typically five to six years.

Most unsecured debts qualify, including credit cards, personal loans, overdrafts, and catalogue accounts. Secured debts like mortgages are excluded.

Are there fees involved?

Will I lose my home?

Yes, fees are charged by the Insolvency Practitioner administering your IVA. These are typically deducted from your monthly payments, not paid upfront.

No, an IVA protects your home from forced sale. However, you may be required to attempt to release equity from your property in the final year.

Assess Your Options

Take a secure, confidential step toward structured financial breathing room. Check your eligibility online in minutes.