Owe £6,000 or more?
A quieter way through debt — without judgement, without pressure. See what you could write off and whether an IVA could work for you.
By selecting the submit option you are giving your permission to be contacted by telephone, SMS, WhatsApp and Email. For information on how we handle your information please see our privacy policy. May not be suitable in all circumstances. Fees apply, your credit rating may be affected.
Get Started
See in seconds what you could write off and what your monthly repayment could be.
Indicative figures only. The actual write-off depends on your circumstances and creditor approval. Phone: 0141 673 6611.
By selecting the submit option you are giving your permission to be contacted by telephone, SMS, WhatsApp and Email. For information on how we handle your information please see our privacy policy. May not be suitable in all circumstances. Fees apply, your credit rating may be affected.
£6k+
Minimum unsecured debt
60s
Non-Judgemental online check
3 nations
England, Wales, N. Ireland
Who qualifies?
A quick way to understand if an IVA could fit your situation.
IVAs are usually for people with unsecured debts, regular income and a realistic monthly amount left after essential bills.
Check the qualifying criteria£6,000+ unsecured debt
Many IVA cases start from around this level of credit cards, loans, overdrafts or similar debts.
Regular income
An IVA needs an affordable monthly payment based on what you can realistically afford.
Two or more creditors
Most arrangements include more than one lender or company you owe money to.
England, Wales or N. Ireland
IVAs are available in these nations. Scotland has different formal debt solutions.
What is an IVA?
An Individual Voluntary Arrangement can combine eligible unsecured debts into one affordable monthly payment, usually over a fixed term.
Learn what an IVA isWhich debts can be included?
Credit cards, personal loans, overdrafts, payday loans and some arrears may be included, while secured debts usually cannot.
See debts includedHow it works
A simple, predictable process.
Tell us about your debt
Enter your total unsecured debt and see what an IVA could mean for you.
Quick eligibility check
We'll look at the basics: debt level, affordability, and your situation.
Speak to our advice team
If the IVA looks good to you our advice team will run over your options to ensure you are fully informed before making any decisions.
Decide what's right for you
No pressure. You decide whether to proceed — or explore other options.
Helpful next steps
Not sure where to begin? These guides make the next decision easier.
Who qualifies?
See the usual debt level, income and location checks before you apply.
The IVA process
Follow the steps from the first check through to a creditor decision.
Debts included
Check which unsecured debts can usually be included and which debts cannot.
Talk to us
Have a question before you use the calculator? Contact the team first.
Why people choose us
Honest, regulated, no high-pressure sales.
Licensed UK Insolvency Practice
We are licensed to carry out advice and administer IVA's in the UK.
Plain English
No jargon, no scare tactics — just clear information.
Real humans
Speak to a UK-based team that takes the time to listen.
No pressure
We'll never push you. You decide what's right for you.
FAQ
Frequently asked questions
An Individual Voluntary Arrangement (IVA) is a legally binding agreement between you and your creditors in England, Wales or Northern Ireland to repay part of what you owe over a set period, usually five years.
See if you meet the criteria.
No pressure. We'll introduce you to a regulated partner who can talk you through your options.
By selecting the submit option you are giving your permission to be contacted by telephone, SMS, WhatsApp and Email. For information on how we handle your information please see our privacy policy. May not be suitable in all circumstances. Fees apply, your credit rating may be affected.