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$page_title = "IVA (Individual Voluntary Arrangement) UK - DebtClearPlans";
$page_description = "Understand how an IVA works in the UK, who qualifies, pros and cons, and how it compares to other debt solutions. Free, confidential callback — no obligation.";
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<h1>Individual Voluntary Arrangement (IVA)</h1>
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<p style="font-size:18px;color:#3c4f54;max-width:640px;margin:0 auto;">A UK formal debt solution that may let you repay an affordable amount and write off what remains. Eligibility applies — speak to a regulated insolvency practitioner.</p>
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<a href="index.php">Home <i class="fa-solid fa-angle-right"></i> <span>IVA</span></a>
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<h2 class="text-anime-style-3" style="color:var(--ztc-text-text-5);font-size:32px;line-height:42px;margin-bottom:16px;">What is an IVA?</h2>
<p>An <strong>Individual Voluntary Arrangement (IVA)</strong> is a legally binding agreement between you and your unsecured creditors. Supervised by a licensed <strong>insolvency practitioner (IP)</strong>, it sets out how much you can realistically afford to repay each month. At the end of the agreed term — typically <strong>five to six years</strong> — any remaining qualifying unsecured debt may be legally written off.</p>
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<p>IVAs are available only in England, Wales, and Northern Ireland. Scottish residents should consider a <a href="trust-deed.php">Protected Trust Deed</a> as the equivalent.</p>
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<p>An IVA is a formal insolvency solution governed by the <strong>Insolvency Act 1986</strong>. It is not the same as a Debt Management Plan (DMP), which is informal. Once accepted by the required majority of creditors, an IVA binds <em>all</em> creditors included in it, even those who voted against.</p>
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<h2 style="color:var(--ztc-text-text-5);font-size:28px;line-height:38px;margin-bottom:16px;">How does an IVA work?</h2>
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<h3 style="font-size:17px;margin-bottom:8px;">1. Free assessment</h3>
<p>An insolvency practitioner reviews your income, outgoings, assets, and total debt to determine whether an IVA is suitable.</p>
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<h3 style="font-size:17px;margin-bottom:8px;">2. Proposal is prepared</h3>
<p>The IP drafts a formal proposal outlining what you will repay monthly and how long the arrangement will run.</p>
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<h3 style="font-size:17px;margin-bottom:8px;">3. Creditors vote</h3>
<p>Creditors holding 75% of the debt by value (of those voting) must agree for the IVA to be approved.</p>
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<h3 style="font-size:17px;margin-bottom:8px;">4. Monthly payments begin</h3>
<p>You make one affordable payment per month. The IP distributes funds to creditors.</p>
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<h3 style="font-size:17px;margin-bottom:8px;">5. Remaining debt cleared</h3>
<p>On successful completion, any remaining qualifying debt covered by the IVA is legally written off.</p>
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<h3 style="font-size:17px;margin-bottom:8px;">IP supervision</h3>
<p>Your insolvency practitioner monitors the arrangement throughout and acts as the legally appointed supervisor.</p>
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<h2 style="color:var(--ztc-text-text-5);font-size:28px;line-height:38px;margin-bottom:16px;">Who typically qualifies for an IVA?</h2>
<p>There is no legally fixed debt threshold for an IVA, but in practice most insolvency practitioners will look for the following criteria:</p>
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<li style="padding:10px 0;border-bottom:1px solid rgba(21,63,70,0.08);display:flex;gap:12px;align-items:flex-start;"><i class="fa-solid fa-check" style="color:var(--ztc-text-text-2);margin-top:3px;flex-shrink:0;"></i> <span>You have <strong>two or more unsecured creditors</strong> (e.g. credit cards, personal loans, overdrafts)</span></li>
<li style="padding:10px 0;border-bottom:1px solid rgba(21,63,70,0.08);display:flex;gap:12px;align-items:flex-start;"><i class="fa-solid fa-check" style="color:var(--ztc-text-text-2);margin-top:3px;flex-shrink:0;"></i> <span>Your total unsecured debt is typically <strong>£6,000 or above</strong> (varies by provider)</span></li>
<li style="padding:10px 0;border-bottom:1px solid rgba(21,63,70,0.08);display:flex;gap:12px;align-items:flex-start;"><i class="fa-solid fa-check" style="color:var(--ztc-text-text-2);margin-top:3px;flex-shrink:0;"></i> <span>You have a <strong>regular income</strong> sufficient to make monthly payments</span></li>
<li style="padding:10px 0;border-bottom:1px solid rgba(21,63,70,0.08);display:flex;gap:12px;align-items:flex-start;"><i class="fa-solid fa-check" style="color:var(--ztc-text-text-2);margin-top:3px;flex-shrink:0;"></i> <span>You live in <strong>England, Wales, or Northern Ireland</strong></span></li>
<li style="padding:10px 0;border-bottom:1px solid rgba(21,63,70,0.08);display:flex;gap:12px;align-items:flex-start;"><i class="fa-solid fa-check" style="color:var(--ztc-text-text-2);margin-top:3px;flex-shrink:0;"></i> <span>You cannot realistically <strong>repay your debts in full</strong> within a reasonable timeframe</span></li>
<li style="padding:10px 0;display:flex;gap:12px;align-items:flex-start;"><i class="fa-solid fa-check" style="color:var(--ztc-text-text-2);margin-top:3px;flex-shrink:0;"></i> <span>You have disposable income of typically <strong>£80+ per month</strong> (exact figure depends on circumstances)</span></li>
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<p style="color:#51656a;font-size:14px;">Eligibility is always assessed individually by a licensed insolvency practitioner. These are typical indicators only, not guarantees.</p>
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<li style="padding:8px 0;border-bottom:1px solid rgba(21,63,70,0.06);font-size:15px;"><i class="fa-solid fa-circle-check" style="color:var(--ztc-text-text-2);margin-right:8px;"></i>One fixed monthly payment based on affordability</li>
<li style="padding:8px 0;border-bottom:1px solid rgba(21,63,70,0.06);font-size:15px;"><i class="fa-solid fa-circle-check" style="color:var(--ztc-text-text-2);margin-right:8px;"></i>Legally binding — all included creditors must comply</li>
<li style="padding:8px 0;border-bottom:1px solid rgba(21,63,70,0.06);font-size:15px;"><i class="fa-solid fa-circle-check" style="color:var(--ztc-text-text-2);margin-right:8px;"></i>Interest and charges on included debts are typically frozen</li>
<li style="padding:8px 0;border-bottom:1px solid rgba(21,63,70,0.06);font-size:15px;"><i class="fa-solid fa-circle-check" style="color:var(--ztc-text-text-2);margin-right:8px;"></i>Remaining qualifying debt may be written off on completion</li>
<li style="padding:8px 0;font-size:15px;"><i class="fa-solid fa-circle-check" style="color:var(--ztc-text-text-2);margin-right:8px;"></i>Protection from unsecured creditor legal action (in most cases)</li>
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<h3 style="font-size:18px;margin-bottom:16px;color:#a04040;"><i class="fa-solid fa-triangle-exclamation" style="margin-right:8px;"></i>Important risks to consider</h3>
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<li style="padding:8px 0;border-bottom:1px solid rgba(21,63,70,0.06);font-size:15px;"><i class="fa-solid fa-circle-xmark" style="color:#c05050;margin-right:8px;"></i>Recorded on the Individual Insolvency Register (public)</li>
<li style="padding:8px 0;border-bottom:1px solid rgba(21,63,70,0.06);font-size:15px;"><i class="fa-solid fa-circle-xmark" style="color:#c05050;margin-right:8px;"></i>Will negatively affect your credit rating for 6 years</li>
<li style="padding:8px 0;border-bottom:1px solid rgba(21,63,70,0.06);font-size:15px;"><i class="fa-solid fa-circle-xmark" style="color:#c05050;margin-right:8px;"></i>Home equity may be reviewed — you could be required to release equity</li>
<li style="padding:8px 0;border-bottom:1px solid rgba(21,63,70,0.06);font-size:15px;"><i class="fa-solid fa-circle-xmark" style="color:#c05050;margin-right:8px;"></i>Can affect certain employment roles (especially licensed or regulated professions)</li>
<li style="padding:8px 0;font-size:15px;"><i class="fa-solid fa-circle-xmark" style="color:#c05050;margin-right:8px;"></i>IP fees are included but must be factored in — can be significant</li>
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<td style="padding:11px 16px;text-align:center;border-bottom:1px solid rgba(21,63,70,0.08);"><i class="fa-solid fa-check" style="color:var(--ztc-text-text-2);"></i></td>
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<td style="padding:11px 16px;border-bottom:1px solid rgba(21,63,70,0.08);">Debt potentially written off</td>
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<td style="padding:11px 16px;text-align:center;border-bottom:1px solid rgba(21,63,70,0.08);"><i class="fa-solid fa-xmark" style="color:#c05050;"></i></td>
<td style="padding:11px 16px;text-align:center;border-bottom:1px solid rgba(21,63,70,0.08);"><i class="fa-solid fa-check" style="color:var(--ztc-text-text-2);"></i></td>
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<td style="padding:11px 16px;text-align:center;border-bottom:1px solid rgba(21,63,70,0.08);">Yes</td>
<td style="padding:11px 16px;text-align:center;border-bottom:1px solid rgba(21,63,70,0.08);">Yes</td>
<td style="padding:11px 16px;text-align:center;border-bottom:1px solid rgba(21,63,70,0.08);">Low/limited</td>
<td style="padding:11px 16px;text-align:center;border-bottom:1px solid rgba(21,63,70,0.08);">Not essential</td>
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<td style="padding:11px 16px;text-align:center;border-bottom:1px solid rgba(21,63,70,0.08);">Possible (equity)</td>
<td style="padding:11px 16px;text-align:center;border-bottom:1px solid rgba(21,63,70,0.08);">Lower</td>
<td style="padding:11px 16px;text-align:center;border-bottom:1px solid rgba(21,63,70,0.08);">Limited</td>
<td style="padding:11px 16px;text-align:center;border-bottom:1px solid rgba(21,63,70,0.08);">Higher</td>
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<td style="padding:11px 16px;">Credit file impact</td>
<td style="padding:11px 16px;text-align:center;">6 years</td>
<td style="padding:11px 16px;text-align:center;">While active + some time after</td>
<td style="padding:11px 16px;text-align:center;">6 years</td>
<td style="padding:11px 16px;text-align:center;">6 years</td>
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<p style="font-size:13px;color:#51656a;margin-top:12px;">This table is a simplified comparison. Individual circumstances and provider terms vary. Always seek advice from a regulated provider.</p>
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<li style="padding:7px 0;border-bottom:1px solid rgba(21,63,70,0.06);">Court fines and confiscation orders</li>
<li style="padding:7px 0;border-bottom:1px solid rgba(21,63,70,0.06);">Child maintenance arrears</li>
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<h2 class="accordion-header"><button class="accordion-button" type="button" data-bs-toggle="collapse" data-bs-target="#ivaFaq1" aria-expanded="true" aria-controls="ivaFaq1">Will an IVA stop creditor calls and letters?</button></h2>
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<div class="accordion-body"><p>In most cases, once an IVA is approved, included creditors are legally bound by it and must stop pursuing you for those debts. During the proposal stage (before approval), you may still receive contact.</p></div>
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<h2 class="accordion-header"><button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#ivaFaq2" aria-expanded="false" aria-controls="ivaFaq2">Can I keep my bank account during an IVA?</button></h2>
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<div class="accordion-body"><p>Usually yes — many people keep their existing bank accounts. However, if your bank is also a creditor included in the IVA, they may choose to close your account. Your IP can guide you on this.</p></div>
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<h2 class="accordion-header"><button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#ivaFaq3" aria-expanded="false" aria-controls="ivaFaq3">What happens if my income changes during an IVA?</button></h2>
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<div class="accordion-body"><p>Your monthly payments are reviewed periodically (usually annually). If your income increases, creditors may expect higher payments. If it decreases significantly, your IP may be able to apply for a payment break or variation.</p></div>
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<h2 class="accordion-header"><button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#ivaFaq4" aria-expanded="false" aria-controls="ivaFaq4">How does an IVA affect a homeowner?</button></h2>
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<div class="accordion-body"><p>Homeowners are usually required to have their property valued in the final year of the IVA. If there is available equity, creditors may require you to release some of it. If equity release is not possible, the IVA may be extended by up to 12 months instead. Exact terms depend on the IP and creditor agreement.</p></div>
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<h2 class="accordion-header"><button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#ivaFaq5" aria-expanded="false" aria-controls="ivaFaq5">How long does an IVA last?</button></h2>
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<div class="accordion-body"><p>A typical IVA lasts <strong>five years (60 months)</strong>. Homeowners may see this extended to six years. The exact term is set out in the IVA proposal agreed with your creditors.</p></div>
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<h2 class="accordion-header"><button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#ivaFaq6" aria-expanded="false" aria-controls="ivaFaq6">What happens if an IVA fails?</button></h2>
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<div class="accordion-body"><p>If you cannot maintain your IVA payments and no variation can be agreed, the IVA may be terminated. In that event, creditors regain the ability to pursue you for the original debts. In some cases, bankruptcy may follow. It is important to communicate with your IP if you are struggling to keep up payments.</p></div>
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<h3 style="font-size:22px;color:var(--ztc-text-text-5);margin-bottom:12px;">Ready to understand your options?</h3>
<p>DebtClearPlans is an introducer and lead generation service. We are not authorised to provide regulated debt advice ourselves. When you request a callback, we will connect you with an FCA-authorised debt solutions provider or licensed insolvency practitioner who can carry out a proper assessment.</p>
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<p style="font-size:14px;color:#51656a;">Your first conversation is free, confidential, and no-obligation. Debt solutions are not right for everyone. Always seek advice from a regulated provider before proceeding.</p>
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<a href="#callback-form-top" class="vl-btn1">Get My Free Callback</a>
<a href="compare-debt-solutions.php" class="vl-btn1 btn2" style="margin-left:16px;">Compare all solutions</a>
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