Cancel 40%-80% of your debt. Pay off the rest with one lower monthly payment.

An IVA will freeze your debt and interest payments. It will also reduce your monthly payments to an amount you can afford.

Is an IVA suitable for you? Find out with 

Your IVA Checker
Your IVA family

Jill from Manchester’s solution

Before an IVA

Total Debt: £58,500


Monthly Payments: £1500

After an IVA

Total Debt: £26,300


Monthly Payments: £435

Total reductions

Monthly payments reduced by £1065

Debt reduced by £32,200

Ian from North Wales’s solution

Before an IVA

Total Debt: £35,000


Monthly Payments: £600

After an IVA

Total Debt: £12,060


Monthly Payments: £201

Total reductions

Monthly payments reduced by £399

Debt reduced by £22,940

Everyone’s debt situation is different. The example shown above may be quite different from yours. We want to help you get a clear understanding of your debt situation and how an IVA could helkp you become debt free.

See how an IVA can help you

How an IVA works

IVA stands for Individual Voluntary Arrangement. It’s a legal agreement between you and the companies you own money to. It’s a way of you agreeing to pay off your debts with a monthly payment you can afford.

With an IVA, your interest charges and debts are frozen. This means your debt can’t get any bigger. As long as you stick to the terms of your IVA:

  • You are legally protected and the companies you own money to can’t take further action against you.
  • Your monthly payments will never increase.

An IVA is a way to avoid you becoming bankrupt. It can protect your assets,  Such as your home and possessions (although an IVA is not suitable for loan secured on your home).

Once you complete your IVA any remaining debts are cancelled.

Is an IVA suitable for you?

Your IVA Checker
Want to know more about an IVA? Read What is an IVA.
Debt Consolidation

Why choose us?

Our mission is to help people get relief from their debts. We would like to help you. We know what it can be like when you are struggling.

Free advice

Our complete focus is on your needs and we strive to find the solution that perfectly suits your needs. Our advice is free to help you make an informed decision

Confidentiality

We understand privacy and maintaining your privacy is paramount to us.

Your circumstances and personal details will be kept completely confidential and your details are never passed on to any third parties.

No upfront fees

We offer our service to you with no upfront fees and we are completely transparent with regard to commissions. There will be no hidden or extra charges.

Find out more

WE ARE HERE TO HELP

Questions? We're happy to help

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Damaz Building, Office 1, Sharp Street, Manchester, M4 4BZ

Youriva.co.uk is a trading style of Regional Legal Limited regulated by the FCA in respect of regulated Claims Management and Debt Advisory activities. FCA number: 830819

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