By submitting this form I consent to be contacted by UK Debt Service by phone, SMS, WhatsApp and email in connection with this enquiry, any future relevant services or products and all subsequent work as stated in the privacy policy.
Is an IVA right for you? Check if you qualify
Assessment for people exploring whether an IVA may be appropriate
Free debt counselling, debt adjusting and providing of credit information services is available. You can find out more by contacting Money Helper.
Benefits and Considerations Off what we offer
How to get started
Step 1
Complete the online form or call us on 0161 768 3157
Step 2
Talk with us so we can understand your circumstances and take you through your options
Step 3
We'll give you all the information you need to make an informed decision
Benefits of an IVA
One realistic & affordable payment over a set period of time
After successful completion of your IVA unaffordable debt is written off
Protected Legally - After your IVA has been approved, no further action can be taken by creditors & all interest & charges are frozen
The fees charged are taken from the affordable monthly payment you make over the agreed term of the IVA.
Interest and charges will stop
Support from a fully qualified team, who can help you through the journey.
Considerations
Creditors don't have to agree to an IVA proposal so it's not guaranteed
It affects your credit file for six years.
Your information will be held on the public insolvency register
There are costs involved with an IVA, which are outlined in our “Fees & Key information” section. However, costs are deducted from the contributions you make. These will be fully explained to you and detailed fully in your IVA proposal.
No further credit will be able to be obtained during your IVA term
If you own a property/properties you may be asked to release any equity in them
If your IVA fails, it may result in Bankruptcy.
If you earn additional income then a percentage of this may need to be paid into the IVA.
Benefits of an IVA
One realistic & affordable payment over a set period of time
After successful completion of your IVA unaffordable debt is written off
Protected Legally - After your IVA has been approved, no further action can be taken by creditors & all interest & charges are frozen
The fees charged are taken from the affordable monthly payment you make over the agreed term of the IVA.
Interest and charges will stop
Support from a fully qualified team, who can help you through the journey.
Considerations
Creditors don't have to agree to an IVA proposal so it's not guaranteed
It affects your credit file for six years.
Your information will be held on the public insolvency register
There are costs involved with an IVA, which are outlined in our “Fees & Key information” section. However, costs are deducted from the contributions you make. These will be fully explained to you and detailed fully in your IVA proposal.
No further credit will be able to be obtained during your IVA term
If you own a property/properties you may be asked to release any equity in them
If your IVA fails, it may result in Bankruptcy.
If you earn additional income then a percentage of this may need to be paid into the IVA.
We help people overcome problem debts with leading creditors in the UK
Write off unaffordable debts
Example of how your debts could be lowered in an IVA
This example is for illustration purposes only and based on a typical 60 month IVA. Monthly payments and debt written off are based on individual circumstances
Before
£325
New
£85
Debt reduced by
63%
Monthly Repayments
Credit Card
Overdraft
Utilities
Payday Loan
Council Tax Arrears
Total:
£3,750
£2,000
£2,675
£3,450
£2,000
£13,875
Unsecured Debts
Debt is something that affects people from all walks of life.
You're not alone - let us help you find a solution that's right for you.
Our advisors are here to listen and help you understand the options available based on your individual circumstances and see if there's a better solution to clear your debts.
We provide advice on all available options so that you can make an informed decision about your financial future.
Start your journey today and see which solution suits your needs.
Don't face unaffordable debt alone
We've helped 1000's overcome problem debt
Fantastic service and helped so much took a load of weight of my shoulders.
Sarah McDonald
Benefits & Considerations of an IVA
Learn more about an IVA
Benefits of an IVA
One realistic & affordable payment over a set period of time
After successful completion of your IVA unaffordable debt is written off
Protected Legally - After your IVA has been approved, no further action can be taken by creditors & all interest & charges are frozen
The fees charged are taken from the affordable monthly payment you make over the agreed term of the IVA.
Interest and charges will stop
Support from a fully qualified team, who can help you through the journey.
Considerations
Creditors don't have to agree to an IVA proposal so it's not guaranteed
It affects your credit file for six years.
Your information will be held on the public insolvency register
There are costs involved with an IVA, which are outlined in our “Fees & Key information” section. However, costs are deducted from the contributions you make. These will be fully explained to you and detailed fully in your IVA proposal.
No further credit will be able to be obtained during your IVA term
If you own a property/properties you may be asked to release any equity in them
If your IVA fails, it may result in Bankruptcy.
If you earn additional income then a percentage of this may need to be paid into the IVA.
Write off unaffordable debts
Example of how your debts could be lowered in an IVA
This example is for illustration purposes only and based on a typical 60 month IVA. Monthly payments and debt written off are based on individual circumstances
Before
£325
New
£85
Debt reduced by
63%
Monthly Repayments
Credit Card
Overdraft
Utilities
Payday Loan
Council Tax Arrears
Total:
£3,750
£2,000
£2,675
£3,450
£2,000
£13,875
Unsecured Debts
Council Tax Arrears & HMRC debt
Benefit Overpayments
Loans & Overdrafts
County Court Judgements
CCJ
Gas, electric & rent arrears
Credit cards, store cards & catalogues
Debts we can help with
We can help you with the debts below and many more
First class service
Very helpful keen lovely friendly staff, they listen to you! And go the extra mile.
Linda Richardson
Text us if you have questions or any immediate concerns
First class service
Very helpful keen lovely friendly staff, they listen to you! And go the extra mile
Linda Richardson
0741 834 4346
What is an IVA?
An IVA - Individual Voluntary Arrangement is a legally binding arrangement with your creditors to pay all or part of your debts. *An IVA is Government legislation and is governed by Part VIII of The Insolvency Act Of 1986.
Your insolvency practitioner who you agree to make regular payments to will share this money amongst your creditors. You can get more control of your assets with an IVA than bankruptcy.
How does an IVA work?
Your personal financial situation will be reviewed to assess your debt level & what you can realistically afford to pay each month.
We can refer you to one of our preferred IP's - Insolvency practitioners - if an IVA is suitable. If the formal proposal made to your creditors from your insolvency practitioner is accepted, extra charges or interest can no longer be added.
An IVA typically lasts 60 months. Providing all of your payments during this time have been made, all unpaid debt is written off.
What is an IVA & how does it work?
Reduce your monthly payments & overcome problem debts in an IVA
What are the fees & costs of an IVA?
All IVAs have fees named Nominee, Supervisors and Disbursements but the good news is that these are included within your payment and the time frame, these are also agreed with your creditors at the outset. Typical fees are as follows:
Nominees and Disbursement Fee – £1,900
Supervisors Fee – £1,750
Free debt counselling, debt adjusting and providing of credit information services is available. You can find out more by contacting Money Helper.
Apply for IVA advice
Here is an example* of how an IVA could lower monthly repayments and reduce the debts owed
*This example is for illustration purposes only and based on a typical 60 month IVA. Monthly payments and debt written off are based on individual circumstances.
Before
£325
New
£85
Debt reduced by
63%
Monthly Repayments
Credit Card
Overdraft
Utilities
Payday Loan
Council Tax Arrears
Total:
£3,750
£2,000
£2,675
£3,450
£2,000
£13,875
Unsecured Debts
Apply for IVA advice
Here is an example* of how an IVA could lower monthly repayments and reduce the debts owed
*This example is for illustration purposes only and based on a typical 60 month IVA. Monthly payments and debt written off are based on individual circumstances
Before
£325
New
£85
Debt reduced by
63%
Monthly Repayments
Credit Card
Overdraft
Utilities
Payday Loan
Council Tax Arrears
Total:
£3,750
£2,000
£2,675
£3,450
£2,000
£13,875
Unsecured Debts
uk-debtservice.co.uk is managed by UK Insolvency Services Ltd registered in England & Wales No. 11807182. ICO Reference: ZB642653. Address 1 City Approach, Albert Street, Eccles, Manchester M30 0BL.
Guy Withey is authorised in the UK to act as an Insolvency Practitioner by the Insolvency Practitioners Association.
Your enquiry will be processed by one of our panel of trusted 3rd party companies. These companies have in-house advisors who will go through all appropriate debt options, products and solutions available to help gain the best outcome for your individual circumstances. Our panel of 3rd party providers are fully regulated in the UK by either the Financial Conduct Authority (FCA), Insolvency Practitioners Association (IPA) or the Institute of Chartered Accountants in England and Wales (ICAEW) and cover all solutions for England, Wales, Northern Ireland and Scotland. All providers are listed on our Privacy Policy.
All financial solutions are subject to eligibility and acceptance and depending on your chosen solution, fees may be charged by the service provider.
© 2026 UK Debt Service. All Rights Reserved.
Fees & Key Information | Cookies & Privacy Policy | Complaints | Insolvency Service Guide
Call now on
0161 768 3157
How does an IVA work?
1
We review your situation
Your income, debts and living costs are assessed to find a realistic monthly payment you can afford.
We refer you to a licensed IP
We connect you with one of our trusted Insolvency Practitioners who prepares your formal IVA proposal.
Creditors vote on your proposal
If accepted, all interest and charges are frozen immediately and creditors stop contacting you.
60 months later — debts cleared
After completing your payments over 60 months, all remaining unsecured debt is legally written off.
2
3
4
IVA fees & costs
All fees are included within your monthly payment — no upfront charges, no surprises
Nominee & Disbursement Fee
Supervisor Fee
Total fees
£1,900
£1,750
£3,650
✓ Fees built into your monthly payment
✓ Agreed with creditors upfront
What is an IVA?
Reduce your monthly payments & overcome problem debts in an IVA
An IVA is a legally binding arrangement with your creditors to pay all or part of your debts, governed by Part VIII of The Insolvency Act 1986. It consolidates all eligible debts into one affordable monthly payment, agreed between you and your creditors through a licensed Insolvency Practitioner.
Is an IVA right for you?
The full picture — benefits and considerations of an IVA
We help people overcome problem debts with leading creditors in the UK
Council Tax Arrears & HMRC debt
Benefit Overpayments
Loans & Overdrafts
County Court Judgements
CCJ
Gas, electric & rent arrears
Credit cards, store cards & catalogues
Debts we can help with
We can help you with the debts below and many more
Proud members & partners
What is an IVA?
Reduce your monthly payments & overcome problem debts in an IVA
An IVA is a legally binding arrangement with your creditors to pay all or part of your debts, governed by Part VIII of The Insolvency Act 1986. It consolidates all eligible debts into one affordable monthly payment, agreed between you and your creditors through a licensed Insolvency Practitioner.
How does an IVA work?
1
We review your situation
Your income, debts and living costs are assessed to find a realistic monthly payment you can afford.
We refer you to a licensed IP
We connect you with one of our trusted Insolvency Practitioners who prepares your formal IVA proposal.
Creditors vote on your proposal
If accepted, all interest and charges are frozen immediately and creditors stop contacting you.
60 months later — debts cleared
After completing your payments over 60 months, all remaining unsecured debt is legally written off.
2
3
4
IVA fees & costs
All fees are included within your monthly payment — no upfront charges, no surprises
Nominee & Disbursement Fee
Supervisor Fee
Total fees
£1,900
£1,750
£3,650
✓ Fees built into your monthly payment
✓ Agreed with creditors upfront
This calculator is a free, no-obligation estimation tool. Using it does not constitute an application or create any obligation on your part. Estimates only. Without IVA figures assume 29.9% APR compounding monthly. IVA interest and charges are frozen upon approval. Actual results depend on individual circumstances and creditor approval. An IVA affects your credit file for 6 years. Minimum £7,000 unsecured debt owed to 2+ creditors required.
What an IVA could mean for you personally
Adjust the sliders to your situation and see the difference an IVA could make to your finances.
This calculator is a free, no-obligation estimation tool. Using it does not constitute an application or create any obligation on your part. Estimates only. Without IVA figures assume 29.9% APR compounding monthly. IVA interest and charges are frozen upon approval. Actual results depend on individual circumstances and creditor approval. An IVA affects your credit file for 6 years. Minimum £7,000 unsecured debt owed to 2+ creditors required.
Is an IVA right for you?
The full picture — benefits and considerations of an IVA
"They helped us immensely — thoroughly would absolutely recommend them."
"They helped us immensely — thoroughly would absolutely recommend them."
Gas, electric & rent arrears
Credit cards, store cards & catalogues
Council Tax Arrears & HMRC debt
Benefit Overpayments
Loans & Overdrafts
County Court Judgements
CCJ
