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Features & Benefits of an IVA Arrangement

An IVA can help you write off up to 85% of your unsecured debt

UK Government Legislation

Clear up to 85% of your unsecured debts with a Government backed IVA Arrangement.

One Monthly Payment

Only pay what you can afford, your single monthly payment depends on your income and outgoings and interest charges are frozen.

Payment Demands Stopped

Once the IVA arrangement is agreed, your creditors by law are no longer allowed to demand payments from you either by telephone or letter.

Protection from Court Action

When an IVA arrangement is in place, your creditors are not allowed to take further legal action against you as long as you stick to the terms of the arrangement.

Interest and Charges Frozen

Late payment charges and interest on your unsecured debts will be frozen, and your creditors cannot add further charges or interest to any of your accounts stated in the IVA arrangement by law.

Become Debt Free in 5 Years

Typically IVA arrangements last for a fixed period of time, usually no longer than 5 years. At the end of the arrangement, all the unpaid debt is written off.

About IVA Debt Clear

We have a solid background within the finance sector and have successfully helped many of our customers write off their unsecured debts

Debts we can help with

  • Unsecured/Payday Loans
  • Credit/Store Cards
  • Catalogues
  • Bank Overdrafts
  • Utility suppliers (Gas, Electricity & Water)
  • TV/Mobile/Telephone service providers
  • Personal Debts owed to a business

IVA Debt Clear can help

  • Write off up to 85% of your unsecured debts
  • Freeze interest and charges
  • Offer a single affordable monthly payment
  • Deal with nasty creditors for you
  • Stop payment demands
  • Prevent court action
  • Offer free expert advice

What we can offer you

  • No fees or charges for using our service
  • ICO Certified offering total privacy of your personal data
  • Confidential service from qualified debt advisors
  • Consolidate your debt so you pay a single low monthly payment
  • Simple 30 second online application

How does an IVA work?

Here is an example of how an IVA arrangement can help you write off your unsecured debts


60 monthly payments


Total repayment


Debt written off


Percentage of debt written off
  • Type of Debt
    Debt Amount
  • Unsecured/Payday Loan
  • Credit Card/Store Card
  • Total Debt
  • IVA Agreement
    60 monthly payments of £70
  • Total Repayment
  • Debt written off
  • Percentage of debt written off

For further details, please Click here

Frequently Asked Questions

An IVA or Individual Voluntary Arrangement is a formal agreement made between the person in debt and their creditors. The agreement allows the person in debt to make regular monthly payments towards clearing their debt over a fixed amount of time. All further interests and charges on the outstanding debt are stopped. At the end of the arrangement, all the unpaid debt is written off.
An IVA works by making one affordable monthly payment to a qualified legal professional, who in turn distributes the payments according to the amounts previously agreed by your creditors in an IVA proposal. You do this every month, for 60 months, and at the end of the term, any debt balances you still owe are written off. You don’t have to deal with nasty creditors anymore, and all the hard work is done for you.
It will depend on your personal circumstances. Normally your personal debts must be above £5,000 and you should have 2 or more different creditors. You must also be able to offer a reasonable monthly payment to your creditors. This will vary depending on the debt.
Anyone who has over £5000 worth of debt can consider an IVA to solve their debt problem. IVAs can be set up for anyone regardless of their profession. Your ability to undertake an IVA is not defined by your job but you must be unable to repay your debts.