IVA

Debt Solution

Interest frozen by law
One affordable monthly payment
Become debt free

Find the right Debt Solution for you
Complete our six question debt test to find the best possible debt solution
for you and to understand your best way to beat debt.

Your financial situation

Your details


Total Amount of Debt(s) *		First Name*
Number of Lenders *		Surname
Monthly Payments to Creditors *		Contact Number
Affordable Monthly Payment *		Email Address*
Main Source of Income *
Residential Status *

* = Required
Your privacy is important to us. All correspondence is held in the strictest of confidence and we will only request information required to find your best debt solution. Read our Privacy Policy

How an IVA can help you with your debt

An Individual Voluntary Arrangement (IVA) provides monthly payments based on what you can realistically afford. These payments, from as low as £150, replace your current payments to lenders normally for a 5 year period after which you are declared debt free.

How do you get an IVA?

If an IVA is recommended after discussing your options with us, we will refer you to an Insolvency Practitioner (IP) who will draft and present your IVA proposal to your creditors. The IVA proposal must be agreed by creditors representing 75% of the value of your debt before the IVA can go ahead. The whole IVA setup process can take as little as 4-6 weeks from your application.

If you owe more than £15,000 an IVA could:

Substantially reduce your debt
Provide an affordable monthly payment
Clear your debt in five years
Will freeze your interest

IVA FAQs
How do I set up an IVA?
Can I cancel the IVA once it is set up?
Do I have to pay separate fee to the IP?
How long will the IVA last?

IVA case study
I had debts of £39,050
costing me £546 every month.
Now all I pay is £200 per month
for 60 months. My total repayment
will be £13,600.

IVA.im is a trading name of ClearStart UK Limited who has been providing a range of debt solutions including Debt Management Plan, Debt Consolidation, Debt Relief Order, Bankruptcy and County Court Administration Order (CCCA) since 2005 and Individual Voluntary Arrangement (IVA) via our sister company since 2007.

IVA.im provides best value debt solutions starting with the provision of free, no obligation debt advice. If you decide to choose one of our debt solutions you will discover they are the most competitive in the UK. With IVAs for example, we will refer your case to our sister company who are the leading provider of IVAs in the UK.

If you decide to choose one of our debt solutions you will discover they are the most competitive in the UK. With IVAs for example, we offer identical terms to charities.

Call us for free IVA advice 7 days a week

Some debt solution providers can make you wait up to two weeks for an appointment however our UK call centre is open 7 days a week. You'll receive instant help and advice with the aim of outlining the best options available to you.

Whichever debt solution is right for your own circumstances, you can depend on IVA.im, as part of ClearStart to show you the most effective way forward at the lowest cost.

Call us Free on: 0800 1164 923

Monday - Friday 8am-9pm, Saturday 9am - 5pm, Sunday 10am-4pm.

Impartial advice you can count on

As part of ClearStart, IVA.im is not funded by or linked to any other lenders. You will receive total independent advice and we always act in your own best interests, not someone else's.

Compare debt solutions

Debt Solution	Key Advantages/ Disadvantages	More
Whatever your level of debt we can provide the right advice about a range of debt solutions.
Debt Management Plan	Requires £3,000 of debt or more to qualify Interest is sometimes frozen Affordable monthly payment May lead to an increase in the sum to be repaid May lengthen the repayment period
IVA - (Individual Voluntary Arrangement)	Requires £15,000 of debt or more of debt to qualify Interest payments are frozen by law Affordable monthly payment May substantially reduce your debt Five year period
Bankruptcy	All unsecured debts are written off, except student loans, fines and some matrimonial debts You may have to sell your home and other assets Credit not available during the period of bankruptcy Your situation may be made public
Get free initial debt advice on 0800 1164 923

Debt Advice

Debt Help Debt Advice Debt Management Plans IVA What is an IVA? How an IVA Works? Trust Deeds

IVA advice for you

For more information on
IVAs, talk to our UK
based team today.

Speak in confidence to a
personal debt adviser on:
0800 1164 923

(*=required information)

For your confidence

We have been providing debt advice since 2005.
Regulated by: Office of Fair Trading (OFT).
Consumer Credit License (CCL) No: 0568904.

What is an IVA?

A brief guide explaining IVAs, from what IVA stands for to what IVAs do and who they are suitable for as a debt solution.

How IVA can help you?

IVAs can freeze interest, lower monthly payments and see you become debt free in just five years. So how do they work?

Talk to a personal
debt adviser
0800 1164 923

We can help you whatever your level of debt.

Customer feedback

Their response was prompt and clearly explained. All communication was clearly explained and non-judgemental.I felt supported through all the steps of the process.

Latest IVA blog posts

More self employed seeking IVA advice Added on: 01-09-2010
While defaults drop debt management plans may help Added on: 06-08-2010
More people in the UK in debt for funding holidays Added on: 27-07-2010

IVA