Fresh Start Debt Support
An IVA, or Individual Voluntary Arrangement, is a legally binding agreement between you and your creditors that allows you to pay back your debts over a fixed period, typically five to six years. At the end of that term, any remaining debt is usually written off.
It’s a powerful debt solution approved by the courts in England, Wales, and Northern Ireland. If you're struggling with unaffordable debts, an IVA can protect you from legal action, bailiff visits, and creditor harassment — all while lowering your monthly payments to something manageable.
Thousands of people every year choose an IVA as their route to a fresh financial start. But it's important to understand the pros, cons, and alternatives before committing. That’s where we come in.
Check If I Qualify for an IVAChoosing an Individual Voluntary Arrangement could offer you a range of benefits, especially if you're facing relentless calls from creditors or the threat of enforcement action. Here are some of the key advantages:
If you're overwhelmed and unsure where to turn, an IVA might be your fastest and most realistic route to financial stability. It's a structured, supportive, and regulated solution — and it could be the debt relief you need right now.
Get IVA Advice TodayNot everyone is eligible for an IVA, but many people are surprised to find they do qualify. To apply for an IVA in the UK, you generally need to meet the following criteria:
If you're not sure whether you qualify, don't worry — we can assess your situation quickly and confidentially. Even if you don’t meet the IVA criteria, there are other options such as a Debt Management Plan or a Debt Relief Order.
See If I’m Eligible for an IVAThe process of setting up an Individual Voluntary Arrangement is straightforward when you work with a trusted debt help provider. Here’s what to expect:
The whole process can often be started within days. And while you're waiting, we may be able to place you under Breathing Space legal protection to pause creditor contact.
Start the IVA ProcessMany people compare an IVA to bankruptcy when trying to clear serious debt. While both can help you deal with unaffordable repayments, there are key differences to understand:
An IVA may be a better choice if you have a job, home, or assets you want to protect. Plus, it gives you more control — and less stress — throughout the process.
Our team can help compare your options, explain both routes, and support you in making the right decision based on your situation.
Compare IVA vs BankruptcyAn Individual Voluntary Arrangement can cover most types of unsecured debt, including:
Some debts, like student loans, child maintenance, and criminal fines, usually can’t be included — but we’ll go through your full list of debts with you during a free review.
Get a Free Debt CheckEmma from Manchester had £22,000 in unsecured debts after losing her job. She was behind on payments and receiving daily calls from creditors. We helped her apply for an IVA. Here's what changed:
This is just one example of how an IVA can turn things around quickly. Whether you’re working, on benefits, or self-employed — there may be a way forward for you, too.
See If You QualifyYes — like all debt solutions, an Individual Voluntary Arrangement has pros and cons. It’s not a magic fix, and it won’t be right for everyone.
Here are some risks to be aware of:
We’ll talk you through the risks clearly and honestly. Our goal is not to sell you an IVA — it’s to help you understand all your choices and make the one that gives you the best chance of success.
Speak to a Debt AdvisorWhen you enter an IVA, it will show on your credit file for six years. This can make it harder to get credit during that time. However, many people already have missed payments and defaults before applying — so the impact is often less than feared.
The good news? Once the IVA is complete, you can begin rebuilding your credit rating. And during the IVA, you’ll have financial stability and no more mounting debt.
We’ll also provide free tips and tools to help you rebuild your credit once your IVA ends.
Get IVA Guidance NowNot everyone qualifies for or benefits from an IVA. Depending on your situation, other debt solutions may be better, such as:
At Fresh Start Debt Support, we don’t push one option over another. We look at the whole picture and offer genuine advice about what will help you move forward with confidence.
Compare My OptionsGetting started with an IVA is simple. Here’s what the process looks like with Fresh Start:
The whole process can be completed quickly — often within days — and we’ll support you at every step.
Start My IVA NowThese guides can help you better understand your options and feel more in control of your finances.
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