Top IVA Companies in the UK – And Why We’re Different

Looking for a reliable IVA company to help deal with your debts? Choosing the right provider can make all the difference. Some IVA firms handle thousands of clients at once — but at Fresh Start Debt Support, we do things differently.

What Is an IVA Company?

An Individual Voluntary Arrangement (IVA) is a legal agreement to pay back your debt through affordable monthly payments. An IVA company arranges this for you and deals with your creditors on your behalf. The right provider will ensure your plan is fair, tailored, and stress-free.

Popular IVA Providers in the UK

Here are some of the most well-known IVA companies in the UK:

• ✅ Creditfix
• ✅ StepChange IVA
• ✅ PayPlan
• ✅ Financial Support Systems
• ✅ Freeman Jones (part of Financial Wellness Group)
• ✅ Hanover Insolvency
• ✅ McCambridge Duffy

These companies work with thousands of people across the UK — but that can sometimes mean you’re treated like just another number.

Why Choose Fresh Start Instead?

Unlike the big national providers, Fresh Start Debt Support is focused on speed, service, and simplicity:

• ✅ Faster response time – No long waits or call queues
• ✅ Smaller caseloads – You’re not just another file on a desk
• ✅ More personalised support – Speak to the same person
• ✅ Free eligibility check – Takes less than 60 seconds

Can You Switch IVA Providers?

If you’re unhappy with your current IVA company, you may be able to transfer your arrangement — especially if you haven’t signed the final proposal. Speak to us before committing. We’ll explain your options clearly, with no pressure and no jargon.

How to Start an IVA

The first step is to calculate your debt and monthly affordability. From there, our team can guide you through the process:

• ✔ Review your debts and living costs
• ✔ Propose a fair repayment plan
• ✔ Contact creditors and stop enforcement action
• ✔ Begin your IVA once approved

What Debts Can Be Included in an IVA?

Most unsecured debts can be included in an IVA, including:

• 🔹 Credit card debt – Learn more
• 🔹 Personal loans – See how we help
• 🔹 Store cards, overdrafts, payday loans
• 🔹 Council tax and utility arrears – Read more

Unsure if your debts qualify? Start a free check and we’ll let you know.

Is an IVA Right for Me?

If you owe over £6,000 to multiple creditors and can afford at least £80/month, an IVA might be suitable. It can freeze interest, stop bailiffs, and write off unaffordable debt after 5 years.

Other options like a Debt Management Plan or a Debt Relief Order may also be available — we’ll explain them all.