Fresh Start Debt Support
If you're drowning in debt and considering an Individual Voluntary Arrangement (IVA), one of the first things you'll search for is: “the best IVA companies in the UK.” But with so many IVA providers, firms, and intermediaries offering to help, how do you know which one to trust?
At Fresh Start Debt Support, we help you cut through the confusion. We’ll explain what IVA companies do, how to choose the right one, and how our more personal, responsive service compares to big call-centre brands. If you want to stop bailiffs, freeze interest, and reduce your payments through an IVA — you’re in the right place.
Check If I Qualify for an IVAAn IVA company is typically either a licensed insolvency firm or an intermediary that helps set up IVAs. These companies work on your behalf to create a legally binding agreement with your creditors, allowing you to:
While many IVA companies operate nationally, some offer better support, faster communication, and more personalised care than others. It’s not just about setting up an IVA — it’s about making sure it’s right for you.
We’ll help you assess if an IVA is the right option, or whether a Debt Management Plan, Debt Relief Order, or Breathing Space scheme is more suitable for your situation.
See If I Qualify for an IVAIf you’re doing your own research, you might come across a range of IVA firms and insolvency practitioners. Some are large national names, others are more local or specialist. Here are a few commonly known IVA companies in the UK:
While some of these firms do good work, they often handle huge client volumes — meaning less personal care and longer wait times. Our approach is more personal, tailored, and fast-moving.
We also help you compare the IVA option to other alternatives before making a decision.
Learn More About IVAsBefore choosing an IVA company, it’s worth checking online reviews and forums to see what real clients are saying. Common complaints about some national IVA firms include:
That’s why many clients come to us after having a poor experience elsewhere. We focus on transparent, no-pressure support. If we don’t think an IVA is right for you, we’ll tell you — and help you explore alternatives like a Debt Management Plan or Debt Relief Order.
Compare Debt Solutions NowTo be eligible for an Individual Voluntary Arrangement (IVA), you typically need:
If you're unsure whether you qualify, don’t worry — we’ll help assess your circumstances and find out if an IVA is a good fit. And if it’s not, we’ll help you apply for something better suited to your budget, such as a Breathing Space or a DMP.
Check My EligibilityIVA companies must work with licensed Insolvency Practitioners (IPs) who are regulated by official bodies. However, not all companies offering debt help are clear about their setup. Some use referral networks or lead generation websites, which can be confusing. We provide transparency and only connect you to approved professionals when needed.
Most IVA companies earn fees through the monthly repayments you make. These fees are built into your plan — but they should always be explained clearly before you agree. At Fresh Start, we believe in full transparency. You'll know exactly how everything works, with no hidden surprises.
We are a debt help specialist, not a firm of Insolvency Practitioners. That means we help you understand your options — including IVAs — and refer you to a trusted IP if appropriate. This gives you more flexibility, better support, and the chance to compare all solutions without pressure.
If you're eligible, we can begin the IVA process immediately. Most clients are fully set up within 4–6 weeks, but it depends on how quickly your paperwork is returned. During the setup phase, we can also help you access legal protection like the Breathing Space scheme to stop bailiffs or legal action.
You can withdraw from an IVA before it’s approved by creditors. Once it's live, it becomes legally binding — but if your circumstances change, we’ll help you review other options like a variation or a different debt solution. We always keep your best interests first.
Speak to a Specialist TodayIf you're considering an IVA or unsure which solution fits your needs best, don't wait for things to get worse. The sooner you act, the more options you’ll have. Whether you’re facing creditor calls, struggling with payday loans, or just feeling overwhelmed — you’re not alone.
Fresh Start Debt Support is here to guide you through every stage of the journey. From the initial advice to connecting you with the right IVA companies and beyond, we’ll stand by you every step of the way.
It’s time to breathe again — and we’re here to help make it happen.
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