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IVA Advice Centre

Does my bank have the 'right to offset' during an IVA?

Your bank account provider could enforce their right to offset during your IVA if you owe money to them. Read article

How flexible is an IVA?

If your financial circumstances change during your IVA, you may need to ask for an IVA variation. Read article

Can I pay into a pension while I'm on an IVA?

You can pay a reasonable amount of your wage into a pension while you're on an IVA with Freeman Jones. Read article

Could I qualify for an IVA if I'm claiming benefits?

If you claim benefits, you could still qualify for an IVA, but if benefits are your only income, there might well be a better alternative. Read article

Can an IVA protect me from bankruptcy?

There are a number of disadvantages to bankruptcy that could be avoided with an IVA. Read article

It's good to know:
  • We have an excellent relationship with the UK's major lenders and creditors
  • We pride ourselves on our approach to great customer service
  • Each month 1000s of people are benefiting from our help

To find out more about managing your money and getting free debt advice, visit Money Advice Service, an independent service set up to help people manage their money.

Subject to eligibility and acceptance. Fees Payable. Debt write off applies to unsecured debts only and on completion of an IVA, alternative solutions may be offered. If your IVA fails, it could lead to Bankruptcy. Your ability to obtain credit will be affected for at least 6 years. Homeowners may be required to release the equity in their property.