Apply For A IVA
You don’t have to face debt alone. Our friendly team has helped thousands combine multiple debts into one – Apply For A IVA Today
- Stop interest and charges immediately
- Write off up to 75% of your debt*
- Protect yourself from creditor action
- Take back control of your debts
At UK Debt Support, we focus on IVAs. We’ll explain the pros and cons of all available debt solutions. If another option suits you better, we’ll refer you to a trusted partner for advice. All benefits and risks will be discussed during your initial assessment so you can make an informed decision. Fees apply for IVAs.
You can visit the Money Helper website to find out more about managing your money and to get free advice, they are an independent service set up to help people manage their money. Further Information – The Insolvency Service has produced a Guide for people struggling with debt in the United Kingdom.
Speak To Our IVA Experts Today
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What Our Clients Say About Us
How an IVA Works and Who Can Apply
What Is an IVA?
- A legal debt solution in the UK.
- One affordable monthly repayment.
- Creditors stop chasing for payment.
- Interest and charges are frozen.
- Debt written off once it’s complete.
How UK Debt Support Works?
- We offer free and honest guidance.
- Payments based on what you can afford.
- Helps if you’ve missed or may miss bills.
- Keeps your finances under control again.
- Apply online or request a quick call back.
Who Can Apply for an IVA?
- You owe £5,000 or more in debts.
- You have at least two creditors.
- You receive a regular income.
- Our team offers free IVA advice.
- Find out if you qualify today.
Benefits of an IVA?
- One easy monthly payment.
- Interest and charges are frozen.
- Protection from bailiffs and creditors.
- Remaining debt cleared after 5–6 years.
- A clear plan to become debt-free.
If You’re Struggling With Debt Act Now
The sooner you act, the more control you have. We can help stop creditor calls, freeze interest and charges, and set up an IVA to get your debts under control before things escalate.
An Example Of How We Might Be Able To Help.
An IVA lets you simplify your debts into one lower monthly payment and write off what you can’t afford to repay. Payments are always tailored to your personal circumstances.
For example, if you owe…
| Bank Loans | £6,200 |
|---|---|
|
Pay Day Loan |
£2,450 |
|
Overdraft |
£1,680 |
|
Council Debt |
£980 |
|
Credit Card |
£9,875 |
|
Total Owed |
£21,185 |
Based on a real case. Actual payments and write-offs vary for each person’s situation.
We Can Help You Manage Most Kinds of Unsecured Debt, Including:
IVA Pros and Cons
Like any debt solution, an IVA has both advantages and drawbacks. Understanding both sides helps you decide if this is the right path for you.
IVA Pros:
- One affordable monthly payment
- Legal protection from creditors and bailiffs
- Debt written off after completion
- No more interest or charges
- Keeps your home and essential assets safe
IVA Cons:
- Affects your credit score for six years
- Some restrictions on credit during the IVA
- Publicly recorded on the Insolvency Register
- May require budget reviews and adjustments
Applying For An IVA - 3 Simple Steps
These three simple steps are designed to help you stay calm, apply for an iva, and protect yourself to get these debts sorted
Speak to An Advisor
See your options
Contact UK Debt Support
Why Choose UK Debt Support?
We Listen To You
Debt is hard to face, but you don’t have to face it alone. We’re here to listen without judgement and help you take the first step forward.
We Understand
Every situation is different, and so are the solutions. With years of experience, we’ll guide you toward the option that works best for you.
We Work Together
Becoming debt-free is a journey, and we’ll walk it with you. Our team supports you at every step so you can focus on moving forward.
What Our Clients Say About Us
"They really helped me get out of a massive hole of debt I was falling worse into I can't thank them enough for helping me I feel so much beta and can sleep now without worrying what's going to happen"
Sharon
“ I felt a lot of pressure had been taken off me once I had spoken to them. They kept me upto date every step of the way during my Iva set up and I was able to call anytime I needed advice.”
Holly
“Excellent service and the most understanding and polite staff. Very straight forward and easy to understand and clear problem solving. Private and confidential discussions with confidence. Thank you to all.”
Michelle
we’re here to Answer
all your questions
We know debt can feel overwhelming, and it’s natural to have questions before making a decision. Our FAQ covers the most common concerns about IVAs and other debt solutions so you can understand your options with confidence.
Apply For A IVA
Apply for a IVA through UK Debt Support is simple and confidential.
You can start by completing our free online assessment to see if you qualify. One of our friendly advisers will then review your situation, explain your options, and, if an IVA is suitable, help you start the application with a licensed Insolvency Practitioner.
Do I Qualify For An IVA
You may be eligible to apply for a IVA if:
You have over £6,000 in unsecured debt
You owe money to two or more creditors
You have a regular income and can afford a monthly repayment
You live in England, Wales, or Northern Ireland
If you live in Scotland, a different solution such as a Trust Deed may be more appropriate — and we can guide you to our trusted partner for that
What Debts Can Be Included In An IVA
Most types of unsecured debts can be included, such as:
Credit cards and personal loans
Payday loans
Overdrafts and store cards
Council tax arrears
Utility bills and benefit overpayments
Secured debts (like mortgages or car finance) can’t be included, but we’ll help you understand how these fit into your overall plan.
What debts can be included in an IVA?
Most unsecured debts such as credit cards, loans, overdrafts, and catalogue accounts can be included. Secured debts like mortgages cannot.
Can an IVA stop bailiffs or legal action?
Yes, once approved, an IVA stops all creditor contact and legal enforcement, including bailiff visits.
Can homeowners apply for an IVA?
Yes, homeowners can apply. Your property is usually protected, though equity may be reviewed in the final year.
How long does an IVA last?
Most IVAs last five to six years, depending on your circumstances and creditor agreement.
What happens at the end of an IVA?
Yes, but the joint account holder remains responsible for their portion unless they enter their own arrangement.
Can I Apply For An IVA Online?
Yes. You can start your IVA application online with UK Debt Support in just a few minutes.
Our free online form helps us understand your debts and situation. Once submitted, one of our debt specialists will contact you to explain your options and confirm whether an IVA is suitable.
Ready to Take the First Step?
Get confidential support to stop the stress and take back control of your finances.
Email us – Enquiries@slwb.co.uk
You can visit the Money Helper website to find out more about managing your money and to get free advice, they are an independent service set up to help people manage their money
UK Debt Support is a trading style of SLWB LTD (Company No. 16451543).
Registered Office: Second Floor A, Cheadle Place, Cheadle, Cheshire, England, SK8 2JX.
Adam Southard is authorised as a Licensed Insolvency Practitioner in the United Kingdom by the Insolvency Practitioners Association, We only provide advice after completing or receiving an initial fact find where the individual(s) concerned meet the criteria for one of our insolvency solutions, therefore, all advice regarding Individual Voluntary Arrangements (IVA) is given in reasonable contemplation of an insolvency appointment.
Adam Southard is licensed to act as an Insolvency Practitioner in the UK by the Insolvency Practitioners Association. Office Holder No. 11930
Insolvency Practitioner Directory- Insolvency Practitioner Details (bis.gov.uk)
What you need to know about Individual Voluntary Arrangements
(Insolvency Service)
We provide solutions to individuals throughout the UK, We Will help recommend solutions available to your circumstances in which you can then make an informed decision about which solution you qualify for is best for you and your circumstances.
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