Every article on IVA.tv answers a real question someone in debt has asked us. Use the categories below to jump straight to the topic that fits, or browse the full list at the bottom of the page. SourcesSources checked for this guide
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Free IVA & debt-help articles
Plain-English guides covering every angle of an IVA — eligibility, costs, debts included, the application process, life during an IVA, and the alternatives.
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IVA decision guides
The high-intent guides to read before choosing a provider or starting an IVA application.
Decision guide
Apply for an IVA
Apply for an IVA safely: check if you qualify, what documents you need, how creditor voting works, and the risks before you sign.
Read guide →Decision guide
How much does an IVA cost?
How much does an IVA cost? See monthly payment examples, Insolvency Practitioner fees, no-upfront-fee rules and likely debt write-off.
Read guide →Decision guide
IVA companies
Compare IVA companies safely: check the licensed Insolvency Practitioner, fees, suitability checks, warning signs and questions to ask.
Read guide →Decision guide
IVA pros and cons
IVA pros and cons explained: debt write-off, legal protection, fees, credit-file impact, public register, failure risk and alternatives.
Read guide →Decision guide
Write off council tax debt
Can council tax debt be written off? See when arrears can go into an IVA, DRO or bankruptcy, and what to do before bailiff fees grow.
Read guide →
Topic
IVA & money
Bank accounts, credit cards, loans, mobile contracts and the rest of your day-to-day finances during and after an IVA.
IVA & money
Can I get a loan to pay off IVA?
It may be possible to obtain a loan to pay off an Individual Voluntary Arrangement (IVA), but it will depend on your specific circumstances …
Read article →IVA & money
Can IVA freeze your bank account?
An Individual Voluntary Arrangement (IVA) does not have the power to freeze your bank account. An IVA is a legally binding agreement that …
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How badly does an IVA affect credit rating?
An Individual Voluntary Arrangement (IVA) can have a negative impact on your credit rating. An IVA is a legally binding agreement that …
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Can you rebuild credit after an IVA?
It is possible to rebuild your credit after an Individual Voluntary Arrangement (IVA), but it may take some time and effort.
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Can I use a credit card while in an IVA?
It is generally not advisable to use a credit card while in an Individual Voluntary Arrangement (IVA). An IVA is a legally binding agreement …
Read article →IVA & money
Can I get a mobile phone contract with an IVA?
It may be more difficult to obtain a mobile phone contract with an Individual Voluntary Arrangement (IVA).
Read article →IVA & money
Can I get monthly car insurance with an IVA?
It may be more difficult to obtain car insurance with an Individual Voluntary Arrangement (IVA). An IVA is a legally binding agreement that …
Read article →IVA & money
Can an IVA check my bank account?
An Individual Voluntary Arrangement (IVA) is a legally binding agreement that allows you to reach an agreement with your creditors to pay …
Read article →IVA & money
Can I still spend money with an IVA?
An Individual Voluntary Arrangement (IVA) is a legally binding agreement that allows you to reach an agreement with your creditors to pay …
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Topic
Eligibility & application
Who qualifies, how to apply, what gets accepted and what gets rejected.
Eligibility & application
Apply for an IVA
Apply for an IVA safely: check if you qualify, what documents you need, how creditor voting works, and the risks before you sign.
Read article →Eligibility & application
How do I apply for an IVA?
Learn how to apply for an IVA: debt advice, affordability checks, Insolvency Practitioner proposal, creditor vote and approval.
Read article →Eligibility & application
How many payment breaks can you have in an IVA?
The number of payment breaks you can have in an Individual Voluntary Arrangement (IVA) will depend on the terms of the IVA.
Read article →Eligibility & application
Do I have to include everything in an IVA?
An Individual Voluntary Arrangement (IVA) is a legally binding agreement that allows you to reach an agreement with your creditors to pay …
Read article →Eligibility & application
Does everyone get accepted for an IVA?
Not everyone is accepted for an IVA. Learn the income, debt, affordability, creditor-vote and suitability checks used before approval.
Read article →Eligibility & application
Do IVAs get rejected?
IVAs can be rejected if payments are unaffordable, the proposal is unsuitable, creditor returns are weak or another debt option fits better.
Read article →Eligibility & application
How do you qualify for debt relief?
Debt relief eligibility depends on income, assets, debt level and location. Compare IVA, DRO, DMP and bankruptcy routes before applying.
Read article →Eligibility & application
What is the best debt charity?
Compare UK debt charities and free advice routes, including MoneyHelper, Citizens Advice, National Debtline, StepChange and PayPlan.
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Topic
Credit, home & life after an IVA
Effects on your credit file, your home, and rebuilding once the IVA is complete.
Credit, home & life after an IVA
Can I keep an IVA secret?
An Individual Voluntary Arrangement (IVA) is a legally binding agreement that is typically made public through the Insolvency Register.
Read article →Credit, home & life after an IVA
Can you be scammed with an IVA?
IVA scams and poor advice can happen. Learn the warning signs, how to check an Insolvency Practitioner and what to ask before signing.
Read article →Credit, home & life after an IVA
Can you buy a house after an IVA?
It is possible to buy a house after an Individual Voluntary Arrangement (IVA), but it may be more difficult to obtain a mortgage compared to …
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Topic
Debt collectors & bailiffs
What collectors and bailiffs can and cannot do, and how an IVA stops their action.
Debt collectors & bailiffs
How do I stop debt collectors chasing me?
How to stop debt collectors chasing you in the UK: request proof, set contact rules, check limitation, complain if needed, and compare …
Read article →Debt collectors & bailiffs
Do HMRC use Moorcroft Debt Recovery Limited?
It is possible that HMRC (Her Majesty’s Revenue and Customs) may use Moorcroft Debt Recovery Limited to collect unpaid taxes.
Read article →Debt collectors & bailiffs
Who do Moorcroft Group collect for?
Moorcroft Group is a UK-based debt collection agency. According to their website, they work with a range of clients, including banks, credit …
Read article →Debt collectors & bailiffs
Can you stop a bailiff eviction?
It is possible to stop a bailiff eviction in the UK, but it may require taking legal action. Bailiffs, also known as enforcement agents, are …
Read article →Debt collectors & bailiffs
How do I stop bailiff action?
It is important to remember that you have rights when dealing with bailiffs, and you do not have to allow them to enter your home or seize …
Read article →Debt collectors & bailiffs
How many times can a bailiff visit in a day in the UK?
Bailiffs are not allowed to visit your home at unreasonable times, such as late at night or early in the morning.
Read article →Debt collectors & bailiffs
Can bailiffs legally enter your home in the UK?
In the UK, bailiffs, also known as enforcement agents, are authorized to collect debts on behalf of creditors.
Read article →Debt collectors & bailiffs
Do police turn up with bailiffs
In the UK, police do not generally accompany bailiffs when they are collecting debts. Bailiffs, also known as enforcement agents, are …
Read article →Debt collectors & bailiffs
Will bailiffs give up?
Bailiffs in the UK, also known as enforcement agents, are authorized to collect debts on behalf of creditors.
Read article →Debt collectors & bailiffs
Do debt collectors give up?
Debt collectors may stop chasing if a debt is uneconomic, disputed, statute-barred or included in a formal solution. Know your rights first.
Read article →Debt collectors & bailiffs
Who are Moorcroft Debt Recovery?
Moorcroft Debt Recovery is a UK-based debt recovery company that provides debt collection and recovery services to businesses and …
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Topic
Alternatives & write-off
Debt Relief Orders, Debt Management Plans, bankruptcy and outright write-off — when each one fits.
Alternatives & write-off
Write off council tax debt
Can council tax debt be written off? See when arrears can go into an IVA, DRO or bankruptcy, and what to do before bailiff fees grow.
Read article →Alternatives & write-off
What happens if you cant afford IVA?
If you are unable to afford the payments required under an Individual Voluntary Arrangement (IVA), it is important to communicate this to …
Read article →Alternatives & write-off
Who pays the fees in an IVA?
In an Individual Voluntary Arrangement (IVA), the fees are typically paid from the monthly payments that you make towards your debts.
Read article →Alternatives & write-off
How long does an IVA take to pay off?
An Individual Voluntary Arrangement (IVA) typically takes five years to pay off. An IVA is a legally binding agreement that allows you to …
Read article →Alternatives & write-off
What can I do instead of an IVA?
Compare IVA alternatives including Debt Management Plans, Debt Relief Orders, bankruptcy, Breathing Space and informal repayment plans.
Read article →Alternatives & write-off
How long can I be chased for a debt?
Learn how long creditors and debt collectors can chase UK debts, including limitation periods, acknowledgements and court action.
Read article →Alternatives & write-off
What happens at the end of a debt relief order?
At the end of a DRO, included debts are usually written off if your circumstances have not improved. Learn what changes and what remains.
Read article →Alternatives & write-off
Can debt be written off?
Debt can sometimes be written off through an IVA, DRO, bankruptcy or settlement. Learn which options apply and what to check first.
Read article →
Topic
What an IVA is
The basics — what an IVA actually is, how long it lasts, what it does to your debts, and whether it's worth it.
What an IVA is
Is an IVA worth it?
An IVA may be worth it if debts are unaffordable and you have regular income. Compare the benefits, risks and alternatives first.
Read article →What an IVA is
What are the disadvantages of IVA?
Understand the main IVA disadvantages: credit-file impact, payment failure, fees, spending limits, home equity and creditor approval.
Read article →What an IVA is
Is an IVA a good idea?
An IVA can be a good idea when unsecured debts are unaffordable, but it has risks. Compare suitability, costs and alternatives first.
Read article →What an IVA is
What is the downside to an IVA?
The downside to an IVA can include credit damage, strict payments, public register entry and possible failure if your budget changes.
Read article →What an IVA is
What does IVA stand for?
IVA means Individual Voluntary Arrangement. Learn how IVAs work, who manages them, how long they last and when they may help.
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Topic
More articles
Other guides on UK debt and IVA topics.
More
IVA companies
Compare IVA companies safely: check the licensed Insolvency Practitioner, fees, suitability checks, warning signs and questions to ask.
Read article →More
IVA pros and cons
IVA pros and cons explained: debt write-off, legal protection, fees, credit-file impact, public register, failure risk and alternatives.
Read article →More
Is an IVA better than a debt management plan?
Compare an IVA with a Debt Management Plan: legal protection, monthly payments, credit-file impact, fees and debt write-off.
Read article →More
How much is an IVA per month?
IVA payments are based on spare income after essential costs. Learn how budgets, creditors, reviews and alternatives affect the figure.
Read article →More
Will HMRC accept an IVA?
HMRC, also known as the Her Majesty’s Revenue and Customs, is a government agency in the UK responsible for collecting taxes and enforcing …
Read article →More
How do you pay off aggressively debt?
Paying off debt aggressively means that you are focused on paying off your debts as quickly as possible, rather than just making the minimum …
Read article →More
How can I get rid of debt immediately?
There is rarely an instant debt fix. Compare urgent steps, repayment plans, Breathing Space, IVA, DRO and bankruptcy options.
Read article →More
How much does an IVA cost?
How much does an IVA cost? See monthly payment examples, Insolvency Practitioner fees, no-upfront-fee rules and likely debt write-off.
Read article →
A–Z
Every IVA.tv article
52 articles, alphabetical.
- Apply for an IVA
- Can an IVA check my bank account?
- Can bailiffs legally enter your home in the UK?
- Can debt be written off?
- Can I get a loan to pay off IVA?
- Can I get a mobile phone contract with an IVA?
- Can I get monthly car insurance with an IVA?
- Can I keep an IVA secret?
- Can I still spend money with an IVA?
- Can I use a credit card while in an IVA?
- Can IVA freeze your bank account?
- Can you be scammed with an IVA?
- Can you buy a house after an IVA?
- Can you rebuild credit after an IVA?
- Can you stop a bailiff eviction?
- Do debt collectors give up?
- Do HMRC use Moorcroft Debt Recovery Limited?
- Do I have to include everything in an IVA?
- Do IVAs get rejected?
- Do police turn up with bailiffs
- Does everyone get accepted for an IVA?
- How badly does an IVA affect credit rating?
- How can I get rid of debt immediately?
- How do I apply for an IVA?
- How do I stop bailiff action?
- How do I stop debt collectors chasing me?
- How do you pay off aggressively debt?
- How do you qualify for debt relief?
- How long can I be chased for a debt?
- How long does an IVA take to pay off?
- How many payment breaks can you have in an IVA?
- How many times can a bailiff visit in a day in the UK?
- How much does an IVA cost?
- How much is an IVA per month?
- Is an IVA a good idea?
- Is an IVA better than a debt management plan?
- Is an IVA worth it?
- IVA companies
- IVA pros and cons
- What are the disadvantages of IVA?
- What can I do instead of an IVA?
- What does IVA stand for?
- What happens at the end of a debt relief order?
- What happens if you cant afford IVA?
- What is the best debt charity?
- What is the downside to an IVA?
- Who are Moorcroft Debt Recovery?
- Who do Moorcroft Group collect for?
- Who pays the fees in an IVA?
- Will bailiffs give up?
- Will HMRC accept an IVA?
- Write off council tax debt
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