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• Individual voluntary arrangements (IVAs)

  Individual voluntary arrangements (IVAs) Before you start an IVA Check what an IVA is Check if an IVA is right for you How to apply for an IVA While you're on an IVA If your circumstances change

• How to apply for an IVA

  How to apply for an IVA This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales Before you start, make sure an IVA is the right

• Check what an IVA is

  Check what an IVA is This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales An individual voluntary arrangement (IVA

• Check if an IVA is right for you

  Check if an IVA is right for you This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales If you haven't already, you should first

• If you're struggling with your IVA payments

  If you're struggling with your IVA payments This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales If you can't afford your IVA

• While you're on an IVA

  While you're on an IVA If your circumstances change during your IVA If you're struggling with your IVA payments If your creditors are still contacting you Complain about an insolvency practitioner Complain about a debt management company

• Debt solutions

  a bankruptcy rule Creditors making you bankrupt After you go bankrupt Partners and bankruptcy Individual voluntary arrangements (IVAs) Before you start an IVA While you're on an IVA Debt management plans Debt

• If your creditors are still contacting you

  are legally bound by your IVA and have to stick to its terms and conditions. This means they’re not allowed to: chase you for debts covered by your IVA contact you directly about your IVA or the debts

• Before you start an IVA

  Before you start an IVA Check what an IVA is Check if an IVA is right for you How to apply for an IVA

• Complain about an insolvency practitioner

  in a formal capacity, for example as supervisors of an individual voluntary agreement (IVA) or as nominees, are subject to the scrutiny of the professional body they belong to. If they're not acting