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Write off up to 81% of your debt with an IVA

Government legislation can help you

  • Write off unsecured debts over £5,000
  • Stop interest and charges soaring
  • Reduce payments to as little as £90 per month
  • Over 10,000 Trustpilot reviews
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Why choose us

We've helped over

182,000 people

out of debt

Our clients repaid

£4 billion

With our assistance

Our advice is

100% free

And totally impartial

We've received over


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IVA Plan is a service dedicated to offering help and advice when it comes to debt. Here’s how we can help you.

Help when you need it

You can get free, confidential and expert debt advice online or over the phone.

Solutions specific to you

We’ll recommend the best debt solutions for your individual circumstances.

Ongoing support

We’ll support you while you deal with your debt problems, for as long as you need.

“When I spoke to the advisor on the phone, I was stressed, but she made me feel a lot better and I didn’t feel judged, which made a huge difference. I’m now paying my debts back in an affordable way via an IVA, and have about four years until I’ll be debt free.”

- Martin, Stockport

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Here's the latest articles our team have written to give you tips and advice...

Breathing space: Debt Respite Scheme

In May of 2021 the UK Government launched the Breathing Space scheme, a scheme designed to offer people with problem debt the time they need to sort out their finances without facing pressure from creditors. In this guide we’ll explore the Breathing Space scheme more closely, taking you through what it is, how it works, […]

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How to apply for a Government crisis loan online

Financial emergencies happen for all sorts of reasons, and many of us are just one bad month away from financial difficulty, especially if you’re already on low income or receiving benefits. That’s where the Government may be able to help you. In this guide we’ll explore the government crisis loan and other forms of financial […]

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How does equity release work?

For homeowners who don’t have a lot of cash on hand but hold significant equity in their home, equity release can be a useful way to access a tax free lump sum that offers some financial security, although there are risks involved. In this guide we’ll explore equity release in depth, including what it is, […]

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What is the help to save scheme?

Help to save is a Government scheme aimed at low-income people and does exactly what it sounds like – helps people on universal credit and other benefits to build up their savings. In this guide we’ll examine the help to save scheme, including what it is, how help to save works, and how you can […]

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We offer the widest range of debt solutions, to help you no matter what you’re dealing with.