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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


4-star Feefo ratings

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...

What does CCJ discharged mean?

If you’re struggling with debt and have failed to repay a creditor, their are various ways creditors can force you to pay the full amount owed, including including going to the court and having a County Court Judgement taken out against you. The best-case scenario is to have your CCJ discharged. In this guide, we’ll […]

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What is a charging order?

When you owe money to a creditor and they have a County Court Judgment (CCJ) against you, they can also apply for something called a charging order – a different kind of court order that secures the debt your have with that creditor against your home. In this guide, we explore charging orders – what […]

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How to deal with a default notice

It can be hard to keep track of all your incomings and outgoings at times, which can cause you to miss payments. When you continually miss payments to creditors, however, you may face a default notice, which can harm your creditor rating and even cause debt collectors to come to your door. In this guide […]

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How do you know if you have a County court judgement (CCJ)?

Depending on your circumstances, you may find yourself with debt you can’t – or won’t – repay. There are various legal avenues that your creditors can explore in order to force you to repay what you owe. One of the most common is a County Court Judgement (CCJ). In this article we’ll examine CCJs – […]

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