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About IVA

What Is an IVA?

Debt can feel like a heavy burden, but there’s a solution designed to help individuals across the UK reduce their debt and rebuild their financial future. If you're overwhelmed by unsecured debts like credit cards, loans, or overdrafts, a legally binding Individual Voluntary Arrangement (IVA) could be the answer you're looking for.

An Individual Voluntary Arrangement (IVA) is a formal and legally binding agreement between you and your creditors to repay your debts over a fixed period, usually five to six years. With an IVA, you make affordable monthly payments based on your financial situation, and any remaining debt is typically written off at the end of the agreement.

Know More About IVA
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Why Choose Money Helpers for Debt Management in the UK?

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Expert UK Debt Advisers

We’re experienced in helping UK clients manage debt effectively and legally.

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Tailored Solutions for Every Situation

No two financial situations are the same, which is why we offer personalized plans to fit your needs.

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Stress-Free Process

We take care of all your creditors communication so you can focus on your financial recovery.

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Free Advice and Support

Our consultations are free, confidential, and designed to help you make informed decisions about your finances.

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Local Knowledge, National Coverage

With years of experience in the UK, we understand the challenges faced by individuals across England, Scotland, Wales, and Northern Ireland.

What We Offer

Debt Solution For You

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Debt Management Plan (DMP)

Debt Management in the UK: Take Control of Your Finances Today

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Individual Voluntary Arrangement (IVA)

Individual Voluntary Arrangement (IVA) in the UK: A Path to Debt Relief

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Debt Relief Order (DRO)

Debt Relief Order (DRO) in the UK: A Simple Solution to Your Debt Worries

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Trust Deed

Trust Deed in Scotland: Your Path to Financial Freedom

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Bankruptcy

Bankruptcy in the UK: A Fresh Start for a Debt-Free Life

How We Work?

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Free Consultation: Speak with one of our expert advisers for a free, confidential assessment of your financial situation.

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Personalized Plan: We’ll create a tailored Debt Management Plan based on your income, expenses, and debt levels.

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Negotiation with Creditors: Our team will contact your creditors to agree on reduced payments and, in some cases, request that they freeze interest charges.

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Start Repayments: You’ll make one affordable monthly payment to us, and we’ll distribute the funds to your creditors.

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Ongoing Support: We’ll be here to support you throughout your journey, adjusting your plan if your circumstances change.

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Ready to find out if a DMP is right for you?

If you’re struggling to keep up with your debt repayments, you’re not alone. Millions of people in the UK use debt management plans to regain control of their finances. Signs that a DMP might be right for you include:

  • Difficulty keeping up with minimum debt payments.
  • Relying on credit to cover everyday living expenses.
  • Feeling stressed or anxious about creditor letters or calls.
  • Wanting a clear and structured way to repay your debts.

Your Path to a Debt-Free Life Begins Here!

Struggling with debt doesn't have to be a lifelong battle. Our personalized debt relief programs are designed to fit your unique situation. Take the first step towards financial peace of mind.

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    Got DMP Questions? We’ve Got Answers!

    Frequently Asked Question

    Yes, a DMP will appear on your credit report and may affect your ability to borrow in the short term. However, it’s a positive step towards becoming debt-free and rebuilding your financial future.

    The length of your plan depends on how much you owe and how much you can afford to repay each month. Most DMPs last several years, but they can be adjusted if your situation changes.

    Only unsecured debts can be included in a DMP. Mortgages, car loans, and other secured debts are excluded.

    Only unsecured debts can be included in a DMP. Mortgages, car loans, and other secured debts are excluded.
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    Struggling with debt doesn't have to be a lifelong battle. Our personalized debt relief programs are designed to fit your unique situation. Take the first step towards financial peace of mind.

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