Free, confidential, no obligation

Apply for an IVA

This is the first step, not a commitment. Answer a few quick questions and an advisor will call to check whether an IVA is genuinely right for you and walk you through all of your options. An IVA can only be set up by a licensed Insolvency Practitioner after proper advice, so sending this form simply starts the conversation.

No pressure, no obligation

Start Your IVA Enquiry

Answer a few quick questions and leave your details. An advisor will call to check whether an IVA is right for you and talk you through every option, not just an IVA. Sending this form does not commit you to anything.

Confidential conversation
No upfront fees to talk
We'll cover every option, free advice included
Step 1 of 8No obligation

How Much Do You Owe in Total?

A rough figure is fine, mainly unsecured debts like cards, loans and overdrafts.

How Many Debts Do You Have?

Roughly how many separate people or companies you owe.

What's Your Employment Status?

This helps an advisor understand your income.

What's Your Residential Status?

Whether you own or rent can affect which options suit you.

Where Do You Live?

IVAs apply in England, Wales & Northern Ireland. Scotland has its own solutions.

What's Your Main Worry Right Now?

So an advisor can focus on what matters most to you.

Roughly What Could You Afford Each Month, After Essentials?

An honest estimate is best, it shouldn't leave you short on the basics.

Where Should We Send Your Result?

An advisor will call to walk you through your options. Fields marked * are required.

Please complete the highlighted fields and tick both boxes to continue.

This gives general guidance only, not a decision or formal financial advice. Free, impartial debt advice is available from MoneyHelper and the charities below.

Thanks, We've Got Your Details

Before agreeing to anything, it's always worth a free second opinion. MoneyHelper and the charities below give free, impartial advice on every option.

You Can Always Get Free, Impartial Debt Advice

You never have to pay anyone to understand your options. These organisations are free, independent and won't try to sell you anything. We'd genuinely encourage you to speak to one of them before agreeing to any debt solution.