Where insolvency cases flow.
River Insolvency is a personal insolvency practice built on modern technology. We specialise in IVAs, Protected Trust Deeds and Sequestration — designing the outcome that works for you, and stands up with your creditors.
Free debt counselling, debt adjusting and providing of credit information services is available to customers by contacting MoneyHelper.
£0+
Typical qualifying debt level
0–0 yrs
Typical formal solution term
0 payment
One affordable monthly amount
IPA
Licensed and regulated
Three steps to a resolved case
We handle the legal complexities so you can focus on moving forward.
Tell us about your situation
A guided 5-minute online review of your debts, income and circumstances. No credit check, no judgement, no call centre script.
We model every route
Our case engine tests your position against every solution available in your jurisdiction, and a licensed insolvency practitioner reviews the recommendation.
Your case flows
Digital signing, open-banking income verification and a live client portal. You always know what stage you are at — and so do your creditors.
A calmer financial life, on a fixed timeline
A formal insolvency solution replaces a dozen unpayable demands with one plan, one payment and one end date.
- Payments based on what you can genuinely afford
- Interest and charges frozen once your case is approved
- Legal protection from creditor calls, letters and action
- Keep your home and car in most cases
- A clear, fixed end date
- Remaining qualifying debt written off on completion
Personal insolvency, across the UK
Regulated solutions designed to protect your interests and provide a clear path out of debt.
England, Wales & Northern Ireland
Individual Voluntary Arrangement
Getting your monthly finances back to balance.
A structured plan to repay what you can afford over 5–6 years, with remaining qualifying unsecured debt legally written off.
Read the guide →Scotland
Protected Trust Deed
A calmer route towards a fresh financial start.
The Scottish route to debt freedom: affordable payments for around 4 years, followed by legal discharge from remaining qualifying debt.
Read the guide →Scotland
Sequestration
Drawing a line under unmanageable debt.
A fresh start for people in severe financial difficulty, with most included debts cleared after one year.
Read the guide →Built to remove the friction
We use technology to remove the stress of paperwork, keeping your case moving smoothly towards resolution.
Case engine, not guesswork
Every proposal is stress-tested against affordability, asset and creditor-vote modelling before it reaches a single creditor.
Days, not months
Open banking, automated creditor tracing and e-signature cut weeks of paperwork out of the process.
One live portal
Track payments, documents, annual reviews and messages in one place — on any device, at any hour.
Better creditor outcomes
Cleaner data and realistic proposals mean higher approval rates and better returns for creditors, and fewer failed cases.
Straight answers
Will this affect my partner?+
Only where you hold joint debts. Your individual debts are separate from your partner's, and in most cases a solution covers your own debts alone.
What happens to my credit file?+
Formal insolvency solutions are recorded on your credit file, typically for six years. If you are already struggling with payments your file is likely affected already — resolving the debt puts you in a stronger position to rebuild.
How much debt could be written off?+
It depends entirely on your income, assets and creditor position. An IVA or Protected Trust Deed can write off a significant proportion of qualifying unsecured debt at the end of the term. We will show you a realistic figure before you commit to anything.
How long does a case last?+
Typically 5–6 years for an IVA, around 4 years for a Protected Trust Deed, and discharge after 1 year in sequestration (with contributions payable for up to 4 years).
What about my mortgage or car finance?+
Secured debts are treated separately and continue as normal. Many clients keep their home and vehicle while resolving unsecured debt through a formal solution.
Who regulates River Insolvency?+
Our insolvency practitioners are licensed and regulated by the Insolvency Practitioners Association (IPA). We are not authorised by the Financial Conduct Authority.
Check if you meet the criteria — in under 5 minutes
Answer a few questions and our eligibility engine maps your situation against every route available in your jurisdiction. Free, confidential, no credit check.