IVA Costs and Fees
How IVA fees work — explained clearly, with nothing hidden.
How IVA fees work
All IVA providers charge fixed fees to set up and manage an IVA — this is a standard part of the process. IVA payments are based on what you can realistically afford, and fees are included within your monthly payments. Your monthly payment covers both your repayment and the administration of your IVA. If your IVA is not approved, you won't pay us anything.
- No upfront charges to check your options
- No hidden costs if you do not proceed with an IVA
- No separate admin bills later
IVA fees explained — an IVA could help you reduce what you repay
An IVA allows you to make one affordable monthly payment based on what you can realistically afford. Once your IVA is successfully completed, any remaining qualifying unsecured debt included in the arrangement is legally written off. A debt write-off amount of around 80% is realistic based on average client outcomes between April 2024 and April 2025. Individual results vary depending on your circumstances and creditor approval.
You don't need to struggle with debt alone
Taking the first step can feel difficult, but speaking to us is completely confidential and could help you understand what realistic solutions are available. We'll explain everything clearly, answer your questions, and only recommend an IVA if it genuinely suits your situation.
Common questions
Are there any upfront fees to check my options?+
No. There are no upfront charges to check your options, and no hidden costs if you do not proceed with an IVA.
What happens if my IVA is not approved?+
If your IVA is not approved, you won't pay us anything.
How much debt could be written off?+
A debt write-off amount of around 80% is realistic based on average client outcomes between April 2024 and April 2025. Individual results vary depending on your circumstances and creditor approval.
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.