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If you have a general question about Guardian Insolvency please use the form below, if you want to find out if an IVA is suitable for you, please use the form to your right.

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Is an IVA right for you

Answer a few simple questions and we'll help you find your solution.

Total unsecured debt : £4000


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Helpful Information

Over the last few years the number of people in significant debt has grown hugely and Citizens Advice have been forecasting that more than two million people have significant and enduring debt problems. As the number of people in debt has grown so has the demand for debt advice.

IVA Criteria

The basic qualifications to apply to enter into an IVA are that you should have £6000 of unsecured debt and should be able to repay your creditors a minimum of £80 each month for a period of 60 months. To find out more on this please go to our detailed IVA Criteria page


An IVA is often used by people seeking to avoid significant creditor pressure – particularly the self employed – which can force them down the bankruptcy route. To find out more about IVA and Bankruptcy please click here.

The IVA Process

Simple uncomplicated IVAs can be completed in a few weeks from first contact. You do not pay any upfront fees to apply for an IVA. To look at the IVA process in depth please review the information in our IVA GUIDE


An IVA can be used by many people to resolve major debt problems. Please check out some examples of how an IVA could help ordinary people like you.

Protected Trust Deed

This is a form of IVA which is for people resident in Scotland only. The law slightly differs from the rest of the UK. To find out more about Trust Deeds please click here.


We constantly get asked many questions on IVAs and your situation is unique – however here are a few of the most frequent questions.

The IVA Advice site is owned by Guardian Insolvency Ltd. Guardian Insolvency Ltd is registered in England and Wales No. 07906134 whose registered address is Coppull Business Centre, Mill Lane, Coppull, Chorley, Lancashire, PR7 5BW. Data Protection Number: ZA093360