Is an IVA right for me? Find out now

To find out if an IVA is right for your situation simply follow the 4 Steps below and our IVA calculator will work out if an Individual Voluntary Arrangement is suitable for you or not.

If there is a difference between what you can afford to pay your creditors and what you are currently being asked to pay, give us a call on 0800 043 5043

You can discuss your options with us for free and in total confidence and with no obligation to proceed.

Step 1 of 4 - Monthly Income

Your monthly wages after tax
Partner's monthly wages after tax

Only fill these out if they are applicable
	Income Support
Disability Living Allowance
Working Tax Credit
Pension
Child Benefit
Child Tax Credit
Child Maintenance
Other (specify)


Total Income

Step 2 of 4 - Monthly Expenditure
Household

Mortgage/Rent.
Secured Loan
Contents Insurance
Building Insurance
Life Policy
Council Tax
Water Rates
Electricity
Gas
Misc / Contingency

Other

Groceries.
Home Phone
Mobile Phone
Sky/Digital TV
Internet
Clothing
Pets
TV Licence
CSA or Child maintenance
Public Transport
Childcare
Medical
Optical and Dental
Private Pension
Other

Motor Expenses

Fuel
Servicing
Insurance
Road Tax
Hire Purchase

Total Monthly Expenditure

Step 3 of 4 -Your Creditors

How many creditor accounts do you have?


Total Debts		Total Monthly Payment

Step 4 of 4 - The Results.........

Your Monthly Disposable Income: This could be your new monthly debt repayment*	£0.00
Your Current Monthly Debt Repayment:	£0.00
Total Debts	£0.00

Am I eligible for an IVA?

To qualify for an IVA you need to:

-be struggling with your current payments,
-have a disposable income of over £220
-have total debts of over £15,000

Am I struggling?
If your "Disposable Income" is less than your current monthly "Debt Repayments", this means you are struggling. We could get your payments reduced.

Send these details to us and get us to call you.

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