There are many companies who can arrange an IVA but the first and most important step is to find out if an IVA really is the most appropriate way for you. For example you'd need to be struggling with debts over £15,000 and you or your partner would have to be in full-time employment. So getting help from experienced people who put the customer's best interests at the heart of their advice is essential.

The following two organisations do just that. And all their advice is free.

The Debt Advice Trust

The Debt Advice Trust is a ‘Not For Profit’ organisation that exists to provide help and advice to people with serious debt problems. An IVA is one of a number of possible solutions. They will tell you whether an IVA is
right for you and if it is, then they can recommend suitable companies from their approved panel.

Call them on 0800 988 7591 or click to visit the Debt Advice Trust website.

Debt Free Direct

Debt Free Direct is a leading provider of debt advice and has been the No 1 provider of IVAs for a number of years. They operate honestly and ethically and only recommend IVAs if they are the most appropriate solution. If they're not (and they're not for the majority of people who call them) they will help you find an alternative way of solving your problem.

Call them on 0800 093 8607 or click to visit Debt Free Direct's website.