what is an IVA?
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Monthly IVA Payment:
14,000 (61%) written off
debt free in 5 years
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Benefits of an IVA – Regain Control of Your Finances
An Individual Voluntary Arrangement (IVA) comes with powerful benefits designed to give you peace of mind, financial stability, and protection from creditors. Here’s how an IVA can help you:
One Affordable Monthly Payment
Instead of juggling multiple creditors, you’ll make one simple monthly payment to your debt management provider, who will then distribute it to your lenders.
Write Off Unaffordable Debt
At the end of your IVA term, any remaining unsecured debt is legally written off, helping you achieve the goal of financial freedom.
Stop Creditor Pressure
Once your IVA is approved, creditors can’t chase you, add more charges, or take further legal action against you.
Freeze Interest & Charges
All interest and penalty fees are frozen immediately once your IVA is in place, preventing your debt from spiralling.
No Hidden Fees
Your monthly payment already includes IVA fees, so you won’t face unexpected or additional costs.
Path to Debt Freedom
After making your agreed payments, you’ll be free of your included unsecured debts, giving you a fresh financial start.
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Customer feedback
I was at my wits end dealing with all my debts when I got in touch with CAM... I was really impressed with the advice and time which was given to me from Nathan Jacketts. I have been going around in a cycle of credit card debit for as long as I can remember. I originally wanted a loan, but discovered they are other options available to me that I was not aware of. I now have all my debts consolidated into an IVA paying one affordable repayment of £155 a month. This has changed my life, I now dont have to stress each month managing 5 to 6 separate payments going out each month. I highly recommend CAM and Nathan for not judging me 👍
Highly recommend Care About Money, I had a bailiff at my property over a parking fine at 5.20pm, I found care about money online and gave them a call. Spoke initially with Eli, who was beyond incredible and gave me advice on what I needed to do and what my options were he arranged a priority phone call for the following morning at 9.30 where Justin , was equally as incredible we went through everything thoroughly and he explained my options and started the process. Immediately they contacted the creditors on my behalf and got me legal protection meaning I had time to come up with a plan on what to do but stopping the company/companies from contacting me in any form or removing assets. Every single person I dealt with has so much compassion and genuine empathy. They were so respectful and helpful.
Was quite amazed how quickly, Care about money worked. I was in quite a lot of dept and had many company's I owed money too, thay sorted out all my bills and some I didn't remember and consolidated all my moneys owed into one month's affordable payment, Eli and Dan sorted out my finance to a point where now j feel quite lifted and free from worrying about who was going to knock at my door. So I would like to thank everyone who has made this possible for me. Kenny Emptage
Frequently asked questions
An IVA doesn’t require any upfront fees. The costs are included in your affordable monthly repayment plan, so you’ll never pay more than you agree to. Our fees are approved by creditors and are only charged once your IVA is set up and running.
Yes, entering an IVA is a serious decision because it’s a legally binding agreement with your creditors. However, it can also be a positive step towards becoming debt free. An IVA gives you protection from creditor action and allows you to make manageable monthly repayments.
Yes, an IVA is a legally binding debt solution. Once approved, all included creditors must stick to the terms of the IVA and can’t chase you for additional payments. If you maintain your agreed monthly repayments, you’ll be protected, and your remaining debt can be written off at the end of the arrangement.
Yes, you can go on holiday while in an IVA, but your spending must remain reasonable and within your agreed budget. The IVA is designed to give you financial stability, so if you continue to make your monthly repayments, occasional affordable holidays are allowed.
Yes. Your credit rating will be affected during the IVA, but once it is complete, you can begin rebuilding your credit profile. This includes paying bills on time, registering on the electoral roll, and managing credit responsibly. Many people find that an IVA gives them a fresh start and the opportunity to improve their credit score over time.
Acceptance depends on your individual circumstances, such as your level of debt, income, and ability to make regular payments. Generally, if you owe more than £6,000 to two or more creditors and have a stable income, you may qualify. Our advisors can quickly assess your situation and let you know your chances of approval.
Yes, you may still qualify for an IVA if you have a mortgage. Your mortgage payments will remain a priority, and the IVA will cover your unsecured debts such as credit cards, loans, and overdrafts. In some cases, you may be asked to release equity from your property towards the end of your IVA, but this will always be explained clearly before you begin.
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