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Formal debt solution
An Individual Voluntary Arrangement, commonly known as an IVA, is an agreement between you and your creditors to help you pay off your debts at an affordable rate.
It is a formal, legal debt solution that agrees a repayment plan over a set period, condensing multiple unsecured debts into one monthly payment. At the end of the IVA the remaining debts are written off.
This is usually negotiated by an insolvency practitioner, who deals with your creditors throughout the life of the IVA, freeing you from handling the situation yourself.