With so many companies to choose from, finding IVA help can be a minefield. How do you know who you can trust to help clear your debt?

For extremely large debts you may never be able to pay off, you may need an option like an IVA or bankruptcy that can actually remove some of your debt.

• Always find a reputable debt company, one that will firstly analyse your financial problems and tell you if an IVA is the best solution for you.
• Debt companies shouldn’t charge you for their advice, nor should you have to pay anything extra for their IVA help.
• Before you seek IVA help, make sure you understand what an Individual Voluntary Arrangement can and can’t do, and if your debt in eligible, by reading our information first.
• Once you contact an IVA company or organisation, don’t be afraid to ask them questions about the implications and get clarification on anything that you’re not sure of.

There are many different companies offering free debt advice, as well as non-profit organisations, and government funded organisations available that can give you advice before you begin. You may also be able to find debt and IVA advice you can trust on your local borough government’s website.