With thousands of people struggling with their debts in the UK, the IVA Guide has been launched to ensure people get the confidential and impartial advice they need when they need it. An IVA can help you get out of debt and pave the way to a happier debt-free future for you and your family. Our free IVA calculator is completely confidential, and if you qualify for IVA help, we can hold your hand through every step of the IVA process. If you are struggling with unaffordable debts then an Individual Voluntary Arrangement may be a solution to your problems. An IVA allows you to only pay what you can afford to your unsecured debts each month. All interest and charges will be frozen to 0% and creditors will be prohibited from demanding additional payments.