IVA Eligibility Calculator

Check Your IVA Eligibility

Answer the following questions to see if you meet the basic criteria for an Individual Voluntary Arrangement.

Debt Information

Include credit cards, loans, overdrafts, but NOT mortgage or car finance

Income & Employment

Include rent/mortgage, utilities, food, transport, insurance

Assets & Circumstances

IVAs are available in England, Wales, and Northern Ireland. Scotland has Trust Deeds instead.

Important Information

  • This is an indication only - not a guarantee of IVA approval
  • Final eligibility depends on creditor approval and IP assessment
  • Always seek advice from a licensed Insolvency Practitioner
  • This tool does not constitute financial advice

What Happens Next?

If You're Likely Eligible

  1. Research licensed Insolvency Practitioners
  2. Book free consultations with 2-3 IPs
  3. Prepare your financial documents
  4. Read our IVA Process Guide

If You're Not Eligible

Don't worry - other debt solutions may be more suitable:

Free Professional Advice

These organizations offer free, impartial debt advice:

  • StepChange: 0800 138 1111
  • National Debtline: 0808 808 4000
  • Citizens Advice: Visit your local bureau
  • Money Helper: 0800 138 7777