An IVA is only worth having if it protects something.
A home. Real equity. A pension. A business. Keeping an asset you'd otherwise lose is the one thing an IVA does that the free and simpler routes can't — and it's the whole reason to accept the cost, the years, and the mark on your credit file.
So if your IVA isn't protecting anything — the real question is why you're in one.
TRY IT
What is yours protecting?
Tap the one that fits. You'll get a straight answer — no email, no sign-up.
My home, or real equity in it
A car or vehicle I need to keep
A pension or a business
Honestly? Nothing I can think of
Then your IVA may be doing its job.
Protecting your home is exactly what an IVA is for. That doesn't mean it was sold to you fairly, or that you're on the right terms — a free review checks both.
IF IT'S PROTECTING NOTHING, HERE'S WHAT YOU'RE PAYING
The years
Five or six of them
IVAs usually run five to six years. That's a long time to be locked in — especially if a free route would have finished sooner.
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The cost
Every month, for years
You pay monthly for the length of the arrangement. If you never needed an IVA, that's money that never needed to be spent.
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Your credit file
Six years on record
An IVA stays on your credit file for six years. At your age, that can follow you into mortgages, car finance and even some rentals through your twenties.
What a free chat actually does
We look at how your IVA was sold to you, what it's costing you, and whether it's protecting anything worth protecting. Then we set out your options in plain English — including whether a free or simpler route would suit you better.
No jargon. No pressure. No obligation. And if your IVA is genuinely right for you, we'll tell you that too.
Speak For You is an independent advocacy service. We review your case and lay out your options; any regulated action is handled by an authorised partner firm. We're not solicitors — and the first conversation costs you nothing.