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    best option for you at zero cost

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How It Works

What Is An IVA?

An IVA is an agreement that is made with your creditors to pay off your debts over a set period of time and is one option you can use to pay off your debts. It is a formal, legal debt solution. This means it is approved by the court and your creditors have to stick to it.

An IVA is a form of insolvency but it is different from bankruptcy.

What Are The Benefits?

An IVA is often considered to be a great option for many people who find themselves in debt. Here’s why:

  • Have up to 80% of your unsecured debt legally written off
  • Reduce your monthly bill payments
  • Creditors are forced to stop all communication with you
  • Interest and late payment charges are instantly frozen
  • You make just one monthly payment for all of your debts
  • You will be completely debt free in just 60 months

IVA Qualifications

Debts That You Can Be Included

You can include any of the following debts in an IVA:

  • Credit Cards
  • Store Cards
  • Payday Loans
  • Overdrafts
  • Personal Loans
  • Lines Of Credit
  • Business Debt
  • Catalogues

If you owe money to other types of creditors then you can still file an IVA, but you cannot include those debts in your IVA. Click the link below to check if you qualify today.

Do I Qualify For An IVA?

In order to qualify for an IVA you must meet the following criteria:

  • You are £5,000 or more in debt
  • You owe money to two or more creditors
  • You can pay back a minimum of £75 per month
  • You are employed or self employed
  • You are a non home owner
  • You are £5,000 or more in debt
  • You owe money to 2 or more creditors
  • You can pay back at least £75/m
  • You are employed or self employed
  • You are a non home owner

IVA Example


  • Credit Card #1£10,500
  • Credit Card #2£2,000
  • Credit Card #3£5,000
  • Personal Loan£1,500
  • Store Card£4,500
  • Payday Loan£1,500
  • Overdraft£3,000
  • Total Owed£28,000






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    Here at Funeral our sole mission is to bring our customers “Value For Money Without Compromise”. Some of our partners are not on traditional comparison sites, so how can you be sure you are getting all the facts as well as the best price and most importantly making the right choice?

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    Pay’s out upon death, no matter when this happens.

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