Use our IVA Calculator and start getting your finances and mental health back on track

Write off unaffordable debts and get mental
well-being assistance with our IVA plans.

*An IVA may not be suitable in all circumstances. Fees may apply.
Your credit rating may be affected if you opt for a debt solution.

Rated Excellent

100% FREE ADVICE

Get information today on your available options

Check If an IVA Could Reduce Your Debt

A simple eligibility check shows what support you can access today. The assessment is free and confidential.
You may be able to:

Make one affordable monthly payment
Freeze interest and charges
Stop creditor contact and bailiff action
Reduce a portion of unsecured debt
Access free well-being support during your IVA

What Debts Can be Included in an IVA?

Most debts that are not secured to an asset can be included in an IVA.

This includes:

Credit Cards
Personal Loans
Catalogues
Payday Loans
Overdrafts
Council Tax Arrears
HMRC debts (including income tax)
Previous rent arrears (not current address)
Mortgage Shortfalls (if no longer in possession of the home

Debts that cannot be included:

If you are unsure if a debt can be included in your IVA, our advisors will be more than happy to help.

What To Expect After You Apply

Step 1
A debt adviser reviews your details and checks whether an IVA could fit your circumstances.

Step 2
You receive a simple explanation of the options available, including how an IVA might work for you.

Step 3
You choose how you want to move forward. There is no obligation to proceed.

Find out for FREE what debt help is available to you

Reasons to choose PennyPlan

About PennyPlan

PennyPlan and it’s trusted experts have over a decade of experience
assisting customers on the way out of debt.

We know how daunting it can be taking the first steps in tackling debt. Our friendly team are here to help and assist in any way possible.

We understand the assumptions you may have when seeking debt help. Our team will make sure you have at least one option to tackle your debt.

We help with most debts

*Mortgage debt can be included if you no longer own the property in question.

Why PennyPlan

We believe on making information on debt solutions a more simple process.
Our aim is to empower you with the information you need to make the right financial choice for you and your family
Our Team will provide you with the knowledge you need on the debt help available to you for a debt free future