Are you considering an Individual Voluntary Arrangement (IVA)?

Before considering an IVA it is of real importance that you get expert legal advice about whether the companies which claim you owe them money have title to an enforceable claim against you and can prove the value of that claim.

An IVA is a formal insolvency process. It involves a legally binding commitment with a risk of bankruptcy if the terms of the arrangement are not complied with.

IVA providers make profits out of the monies paid into the arrangement and some pay large fees to third parties who ‘sell’ IVAs and introduce customers to them.

This practice creates a risk that people may be ‘sold’ an IVA when it is not the right solution for them.

In our experience, IVA providers do not take the necessary steps to ensure that only companies who can prove the title, value and enforceability of their claim against you are included in an arrangement.

If you are considering an IVA or any other insolvency solution, please talk to us first.

If you are now in an IVA then you have made a legally binding commitment which we are not able to disturb.

However, if you believe your IVA has failed and no bankruptcy proceedings have been taken against you it may well be worth contacting us to see if we can help.

Consumer Law Barristers and Individual Voluntary Arrangements (IVA)

Are you ready to assert your rights?

In situations where you may have been struggling to meet debt repayments and have missed payment deadlines the company with whom you took out the debt will often sell it on to a third party who will then, using a variety of techniques, chase you for the outstanding amounts.

Fight back now

“Freed from over £70,000 of debt in just 1 year! The whole process was easy… CLB gave me the chance to finally be debt free.
A huge relief.” – Angela Kelly

"CLB gave me the chance to finally be debt free. A huge relief.”

“We in debt are vulnerable. Consumer Law Barristers put an end to years of stress and sleepless nights with creditors looming over me.
Excellent and very personal service. Recommend them heartily!” – Raheela Salim

“We in debt are vulnerable. Consumer Law Barristers put an end to years of stress and sleepless nights with creditors looming over me."

“I cannot explain the deep relief you feel when your debt has disappeared.
There are no real words to say thank you when you have been set free.” – Susan Yeo

"There are no real words to say thank you when you have been set free.”

“I’m so glad I found CLB! For 15 years I was struggling in debt management and going nowhere.
Thanks to CLB, I was completely freed from over £250,000 of debt in just one year!” – Luke Thomas

"Thanks to CLB, I was completely freed from over £250,000 of debt in just one year!"

“This changed my life! Consumer Law Barristers sorted all my debts and gave me back my life. I’ll be forever grateful.” – Mrs Thomas

Consumer Law Barristers sorted all my debts and gave me back my life. I’ll be forever grateful.

Get help with all the UK’s biggest creditors

We can help you challenge the claims made by debt collectors, banks and credit card companies