We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Calls are free from all major mobile networks.
StepChange Debt Charity logo

Free advice on problem debt
based on what's best for you

Request a call back »
Or call us on 0800 138 1111Mon-Fri 8am-8pm, Sat 8am-4pm
i This solution is only available in England, Wales and Northern Ireland.

High success rate for StepChange Debt Charity IVAs

IVAs remain a good way of dealing with debt problems for many people, thanks to standards of transparency and integrity set by StepChange Debt Charity.

We set up our own IVA company (StepChange Voluntary Arrangements, formerly CCCSVA) in 2007 to make sure that IVAs remain an effective way of helping people out of unmanageable debt.

Our figures show that creditors accepted 98.5 per cent of the IVAs we proposed (source StepChange Debt Charity internal statistics February 2015).

This high success rate demonstrates that StepChange Debt Charity offers only the most appropriate remedies to those who need debt advice.

Will an IVA suit me?

An IVA is a form of insolvency. An IVA is a legally binding arrangement between you and your creditors, where they agree to either a fixed affordable monthly payment over a fixed term (usually five years) or a lump sum settlement.

The proposal is your responsibility and as long as you keep to the arrangement, your unsecured creditors will not chase you for payments or add interest to what you owe.

Before deciding on an individual voluntary arrangement, make sure it’s the best option for you. An IVA should be carefully considered because of the possible consequences for your personal, professional and financial life. There are several things to consider.

Our online Debt Remedy tool will identify the best solution to your debt problem. Alternatively, you can ring our free Helpline on 0800 138 1111.

StepChange IVAs

Helping you become debt free...

"I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me." (Leslie, Essex)

Foundation for Credit Counselling (trading as StepChange Debt Charity) is a company limited by guarantee registered in England and Wales (Company No: 2757055 ) and a charity registered in England and Wales (Registered Charity No: 1016630). Registered office: Wade House, Merrion Centre, Leeds, LS2 8NG. Consumer Credit Counselling Service (Scotland) trading as StepChange Debt Charity Scotland is a company limited by guarantee registered in Scotland (Company No: SC162719) and a charity registered in Scotland (Registered Charity No:SC024413). Registered office: 33 Bothwell Street, Glasgow G2 6NL. Authorised and regulated by the Financial Conduct Authority.

* Major mobile networks include Orange/EE, O2, Vodafone, T-Mobile, Three, Tesco Mobile and Virgin Mobile. Call charges from other networks may vary.