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IVAs are available in England, Wales and Northern Ireland.
They are not available in Scotland. In Scotland, a protected trust deed is similar, but has different benefits, risks and fees.
Already have an IVA? Always discuss your situation with your insolvency practitioner first.
There are no set up fees before your IVA is agreed. There are fees once your IVA is in progress. These are:
- Set by your creditors, and
- Included in your monthly repayments