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i England, Wales and Northern Ireland. We do not charge you for advice, but you make payments to your insolvency practitioner once your IVA is in progress.

How an IVA affects me

IVA register. Who knows about my individual voluntary arrangement?

Details of all individual voluntary arrangements (IVAs) are recorded on the Insolvency Register. They stay on it throughout the IVA and for three months after it ends.

This register has information on all:


  • Current individual voluntary arrangements
  • Current bankruptcies
  • Debt relief orders
  • Including any that have been discharged in the last three month

IVAs are arranged by StepChange Voluntary Arrangements, part of StepChange Debt Charity. In Scotland, a protected trust deed is a similar solution. This has different benefits, risks and fees.

Looking at an IVA?

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Thinking about an IVA?

We can help. Free, online debt advice available now.

Get debt help

What is the Individual Insolvency Register?

The Individual Insolvency Register is public.


  • It can be searched online for free, but
  • It is rare for anyone but creditors to search it

What information goes on the register?

The Individual Insolvency Register will show personal details during your IVA. These include:

  • Your name
  • Your last known address
  • Your date of birth
  • Your gender
  • The date the IVA was approved

Clare Lindley and James O'Carroll of StepChange Voluntary Arrangements are licensed to act as insolvency practitioners in the UK by the Insolvency Practitioners Association.

IVA information and advice

As the UK’s leading debt help charity, we can:


  • Give information on IVAs
  • Help with all aspects of IVAs, including the Insolvency Register
  • Give free, confidential debt help

It is important to get free and impartial debt advice before getting an IVA.

Use our online debt advice tool to find out if this is really the best option for you.

StepChange Voluntary Arrangements is a registered trading name of Consumer Credit Counselling Service Voluntary Arrangements Limited, a wholly owned subsidiary of StepChange Debt Charity.