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i England, Wales and Northern Ireland only

How an IVA affects me

IVA register. Who knows about my individual voluntary arrangement?

If you enter into an individual voluntary arrangement (IVA), the details will be recorded on the Insolvency Register. The Insolvency Register contains information about all current individual voluntary arrangements.

It also holds information about current bankruptcies and debt relief orders, including any that have been discharged within the last three months.

The details about your IVA will stay on the register for three months after the IVA has been completed or terminated.

IVAs are arranged by StepChange Voluntary Arrangements, part of StepChange Debt Charity.

Considering an IVA?

IVAs are available in England, Wales and Northern Ireland. They aren't available if you live in Scotland. In Scotland, a protected trust deed is a similar solution, but has different benefits, risks and fees associated with it.

mum at the table with bills

Thinking about going ahead with an IVA?

We're here to help. Free, online debt advice available now.

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What is the Individual Insolvency Register?

The Individual Insolvency Register is available to search online for free. Although anyone can access the register, it’s unlikely that anyone except your creditors will search it.

What information will appear on the register?

If you enter into an IVA, the following personal information will appear on the Individual Insolvency Register:

  • 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 provide information on all aspects of IVAs, including the Insolvency Register, and will give you free, confidential debt help.

If you’re considering an IVA, it’s important to get free and impartial debt advice first. Our online debt advice tool can assess your situation and identify the best way for you to get out of debt based on your individual circumstances.

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