Being insolvent means that you can no longer afford to repay your debts.
Prior to Individual Voluntary Arrangement legislation being introduced, the only solution for insolvent individuals was bankruptcy. But this has all changed, and an IVA is a viable alternative as it has less negative implications and is a more private procedure.
You should always explore your other debt solutions before you declare yourself bankrupt. If you need further information about which debt solution is right for you, please call one of the Individual Voluntary Arrangement team for advice on 0800 048 1766.