I live in Scotland, do I qualify for an IVA?

Individual Voluntary Arrangements (IVAs) are only part of legislation in England, Wales and Northern Ireland. If you are a Scottish Resident then please see our Trust Deeds section, as this is the Scottish IVA equivalent.

Although residents of Scotland do not qualify for an Individual Voluntary Arrangement, a Protected Trust Deed (PTD) shares some similar benefits to an IVA. Like an IVA, a PTD is a legally binding contract between you and your creditors and, on completion of the Trust Deed, your unaffordable debt will be written off. The average repayment term for a PTD is 36 months.

Although we specialist in Individual Voluntary Arrangements, we can still help you through the Trust Deed process and see if your circumstances are suitable for this agreement. To find out more about PTDs, call free today on 0800 048 1766.



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