What Debts Can I NOT Include in an IVA?

If you have high levels of unaffordable debt, and wish to avoid declaring bankruptcy, then you may be thinking about an IVA (Individual Voluntary Arrangement). It is always advised that you seek professional IVA advice as there are a number of potential debt solutions available, and the right one for you can be dependant on a number of different circumstances.

Sadly, not all debts can be included in an IVA as an IVA can only deal with unsecured debts. Unsecured debts include personal loans, credit cards, overdrafts and store cards.

What Debts Can I NOT Include in an IVA?

Examples of debts which cannot be included in an IVA are:
  • Secured Loan
  • Mortgage
  • Hire Purchase
  • Court Fines
  • Council Tax
  • Student loans, if taken out after September 1998.
If you are unsure about what debts you cannot include in an IVA then it is essential to get professional help. Individual Voluntary Arrangement.co.uk have a dedicated IVA team who can tell you if your debt can be included in an IVA. Call now for IVA advice on 0800 048 1766.


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