Will an IVA include all of my debts?

An IVA can only include your unsecured debts, such as credit cards, store cards, catalogue, overdrafts and personal loans.

An IVA cannot include any forms of secured debt, such as mortgages or secured debt consolidation loans. Although an IVA cannot include any debts which are secured against an asset, your IVA payments will ensure that you should have enough funds to also meet these repayments.

Remember, that failure to meet your repayment obligations to your secured debts means that creditors can force sale of the asset, e.g. repossession of your home. Therefore you must continue to make payments to these creditors.

For further information about the debts which you can include in your IVA, call our IVA advisors now on 0800 048 1766.



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