IVAs can be hugely helpful in relieving sole trader and individual debt, but what kind of debts can be included?

An IVA can include, but is not limited to:

  • Card-related debts.
  • Debts to HMRC.
  • Loan-related debts.
  • Utility bills.

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    "Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."

    star_rate star_rate star_rate star_rate star_rate

    "Professional and Helpful Practitioner From the very start of the IVA process to completion, Wilson Field have been extremely professional but also understanding and informative. My practitioner Yvonne has been helpful and responsive to any questions along the way and sympathetic to the stress that comes with this type of situation. I would recommend the company if you are requiring the services of an IVA practitioner. They make sure everything is in order and try to make the process as easy as possible."

    star_rate star_rate star_rate star_rate star_rate

    "IVA Concise and excellent advice and service through the whole arrangement."

    star_rate star_rate star_rate star_rate star_rate

    "Looked after our IVA for 6 years which we recently completed. Helped us when we struggled sometimes throughout the IVA period to make payments and generally was very professional and easy to deal with."

    What debts can be included in an IVA?

    An IVA is one of the most popular options for individuals and sole traders struggling with debt. However, there may be circumstances where it isn’t the best solution. Before deciding to apply, the debtor should consider the type of debt they’re struggling with and whether those debts can be included in an IVA.

    What is an IVA?

    IVA stands for Individual Voluntary Arrangement (IVA). They are formal repayment arrangements designed for indebted individuals and sole traders struggling to repay their unsecured debts. All debts included in an IVA are consolidated into one monthly payment tailored to what the debtor can afford. Creditor pressure is suspended for the arrangement’s duration, which generally lasts five years. Once concluded, any remaining unpaid debt is written off.

    More about Individual Voluntary Arrangements

    What debts can be included in an IVA?

    When considering whether an IVA is the right solution for you, you should consider the types of debts you have before applying for an IVA.

    An IVA can include, but is not limited to the following debts:

    • Credit card and store card debts.
    • Debts to HMRC (National Insurance, income tax etc.).
    • Penalty Charge Notices (PCNs) and council issued fines.
    • Personal loans and payday loan debts.
    • Utility bill arrears (gas, electric, water etc.).
    What debts can be included in an IVA?

    What debts cannot be included in an IVA?

    While an IVA can be helpful in many circumstances, there may be times where it isn’t the best solution.

    An IVA cannot include, but is not limited to the following debts:

    • Child support and social fund arrears.
    • Fines from Magistrates Courts, Fixed Penalty Notices and fines related to criminal offences.
    • Mortgage arrears.
    • Secured debts.
    • Student loans.
    • TV licences.
    When considering an IVA, it is important to consider all personal debt solutions. We can help you assess these options.

    How we can help

    We have a highly experienced team who can advise you on the best option based on your circumstances. Whether an IVA would be a viable solution t, or if you require an alternative arrangement, speak to us.

    1. Speak to our initial advisors by phone or online chat.
    2. Our initial advisors will assess your situation and see if an IVA is viable.

    Other debt relief options may be available if an IVA is not suitable for your circumstances:

    • Time to Pay Arrangements
      Time to Pay Arrangements (TTPs) are designed for viable companies and individuals facing cash flow problems thanks to debts primarily to HMRC. They are informal arrangements that usually last between six and 12 months and involve monthly repayments for the duration. You’ll need to submit a proposal to HMRC, proving that you can afford the repayments. We have established an established relationship with HMRC, putting us in a strong position to negotiate an arrangement.
      More information on Time to Pay Arrangements
    • Refinancing
      While not a traditional debt relief option, you may own business assets like equipment or vehicles that may hold value as a sole trader. Refinancing these assets could inject some much-needed cash into the business. The same could apply if there is value in your home, and you could increase your mortgage repayments.
      Pumping cash into a consistently loss-making business won’t help in the long term. Be sure that your business is viable, and you have a way of relieving your personal debts in a timely manner.
      More finance options

    In summary

    Individual Voluntary Arrangements (IVAs) can be extremely helpful for sole traders and individuals struggling with unaffordable debts. They include most unsecured debts; however, there are types of debt that can’t be included. If a large portion of your debts can’t be included, there are alternative options you can explore. Speak to us to find the ideal solution for your circumstances.

    FAQs

    What is the difference between an IVA and bankruptcy?

    Bankruptcy is another option if you’re unable to repay your debts. If your debts don’t justify an IVA or you cannot repay them, you can apply to go bankrupt. Where an IVA involves repaying your debts in affordable monthly instalments, bankruptcy writes them off. It can be a useful option for those without high-value assets such as vehicles or property, and often, the process lasts only a year.

    More comparisons between an IVA and bankruptcy
    Our IVA FAQ page

    Beverley Horton Christopher Callaghan Stephen Hall

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      240 reviews

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      SimonY-18

      star_rate star_rate star_rate star_rate star_rate

      "IVA Concise and excellent advice and service through the whole arrangement."

      TracyH-468

      star_rate star_rate star_rate star_rate star_rate

      "Professional and Helpful Practitioner From the very start of the IVA process to completion, Wilson Field have been extremely professional but also understanding and informative. My practitioner Yvonne has been helpful and responsive to any questions along the way and sympathetic to the stress that comes with this type of situation. I would recommend the company if you are requiring the services of an IVA practitioner. They make sure everything is in order and try to make the process as easy as possible."

      Jon Morgan

      star_rate star_rate star_rate star_rate star_rate

      "I was forced to enter into an IVA and very pleased to have been advised to contact Wilson Field who from the start was totally professional and gained 100% acceptance of the Proposal by the Creditors. During the worst part of the Pandemic W/F were totally supportive of requesting a Holiday Break as they took the time to understand my Business and the state of the Market place. Entering into any formal Debt arrangement, regardless if your not to blame can be very painful but everyone at W/F offered their total support. I would be happy to suggest anyone who finds themselves needing professional support to contact Wilson Field who will support you and find the best solution for you if you are medium size company or a single person."

      Steven Meredith

      star_rate star_rate star_rate star_rate star_rate

      "Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."

      Cathal Greene

      star_rate star_rate star_rate star_rate star_rate

      "Thank You Emma and the Wilson Field Team. I would Just like to thank Emma and all the Wilson Field Team for their Support and Guidance through out My IVA and helping me Complete it. I couldn't Recommend them enough for anyone considering an IVA"

      SimonY-18

      star_rate star_rate star_rate star_rate star_rate

      "IVA Concise and excellent advice and service through the whole arrangement."

      TracyH-468

      star_rate star_rate star_rate star_rate star_rate

      "Professional and Helpful Practitioner From the very start of the IVA process to completion, Wilson Field have been extremely professional but also understanding and informative. My practitioner Yvonne has been helpful and responsive to any questions along the way and sympathetic to the stress that comes with this type of situation. I would recommend the company if you are requiring the services of an IVA practitioner. They make sure everything is in order and try to make the process as easy as possible."

      Jon Morgan

      star_rate star_rate star_rate star_rate star_rate

      "I was forced to enter into an IVA and very pleased to have been advised to contact Wilson Field who from the start was totally professional and gained 100% acceptance of the Proposal by the Creditors. During the worst part of the Pandemic W/F were totally supportive of requesting a Holiday Break as they took the time to understand my Business and the state of the Market place. Entering into any formal Debt arrangement, regardless if your not to blame can be very painful but everyone at W/F offered their total support. I would be happy to suggest anyone who finds themselves needing professional support to contact Wilson Field who will support you and find the best solution for you if you are medium size company or a single person."

      Steven Meredith

      star_rate star_rate star_rate star_rate star_rate

      "Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."

      Cathal Greene

      star_rate star_rate star_rate star_rate star_rate

      "Thank You Emma and the Wilson Field Team. I would Just like to thank Emma and all the Wilson Field Team for their Support and Guidance through out My IVA and helping me Complete it. I couldn't Recommend them enough for anyone considering an IVA"

      SimonY-18

      star_rate star_rate star_rate star_rate star_rate

      "IVA Concise and excellent advice and service through the whole arrangement."

      TracyH-468

      star_rate star_rate star_rate star_rate star_rate

      "Professional and Helpful Practitioner From the very start of the IVA process to completion, Wilson Field have been extremely professional but also understanding and informative. My practitioner Yvonne has been helpful and responsive to any questions along the way and sympathetic to the stress that comes with this type of situation. I would recommend the company if you are requiring the services of an IVA practitioner. They make sure everything is in order and try to make the process as easy as possible."

      Jon Morgan

      star_rate star_rate star_rate star_rate star_rate

      "I was forced to enter into an IVA and very pleased to have been advised to contact Wilson Field who from the start was totally professional and gained 100% acceptance of the Proposal by the Creditors. During the worst part of the Pandemic W/F were totally supportive of requesting a Holiday Break as they took the time to understand my Business and the state of the Market place. Entering into any formal Debt arrangement, regardless if your not to blame can be very painful but everyone at W/F offered their total support. I would be happy to suggest anyone who finds themselves needing professional support to contact Wilson Field who will support you and find the best solution for you if you are medium size company or a single person."

      Steven Meredith

      star_rate star_rate star_rate star_rate star_rate

      "Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."

      Cathal Greene

      star_rate star_rate star_rate star_rate star_rate

      "Thank You Emma and the Wilson Field Team. I would Just like to thank Emma and all the Wilson Field Team for their Support and Guidance through out My IVA and helping me Complete it. I couldn't Recommend them enough for anyone considering an IVA"

      SimonY-18

      star_rate star_rate star_rate star_rate star_rate

      "IVA Concise and excellent advice and service through the whole arrangement."

      TracyH-468

      star_rate star_rate star_rate star_rate star_rate

      "Professional and Helpful Practitioner From the very start of the IVA process to completion, Wilson Field have been extremely professional but also understanding and informative. My practitioner Yvonne has been helpful and responsive to any questions along the way and sympathetic to the stress that comes with this type of situation. I would recommend the company if you are requiring the services of an IVA practitioner. They make sure everything is in order and try to make the process as easy as possible."

      Jon Morgan

      star_rate star_rate star_rate star_rate star_rate

      "I was forced to enter into an IVA and very pleased to have been advised to contact Wilson Field who from the start was totally professional and gained 100% acceptance of the Proposal by the Creditors. During the worst part of the Pandemic W/F were totally supportive of requesting a Holiday Break as they took the time to understand my Business and the state of the Market place. Entering into any formal Debt arrangement, regardless if your not to blame can be very painful but everyone at W/F offered their total support. I would be happy to suggest anyone who finds themselves needing professional support to contact Wilson Field who will support you and find the best solution for you if you are medium size company or a single person."

      Steven Meredith

      star_rate star_rate star_rate star_rate star_rate

      "Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."

      Cathal Greene

      star_rate star_rate star_rate star_rate star_rate

      "Thank You Emma and the Wilson Field Team. I would Just like to thank Emma and all the Wilson Field Team for their Support and Guidance through out My IVA and helping me Complete it. I couldn't Recommend them enough for anyone considering an IVA"

      SimonY-18

      star_rate star_rate star_rate star_rate star_rate

      "IVA Concise and excellent advice and service through the whole arrangement."

      TracyH-468

      star_rate star_rate star_rate star_rate star_rate

      "Professional and Helpful Practitioner From the very start of the IVA process to completion, Wilson Field have been extremely professional but also understanding and informative. My practitioner Yvonne has been helpful and responsive to any questions along the way and sympathetic to the stress that comes with this type of situation. I would recommend the company if you are requiring the services of an IVA practitioner. They make sure everything is in order and try to make the process as easy as possible."

      Jon Morgan

      star_rate star_rate star_rate star_rate star_rate

      "I was forced to enter into an IVA and very pleased to have been advised to contact Wilson Field who from the start was totally professional and gained 100% acceptance of the Proposal by the Creditors. During the worst part of the Pandemic W/F were totally supportive of requesting a Holiday Break as they took the time to understand my Business and the state of the Market place. Entering into any formal Debt arrangement, regardless if your not to blame can be very painful but everyone at W/F offered their total support. I would be happy to suggest anyone who finds themselves needing professional support to contact Wilson Field who will support you and find the best solution for you if you are medium size company or a single person."

      Steven Meredith

      star_rate star_rate star_rate star_rate star_rate

      "Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."

      Cathal Greene

      star_rate star_rate star_rate star_rate star_rate

      "Thank You Emma and the Wilson Field Team. I would Just like to thank Emma and all the Wilson Field Team for their Support and Guidance through out My IVA and helping me Complete it. I couldn't Recommend them enough for anyone considering an IVA"

      SimonY-18

      star_rate star_rate star_rate star_rate star_rate

      "IVA Concise and excellent advice and service through the whole arrangement."

      TracyH-468

      star_rate star_rate star_rate star_rate star_rate

      "Professional and Helpful Practitioner From the very start of the IVA process to completion, Wilson Field have been extremely professional but also understanding and informative. My practitioner Yvonne has been helpful and responsive to any questions along the way and sympathetic to the stress that comes with this type of situation. I would recommend the company if you are requiring the services of an IVA practitioner. They make sure everything is in order and try to make the process as easy as possible."

      Jon Morgan

      star_rate star_rate star_rate star_rate star_rate

      "I was forced to enter into an IVA and very pleased to have been advised to contact Wilson Field who from the start was totally professional and gained 100% acceptance of the Proposal by the Creditors. During the worst part of the Pandemic W/F were totally supportive of requesting a Holiday Break as they took the time to understand my Business and the state of the Market place. Entering into any formal Debt arrangement, regardless if your not to blame can be very painful but everyone at W/F offered their total support. I would be happy to suggest anyone who finds themselves needing professional support to contact Wilson Field who will support you and find the best solution for you if you are medium size company or a single person."

      Steven Meredith

      star_rate star_rate star_rate star_rate star_rate

      "Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."

      Cathal Greene

      star_rate star_rate star_rate star_rate star_rate

      "Thank You Emma and the Wilson Field Team. I would Just like to thank Emma and all the Wilson Field Team for their Support and Guidance through out My IVA and helping me Complete it. I couldn't Recommend them enough for anyone considering an IVA"

      SimonY-18

      star_rate star_rate star_rate star_rate star_rate

      "IVA Concise and excellent advice and service through the whole arrangement."

      TracyH-468

      star_rate star_rate star_rate star_rate star_rate

      "Professional and Helpful Practitioner From the very start of the IVA process to completion, Wilson Field have been extremely professional but also understanding and informative. My practitioner Yvonne has been helpful and responsive to any questions along the way and sympathetic to the stress that comes with this type of situation. I would recommend the company if you are requiring the services of an IVA practitioner. They make sure everything is in order and try to make the process as easy as possible."

      Jon Morgan

      star_rate star_rate star_rate star_rate star_rate

      "I was forced to enter into an IVA and very pleased to have been advised to contact Wilson Field who from the start was totally professional and gained 100% acceptance of the Proposal by the Creditors. During the worst part of the Pandemic W/F were totally supportive of requesting a Holiday Break as they took the time to understand my Business and the state of the Market place. Entering into any formal Debt arrangement, regardless if your not to blame can be very painful but everyone at W/F offered their total support. I would be happy to suggest anyone who finds themselves needing professional support to contact Wilson Field who will support you and find the best solution for you if you are medium size company or a single person."

      Steven Meredith

      star_rate star_rate star_rate star_rate star_rate

      "Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."

      Cathal Greene

      star_rate star_rate star_rate star_rate star_rate

      "Thank You Emma and the Wilson Field Team. I would Just like to thank Emma and all the Wilson Field Team for their Support and Guidance through out My IVA and helping me Complete it. I couldn't Recommend them enough for anyone considering an IVA"

      SimonY-18

      star_rate star_rate star_rate star_rate star_rate

      "IVA Concise and excellent advice and service through the whole arrangement."

      TracyH-468

      star_rate star_rate star_rate star_rate star_rate

      "Professional and Helpful Practitioner From the very start of the IVA process to completion, Wilson Field have been extremely professional but also understanding and informative. My practitioner Yvonne has been helpful and responsive to any questions along the way and sympathetic to the stress that comes with this type of situation. I would recommend the company if you are requiring the services of an IVA practitioner. They make sure everything is in order and try to make the process as easy as possible."

      Jon Morgan

      star_rate star_rate star_rate star_rate star_rate

      "I was forced to enter into an IVA and very pleased to have been advised to contact Wilson Field who from the start was totally professional and gained 100% acceptance of the Proposal by the Creditors. During the worst part of the Pandemic W/F were totally supportive of requesting a Holiday Break as they took the time to understand my Business and the state of the Market place. Entering into any formal Debt arrangement, regardless if your not to blame can be very painful but everyone at W/F offered their total support. I would be happy to suggest anyone who finds themselves needing professional support to contact Wilson Field who will support you and find the best solution for you if you are medium size company or a single person."

      Steven Meredith

      star_rate star_rate star_rate star_rate star_rate

      "Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."

      Cathal Greene

      star_rate star_rate star_rate star_rate star_rate

      "Thank You Emma and the Wilson Field Team. I would Just like to thank Emma and all the Wilson Field Team for their Support and Guidance through out My IVA and helping me Complete it. I couldn't Recommend them enough for anyone considering an IVA"

      SimonY-18

      star_rate star_rate star_rate star_rate star_rate

      "IVA Concise and excellent advice and service through the whole arrangement."

      TracyH-468

      star_rate star_rate star_rate star_rate star_rate

      "Professional and Helpful Practitioner From the very start of the IVA process to completion, Wilson Field have been extremely professional but also understanding and informative. My practitioner Yvonne has been helpful and responsive to any questions along the way and sympathetic to the stress that comes with this type of situation. I would recommend the company if you are requiring the services of an IVA practitioner. They make sure everything is in order and try to make the process as easy as possible."

      Jon Morgan

      star_rate star_rate star_rate star_rate star_rate

      "I was forced to enter into an IVA and very pleased to have been advised to contact Wilson Field who from the start was totally professional and gained 100% acceptance of the Proposal by the Creditors. During the worst part of the Pandemic W/F were totally supportive of requesting a Holiday Break as they took the time to understand my Business and the state of the Market place. Entering into any formal Debt arrangement, regardless if your not to blame can be very painful but everyone at W/F offered their total support. I would be happy to suggest anyone who finds themselves needing professional support to contact Wilson Field who will support you and find the best solution for you if you are medium size company or a single person."

      Steven Meredith

      star_rate star_rate star_rate star_rate star_rate

      "Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."

      Cathal Greene

      star_rate star_rate star_rate star_rate star_rate

      "Thank You Emma and the Wilson Field Team. I would Just like to thank Emma and all the Wilson Field Team for their Support and Guidance through out My IVA and helping me Complete it. I couldn't Recommend them enough for anyone considering an IVA"

      SimonY-18

      star_rate star_rate star_rate star_rate star_rate

      "IVA Concise and excellent advice and service through the whole arrangement."

      TracyH-468

      star_rate star_rate star_rate star_rate star_rate

      "Professional and Helpful Practitioner From the very start of the IVA process to completion, Wilson Field have been extremely professional but also understanding and informative. My practitioner Yvonne has been helpful and responsive to any questions along the way and sympathetic to the stress that comes with this type of situation. I would recommend the company if you are requiring the services of an IVA practitioner. They make sure everything is in order and try to make the process as easy as possible."

      Jon Morgan

      star_rate star_rate star_rate star_rate star_rate

      "I was forced to enter into an IVA and very pleased to have been advised to contact Wilson Field who from the start was totally professional and gained 100% acceptance of the Proposal by the Creditors. During the worst part of the Pandemic W/F were totally supportive of requesting a Holiday Break as they took the time to understand my Business and the state of the Market place. Entering into any formal Debt arrangement, regardless if your not to blame can be very painful but everyone at W/F offered their total support. I would be happy to suggest anyone who finds themselves needing professional support to contact Wilson Field who will support you and find the best solution for you if you are medium size company or a single person."

      Steven Meredith

      star_rate star_rate star_rate star_rate star_rate

      "Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."

      Cathal Greene

      star_rate star_rate star_rate star_rate star_rate

      "Thank You Emma and the Wilson Field Team. I would Just like to thank Emma and all the Wilson Field Team for their Support and Guidance through out My IVA and helping me Complete it. I couldn't Recommend them enough for anyone considering an IVA"

      SimonY-18

      star_rate star_rate star_rate star_rate star_rate

      "IVA Concise and excellent advice and service through the whole arrangement."

      TracyH-468

      star_rate star_rate star_rate star_rate star_rate

      "Professional and Helpful Practitioner From the very start of the IVA process to completion, Wilson Field have been extremely professional but also understanding and informative. My practitioner Yvonne has been helpful and responsive to any questions along the way and sympathetic to the stress that comes with this type of situation. I would recommend the company if you are requiring the services of an IVA practitioner. They make sure everything is in order and try to make the process as easy as possible."

      Jon Morgan

      star_rate star_rate star_rate star_rate star_rate

      "I was forced to enter into an IVA and very pleased to have been advised to contact Wilson Field who from the start was totally professional and gained 100% acceptance of the Proposal by the Creditors. During the worst part of the Pandemic W/F were totally supportive of requesting a Holiday Break as they took the time to understand my Business and the state of the Market place. Entering into any formal Debt arrangement, regardless if your not to blame can be very painful but everyone at W/F offered their total support. I would be happy to suggest anyone who finds themselves needing professional support to contact Wilson Field who will support you and find the best solution for you if you are medium size company or a single person."

      Steven Meredith

      star_rate star_rate star_rate star_rate star_rate

      "Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."

      Cathal Greene

      star_rate star_rate star_rate star_rate star_rate

      "Thank You Emma and the Wilson Field Team. I would Just like to thank Emma and all the Wilson Field Team for their Support and Guidance through out My IVA and helping me Complete it. I couldn't Recommend them enough for anyone considering an IVA"

      SimonY-18

      star_rate star_rate star_rate star_rate star_rate

      "IVA Concise and excellent advice and service through the whole arrangement."

      TracyH-468

      star_rate star_rate star_rate star_rate star_rate

      "Professional and Helpful Practitioner From the very start of the IVA process to completion, Wilson Field have been extremely professional but also understanding and informative. My practitioner Yvonne has been helpful and responsive to any questions along the way and sympathetic to the stress that comes with this type of situation. I would recommend the company if you are requiring the services of an IVA practitioner. They make sure everything is in order and try to make the process as easy as possible."

      Jon Morgan

      star_rate star_rate star_rate star_rate star_rate

      "I was forced to enter into an IVA and very pleased to have been advised to contact Wilson Field who from the start was totally professional and gained 100% acceptance of the Proposal by the Creditors. During the worst part of the Pandemic W/F were totally supportive of requesting a Holiday Break as they took the time to understand my Business and the state of the Market place. Entering into any formal Debt arrangement, regardless if your not to blame can be very painful but everyone at W/F offered their total support. I would be happy to suggest anyone who finds themselves needing professional support to contact Wilson Field who will support you and find the best solution for you if you are medium size company or a single person."

      Steven Meredith

      star_rate star_rate star_rate star_rate star_rate

      "Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."

      Cathal Greene

      star_rate star_rate star_rate star_rate star_rate

      "Thank You Emma and the Wilson Field Team. I would Just like to thank Emma and all the Wilson Field Team for their Support and Guidance through out My IVA and helping me Complete it. I couldn't Recommend them enough for anyone considering an IVA"

      SimonY-18

      star_rate star_rate star_rate star_rate star_rate

      "IVA Concise and excellent advice and service through the whole arrangement."

      TracyH-468

      star_rate star_rate star_rate star_rate star_rate

      "Professional and Helpful Practitioner From the very start of the IVA process to completion, Wilson Field have been extremely professional but also understanding and informative. My practitioner Yvonne has been helpful and responsive to any questions along the way and sympathetic to the stress that comes with this type of situation. I would recommend the company if you are requiring the services of an IVA practitioner. They make sure everything is in order and try to make the process as easy as possible."

      Jon Morgan

      star_rate star_rate star_rate star_rate star_rate

      "I was forced to enter into an IVA and very pleased to have been advised to contact Wilson Field who from the start was totally professional and gained 100% acceptance of the Proposal by the Creditors. During the worst part of the Pandemic W/F were totally supportive of requesting a Holiday Break as they took the time to understand my Business and the state of the Market place. Entering into any formal Debt arrangement, regardless if your not to blame can be very painful but everyone at W/F offered their total support. I would be happy to suggest anyone who finds themselves needing professional support to contact Wilson Field who will support you and find the best solution for you if you are medium size company or a single person."

      Steven Meredith

      star_rate star_rate star_rate star_rate star_rate

      "Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."

      Cathal Greene

      star_rate star_rate star_rate star_rate star_rate

      "Thank You Emma and the Wilson Field Team. I would Just like to thank Emma and all the Wilson Field Team for their Support and Guidance through out My IVA and helping me Complete it. I couldn't Recommend them enough for anyone considering an IVA"

      SimonY-18

      star_rate star_rate star_rate star_rate star_rate

      "IVA Concise and excellent advice and service through the whole arrangement."

      TracyH-468

      star_rate star_rate star_rate star_rate star_rate

      "Professional and Helpful Practitioner From the very start of the IVA process to completion, Wilson Field have been extremely professional but also understanding and informative. My practitioner Yvonne has been helpful and responsive to any questions along the way and sympathetic to the stress that comes with this type of situation. I would recommend the company if you are requiring the services of an IVA practitioner. They make sure everything is in order and try to make the process as easy as possible."

      Jon Morgan

      star_rate star_rate star_rate star_rate star_rate

      "I was forced to enter into an IVA and very pleased to have been advised to contact Wilson Field who from the start was totally professional and gained 100% acceptance of the Proposal by the Creditors. During the worst part of the Pandemic W/F were totally supportive of requesting a Holiday Break as they took the time to understand my Business and the state of the Market place. Entering into any formal Debt arrangement, regardless if your not to blame can be very painful but everyone at W/F offered their total support. I would be happy to suggest anyone who finds themselves needing professional support to contact Wilson Field who will support you and find the best solution for you if you are medium size company or a single person."

      Steven Meredith

      star_rate star_rate star_rate star_rate star_rate

      "Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."

      Cathal Greene

      star_rate star_rate star_rate star_rate star_rate

      "Thank You Emma and the Wilson Field Team. I would Just like to thank Emma and all the Wilson Field Team for their Support and Guidance through out My IVA and helping me Complete it. I couldn't Recommend them enough for anyone considering an IVA"

      SimonY-18

      star_rate star_rate star_rate star_rate star_rate

      "IVA Concise and excellent advice and service through the whole arrangement."

      TracyH-468

      star_rate star_rate star_rate star_rate star_rate

      "Professional and Helpful Practitioner From the very start of the IVA process to completion, Wilson Field have been extremely professional but also understanding and informative. My practitioner Yvonne has been helpful and responsive to any questions along the way and sympathetic to the stress that comes with this type of situation. I would recommend the company if you are requiring the services of an IVA practitioner. They make sure everything is in order and try to make the process as easy as possible."

      Jon Morgan

      star_rate star_rate star_rate star_rate star_rate

      "I was forced to enter into an IVA and very pleased to have been advised to contact Wilson Field who from the start was totally professional and gained 100% acceptance of the Proposal by the Creditors. During the worst part of the Pandemic W/F were totally supportive of requesting a Holiday Break as they took the time to understand my Business and the state of the Market place. Entering into any formal Debt arrangement, regardless if your not to blame can be very painful but everyone at W/F offered their total support. I would be happy to suggest anyone who finds themselves needing professional support to contact Wilson Field who will support you and find the best solution for you if you are medium size company or a single person."

      Steven Meredith

      star_rate star_rate star_rate star_rate star_rate

      "Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."

      Cathal Greene

      star_rate star_rate star_rate star_rate star_rate

      "Thank You Emma and the Wilson Field Team. I would Just like to thank Emma and all the Wilson Field Team for their Support and Guidance through out My IVA and helping me Complete it. I couldn't Recommend them enough for anyone considering an IVA"

      SimonY-18

      star_rate star_rate star_rate star_rate star_rate

      "IVA Concise and excellent advice and service through the whole arrangement."

      TracyH-468

      star_rate star_rate star_rate star_rate star_rate

      "Professional and Helpful Practitioner From the very start of the IVA process to completion, Wilson Field have been extremely professional but also understanding and informative. My practitioner Yvonne has been helpful and responsive to any questions along the way and sympathetic to the stress that comes with this type of situation. I would recommend the company if you are requiring the services of an IVA practitioner. They make sure everything is in order and try to make the process as easy as possible."

      Jon Morgan

      star_rate star_rate star_rate star_rate star_rate

      "I was forced to enter into an IVA and very pleased to have been advised to contact Wilson Field who from the start was totally professional and gained 100% acceptance of the Proposal by the Creditors. During the worst part of the Pandemic W/F were totally supportive of requesting a Holiday Break as they took the time to understand my Business and the state of the Market place. Entering into any formal Debt arrangement, regardless if your not to blame can be very painful but everyone at W/F offered their total support. I would be happy to suggest anyone who finds themselves needing professional support to contact Wilson Field who will support you and find the best solution for you if you are medium size company or a single person."

      Steven Meredith

      star_rate star_rate star_rate star_rate star_rate

      "Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."

      Cathal Greene

      star_rate star_rate star_rate star_rate star_rate

      "Thank You Emma and the Wilson Field Team. I would Just like to thank Emma and all the Wilson Field Team for their Support and Guidance through out My IVA and helping me Complete it. I couldn't Recommend them enough for anyone considering an IVA"

      SimonY-18

      star_rate star_rate star_rate star_rate star_rate

      "IVA Concise and excellent advice and service through the whole arrangement."

      TracyH-468

      star_rate star_rate star_rate star_rate star_rate

      "Professional and Helpful Practitioner From the very start of the IVA process to completion, Wilson Field have been extremely professional but also understanding and informative. My practitioner Yvonne has been helpful and responsive to any questions along the way and sympathetic to the stress that comes with this type of situation. I would recommend the company if you are requiring the services of an IVA practitioner. They make sure everything is in order and try to make the process as easy as possible."

      Jon Morgan

      star_rate star_rate star_rate star_rate star_rate

      "I was forced to enter into an IVA and very pleased to have been advised to contact Wilson Field who from the start was totally professional and gained 100% acceptance of the Proposal by the Creditors. During the worst part of the Pandemic W/F were totally supportive of requesting a Holiday Break as they took the time to understand my Business and the state of the Market place. Entering into any formal Debt arrangement, regardless if your not to blame can be very painful but everyone at W/F offered their total support. I would be happy to suggest anyone who finds themselves needing professional support to contact Wilson Field who will support you and find the best solution for you if you are medium size company or a single person."

      Steven Meredith

      star_rate star_rate star_rate star_rate star_rate

      "Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."

      Cathal Greene

      star_rate star_rate star_rate star_rate star_rate

      "Thank You Emma and the Wilson Field Team. I would Just like to thank Emma and all the Wilson Field Team for their Support and Guidance through out My IVA and helping me Complete it. I couldn't Recommend them enough for anyone considering an IVA"

      SimonY-18

      star_rate star_rate star_rate star_rate star_rate

      "IVA Concise and excellent advice and service through the whole arrangement."

      TracyH-468

      star_rate star_rate star_rate star_rate star_rate

      "Professional and Helpful Practitioner From the very start of the IVA process to completion, Wilson Field have been extremely professional but also understanding and informative. My practitioner Yvonne has been helpful and responsive to any questions along the way and sympathetic to the stress that comes with this type of situation. I would recommend the company if you are requiring the services of an IVA practitioner. They make sure everything is in order and try to make the process as easy as possible."

      Jon Morgan

      star_rate star_rate star_rate star_rate star_rate

      "I was forced to enter into an IVA and very pleased to have been advised to contact Wilson Field who from the start was totally professional and gained 100% acceptance of the Proposal by the Creditors. During the worst part of the Pandemic W/F were totally supportive of requesting a Holiday Break as they took the time to understand my Business and the state of the Market place. Entering into any formal Debt arrangement, regardless if your not to blame can be very painful but everyone at W/F offered their total support. I would be happy to suggest anyone who finds themselves needing professional support to contact Wilson Field who will support you and find the best solution for you if you are medium size company or a single person."

      Steven Meredith

      star_rate star_rate star_rate star_rate star_rate

      "Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."

      Cathal Greene

      star_rate star_rate star_rate star_rate star_rate

      "Thank You Emma and the Wilson Field Team. I would Just like to thank Emma and all the Wilson Field Team for their Support and Guidance through out My IVA and helping me Complete it. I couldn't Recommend them enough for anyone considering an IVA"

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      Beverley Horton Christopher Callaghan Stephen Hall

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