What are the advantages and disadvantages of an IVA?
An Individual Voluntary Arrangement (IVA) is an agreement that can be an alternative to personal bankruptcy. A licensed insolvency practitioner (IP) arranges a formal arrangement between you and your creditors, allowing you to repay a portion of your debt without implications as severe as bankruptcy. Before applying, though, you should be aware of the IVA advantages and disadvantages.
An IVA can be an appealing option for those looking to pay off their debts and avoid bankruptcy.
Affordable monthly payments
Your IP will analyse your outgoings and income, and tailor how much you’ll pay each month to your individual circumstances. This arrangement makes it easier to pay back your debts at an affordable rate.
Some asset protection
It’s almost expected that someone going through bankruptcy will have to sell their personal assets such as a car or home. Your personal assets will be considered when applying for an IVA, which protects them more than in a bankruptcy, so you shouldn’t have to sell them to pay off your debts.
An IVA usually lasts five years, and afterwards, any remaining debt is written off as unaffordable. Doing so could reduce the debt you owe by a substantial amount. It takes away the worry of not knowing how you’ll repay your debts because they’re reduced in size to fit your affordability, while also allowing creditors to get some return.
Creditor pressure and interest frozen
Once the IVA comes into force, all interest on the debts is frozen, along with all creditor pressure. Even if a particular creditor didn’t agree to the proposal, if an IVA goes through, it is binding to all parties. The IP will deal with all your creditors after the arrangement comes into force, saving you the stress.
Before you apply for an IVA, you should be aware of the implications of the arrangement and what effect it could have on you and your finances going forward.
Requires creditor approval
For the IVA to go through, it requires approval from creditors who hold at least 75% of the value of the debt. If the creditors don’t feel they’ll get a better return than with bankruptcy or another debt relief option, they may reject the IVA proposal. You will then have to explore other options.
As with bankruptcy, an IVA is made public and listed on the Individual Insolvency Register. Your details will stay on the register for the duration of your IVA and only get removed three months after it concludes. This public nature can also have consequences if you work in certain sectors. So, if in doubt, check with your employer or trade union.
Impact on your credit score
An IVA will negatively impact your credit score, and it can also make it harder to get any more credit. If you want to borrow more than £500, you must obtain permission from your IP. Once the IVA concludes, the details will stay on your credit file for six years after the commencement of the arrangement.
It is a legally binding agreement
An IVA is a formal arrangement and, although it offers a degree of flexibility, it is legally binding. As such, the IP and creditors will expect you to keep up with the repayments. Failing to do so could cause the IVA to fail and will most likely lead to bankruptcy.
One benefit of an IVA being legally binding is that it allows greater protection from creditors and bailiffs.
Not suitable for all debts
While IVAs can be extremely helpful with unsecured debts, they aren’t a universal solution. IVAs usually work best for debts more than £10,000; anything less might not be suitable. Additionally, certain debts cannot be included, such as secured debts, child maintenance, student loans and fines.
In summary
Individual Voluntary Arrangements (IVAs) have their benefits and drawbacks, which should be considered equally before applying. It can be an attractive alternative to going bankrupt with less of a long-lasting negative impact on you and your finances. There are no upfront costs with us; creditor pressure and interest are halted for the duration; and, once the arrangement concludes, any remaining debt is written off. However, an IVA is legally binding, requires creditor approval, and is recorded on a public register. It will also negatively impact your credit rating.
How we can help
We can help you decide whether an IVA or another debt-relief option is best suited to your circumstances. Contact us for free, impartial advice with no obligation.
"Having now successfully completed my IVA, I wanted to take the opportunity to express my sincere gratitude to the entire team for their support over the past few years.
When I first entered the IVA, I was facing significant financial challenges and uncertainty about the future. From the very beginning, the team treated me with professionalism, understanding, and respect. They took the time to explain the process clearly, answered my questions promptly, and provided reassurance whenever I needed guidance.
Throughout the arrangement, communication was excellent, and the annual reviews were handled efficiently and professionally. I always felt supported and never judged, which made a huge difference during what could have been a very stressful period.
Completing my IVA has given me a fresh start and the opportunity to move forward financially with confidence. The structure, advice, and support provided by your team played a significant role in helping me achieve this outcome.
I would highly recommend your services to anyone who is struggling with debt and looking for a professional, trustworthy organisation to help them regain control of their finances. Thank you for helping me reach the finish line and for giving me the chance to build a brighter financial future."
SimonY-18
star_ratestar_ratestar_ratestar_ratestar_rate
"IVA
Concise and excellent advice and service through the whole arrangement."
TracyH-468
star_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_rate
"Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."
Dan Cramp
star_ratestar_ratestar_ratestar_ratestar_rate
"Having now successfully completed my IVA, I wanted to take the opportunity to express my sincere gratitude to the entire team for their support over the past few years.
When I first entered the IVA, I was facing significant financial challenges and uncertainty about the future. From the very beginning, the team treated me with professionalism, understanding, and respect. They took the time to explain the process clearly, answered my questions promptly, and provided reassurance whenever I needed guidance.
Throughout the arrangement, communication was excellent, and the annual reviews were handled efficiently and professionally. I always felt supported and never judged, which made a huge difference during what could have been a very stressful period.
Completing my IVA has given me a fresh start and the opportunity to move forward financially with confidence. The structure, advice, and support provided by your team played a significant role in helping me achieve this outcome.
I would highly recommend your services to anyone who is struggling with debt and looking for a professional, trustworthy organisation to help them regain control of their finances. Thank you for helping me reach the finish line and for giving me the chance to build a brighter financial future."
SimonY-18
star_ratestar_ratestar_ratestar_ratestar_rate
"IVA
Concise and excellent advice and service through the whole arrangement."
TracyH-468
star_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_rate
"Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."
Dan Cramp
star_ratestar_ratestar_ratestar_ratestar_rate
"Having now successfully completed my IVA, I wanted to take the opportunity to express my sincere gratitude to the entire team for their support over the past few years.
When I first entered the IVA, I was facing significant financial challenges and uncertainty about the future. From the very beginning, the team treated me with professionalism, understanding, and respect. They took the time to explain the process clearly, answered my questions promptly, and provided reassurance whenever I needed guidance.
Throughout the arrangement, communication was excellent, and the annual reviews were handled efficiently and professionally. I always felt supported and never judged, which made a huge difference during what could have been a very stressful period.
Completing my IVA has given me a fresh start and the opportunity to move forward financially with confidence. The structure, advice, and support provided by your team played a significant role in helping me achieve this outcome.
I would highly recommend your services to anyone who is struggling with debt and looking for a professional, trustworthy organisation to help them regain control of their finances. Thank you for helping me reach the finish line and for giving me the chance to build a brighter financial future."
SimonY-18
star_ratestar_ratestar_ratestar_ratestar_rate
"IVA
Concise and excellent advice and service through the whole arrangement."
TracyH-468
star_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_rate
"Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."
Dan Cramp
star_ratestar_ratestar_ratestar_ratestar_rate
"Having now successfully completed my IVA, I wanted to take the opportunity to express my sincere gratitude to the entire team for their support over the past few years.
When I first entered the IVA, I was facing significant financial challenges and uncertainty about the future. From the very beginning, the team treated me with professionalism, understanding, and respect. They took the time to explain the process clearly, answered my questions promptly, and provided reassurance whenever I needed guidance.
Throughout the arrangement, communication was excellent, and the annual reviews were handled efficiently and professionally. I always felt supported and never judged, which made a huge difference during what could have been a very stressful period.
Completing my IVA has given me a fresh start and the opportunity to move forward financially with confidence. The structure, advice, and support provided by your team played a significant role in helping me achieve this outcome.
I would highly recommend your services to anyone who is struggling with debt and looking for a professional, trustworthy organisation to help them regain control of their finances. Thank you for helping me reach the finish line and for giving me the chance to build a brighter financial future."
SimonY-18
star_ratestar_ratestar_ratestar_ratestar_rate
"IVA
Concise and excellent advice and service through the whole arrangement."
TracyH-468
star_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_rate
"Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."
Dan Cramp
star_ratestar_ratestar_ratestar_ratestar_rate
"Having now successfully completed my IVA, I wanted to take the opportunity to express my sincere gratitude to the entire team for their support over the past few years.
When I first entered the IVA, I was facing significant financial challenges and uncertainty about the future. From the very beginning, the team treated me with professionalism, understanding, and respect. They took the time to explain the process clearly, answered my questions promptly, and provided reassurance whenever I needed guidance.
Throughout the arrangement, communication was excellent, and the annual reviews were handled efficiently and professionally. I always felt supported and never judged, which made a huge difference during what could have been a very stressful period.
Completing my IVA has given me a fresh start and the opportunity to move forward financially with confidence. The structure, advice, and support provided by your team played a significant role in helping me achieve this outcome.
I would highly recommend your services to anyone who is struggling with debt and looking for a professional, trustworthy organisation to help them regain control of their finances. Thank you for helping me reach the finish line and for giving me the chance to build a brighter financial future."
SimonY-18
star_ratestar_ratestar_ratestar_ratestar_rate
"IVA
Concise and excellent advice and service through the whole arrangement."
TracyH-468
star_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_rate
"Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."
Dan Cramp
star_ratestar_ratestar_ratestar_ratestar_rate
"Having now successfully completed my IVA, I wanted to take the opportunity to express my sincere gratitude to the entire team for their support over the past few years.
When I first entered the IVA, I was facing significant financial challenges and uncertainty about the future. From the very beginning, the team treated me with professionalism, understanding, and respect. They took the time to explain the process clearly, answered my questions promptly, and provided reassurance whenever I needed guidance.
Throughout the arrangement, communication was excellent, and the annual reviews were handled efficiently and professionally. I always felt supported and never judged, which made a huge difference during what could have been a very stressful period.
Completing my IVA has given me a fresh start and the opportunity to move forward financially with confidence. The structure, advice, and support provided by your team played a significant role in helping me achieve this outcome.
I would highly recommend your services to anyone who is struggling with debt and looking for a professional, trustworthy organisation to help them regain control of their finances. Thank you for helping me reach the finish line and for giving me the chance to build a brighter financial future."
SimonY-18
star_ratestar_ratestar_ratestar_ratestar_rate
"IVA
Concise and excellent advice and service through the whole arrangement."
TracyH-468
star_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_rate
"Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."
Dan Cramp
star_ratestar_ratestar_ratestar_ratestar_rate
"Having now successfully completed my IVA, I wanted to take the opportunity to express my sincere gratitude to the entire team for their support over the past few years.
When I first entered the IVA, I was facing significant financial challenges and uncertainty about the future. From the very beginning, the team treated me with professionalism, understanding, and respect. They took the time to explain the process clearly, answered my questions promptly, and provided reassurance whenever I needed guidance.
Throughout the arrangement, communication was excellent, and the annual reviews were handled efficiently and professionally. I always felt supported and never judged, which made a huge difference during what could have been a very stressful period.
Completing my IVA has given me a fresh start and the opportunity to move forward financially with confidence. The structure, advice, and support provided by your team played a significant role in helping me achieve this outcome.
I would highly recommend your services to anyone who is struggling with debt and looking for a professional, trustworthy organisation to help them regain control of their finances. Thank you for helping me reach the finish line and for giving me the chance to build a brighter financial future."
SimonY-18
star_ratestar_ratestar_ratestar_ratestar_rate
"IVA
Concise and excellent advice and service through the whole arrangement."
TracyH-468
star_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_rate
"Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."
Dan Cramp
star_ratestar_ratestar_ratestar_ratestar_rate
"Having now successfully completed my IVA, I wanted to take the opportunity to express my sincere gratitude to the entire team for their support over the past few years.
When I first entered the IVA, I was facing significant financial challenges and uncertainty about the future. From the very beginning, the team treated me with professionalism, understanding, and respect. They took the time to explain the process clearly, answered my questions promptly, and provided reassurance whenever I needed guidance.
Throughout the arrangement, communication was excellent, and the annual reviews were handled efficiently and professionally. I always felt supported and never judged, which made a huge difference during what could have been a very stressful period.
Completing my IVA has given me a fresh start and the opportunity to move forward financially with confidence. The structure, advice, and support provided by your team played a significant role in helping me achieve this outcome.
I would highly recommend your services to anyone who is struggling with debt and looking for a professional, trustworthy organisation to help them regain control of their finances. Thank you for helping me reach the finish line and for giving me the chance to build a brighter financial future."
SimonY-18
star_ratestar_ratestar_ratestar_ratestar_rate
"IVA
Concise and excellent advice and service through the whole arrangement."
TracyH-468
star_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_rate
"Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."
Dan Cramp
star_ratestar_ratestar_ratestar_ratestar_rate
"Having now successfully completed my IVA, I wanted to take the opportunity to express my sincere gratitude to the entire team for their support over the past few years.
When I first entered the IVA, I was facing significant financial challenges and uncertainty about the future. From the very beginning, the team treated me with professionalism, understanding, and respect. They took the time to explain the process clearly, answered my questions promptly, and provided reassurance whenever I needed guidance.
Throughout the arrangement, communication was excellent, and the annual reviews were handled efficiently and professionally. I always felt supported and never judged, which made a huge difference during what could have been a very stressful period.
Completing my IVA has given me a fresh start and the opportunity to move forward financially with confidence. The structure, advice, and support provided by your team played a significant role in helping me achieve this outcome.
I would highly recommend your services to anyone who is struggling with debt and looking for a professional, trustworthy organisation to help them regain control of their finances. Thank you for helping me reach the finish line and for giving me the chance to build a brighter financial future."
SimonY-18
star_ratestar_ratestar_ratestar_ratestar_rate
"IVA
Concise and excellent advice and service through the whole arrangement."
TracyH-468
star_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_rate
"Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."
Dan Cramp
star_ratestar_ratestar_ratestar_ratestar_rate
"Having now successfully completed my IVA, I wanted to take the opportunity to express my sincere gratitude to the entire team for their support over the past few years.
When I first entered the IVA, I was facing significant financial challenges and uncertainty about the future. From the very beginning, the team treated me with professionalism, understanding, and respect. They took the time to explain the process clearly, answered my questions promptly, and provided reassurance whenever I needed guidance.
Throughout the arrangement, communication was excellent, and the annual reviews were handled efficiently and professionally. I always felt supported and never judged, which made a huge difference during what could have been a very stressful period.
Completing my IVA has given me a fresh start and the opportunity to move forward financially with confidence. The structure, advice, and support provided by your team played a significant role in helping me achieve this outcome.
I would highly recommend your services to anyone who is struggling with debt and looking for a professional, trustworthy organisation to help them regain control of their finances. Thank you for helping me reach the finish line and for giving me the chance to build a brighter financial future."
SimonY-18
star_ratestar_ratestar_ratestar_ratestar_rate
"IVA
Concise and excellent advice and service through the whole arrangement."
TracyH-468
star_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_rate
"Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."
Dan Cramp
star_ratestar_ratestar_ratestar_ratestar_rate
"Having now successfully completed my IVA, I wanted to take the opportunity to express my sincere gratitude to the entire team for their support over the past few years.
When I first entered the IVA, I was facing significant financial challenges and uncertainty about the future. From the very beginning, the team treated me with professionalism, understanding, and respect. They took the time to explain the process clearly, answered my questions promptly, and provided reassurance whenever I needed guidance.
Throughout the arrangement, communication was excellent, and the annual reviews were handled efficiently and professionally. I always felt supported and never judged, which made a huge difference during what could have been a very stressful period.
Completing my IVA has given me a fresh start and the opportunity to move forward financially with confidence. The structure, advice, and support provided by your team played a significant role in helping me achieve this outcome.
I would highly recommend your services to anyone who is struggling with debt and looking for a professional, trustworthy organisation to help them regain control of their finances. Thank you for helping me reach the finish line and for giving me the chance to build a brighter financial future."
SimonY-18
star_ratestar_ratestar_ratestar_ratestar_rate
"IVA
Concise and excellent advice and service through the whole arrangement."
TracyH-468
star_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_rate
"Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."
Dan Cramp
star_ratestar_ratestar_ratestar_ratestar_rate
"Having now successfully completed my IVA, I wanted to take the opportunity to express my sincere gratitude to the entire team for their support over the past few years.
When I first entered the IVA, I was facing significant financial challenges and uncertainty about the future. From the very beginning, the team treated me with professionalism, understanding, and respect. They took the time to explain the process clearly, answered my questions promptly, and provided reassurance whenever I needed guidance.
Throughout the arrangement, communication was excellent, and the annual reviews were handled efficiently and professionally. I always felt supported and never judged, which made a huge difference during what could have been a very stressful period.
Completing my IVA has given me a fresh start and the opportunity to move forward financially with confidence. The structure, advice, and support provided by your team played a significant role in helping me achieve this outcome.
I would highly recommend your services to anyone who is struggling with debt and looking for a professional, trustworthy organisation to help them regain control of their finances. Thank you for helping me reach the finish line and for giving me the chance to build a brighter financial future."
SimonY-18
star_ratestar_ratestar_ratestar_ratestar_rate
"IVA
Concise and excellent advice and service through the whole arrangement."
TracyH-468
star_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_rate
"Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."
Dan Cramp
star_ratestar_ratestar_ratestar_ratestar_rate
"Having now successfully completed my IVA, I wanted to take the opportunity to express my sincere gratitude to the entire team for their support over the past few years.
When I first entered the IVA, I was facing significant financial challenges and uncertainty about the future. From the very beginning, the team treated me with professionalism, understanding, and respect. They took the time to explain the process clearly, answered my questions promptly, and provided reassurance whenever I needed guidance.
Throughout the arrangement, communication was excellent, and the annual reviews were handled efficiently and professionally. I always felt supported and never judged, which made a huge difference during what could have been a very stressful period.
Completing my IVA has given me a fresh start and the opportunity to move forward financially with confidence. The structure, advice, and support provided by your team played a significant role in helping me achieve this outcome.
I would highly recommend your services to anyone who is struggling with debt and looking for a professional, trustworthy organisation to help them regain control of their finances. Thank you for helping me reach the finish line and for giving me the chance to build a brighter financial future."
SimonY-18
star_ratestar_ratestar_ratestar_ratestar_rate
"IVA
Concise and excellent advice and service through the whole arrangement."
TracyH-468
star_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_rate
"Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."
Dan Cramp
star_ratestar_ratestar_ratestar_ratestar_rate
"Having now successfully completed my IVA, I wanted to take the opportunity to express my sincere gratitude to the entire team for their support over the past few years.
When I first entered the IVA, I was facing significant financial challenges and uncertainty about the future. From the very beginning, the team treated me with professionalism, understanding, and respect. They took the time to explain the process clearly, answered my questions promptly, and provided reassurance whenever I needed guidance.
Throughout the arrangement, communication was excellent, and the annual reviews were handled efficiently and professionally. I always felt supported and never judged, which made a huge difference during what could have been a very stressful period.
Completing my IVA has given me a fresh start and the opportunity to move forward financially with confidence. The structure, advice, and support provided by your team played a significant role in helping me achieve this outcome.
I would highly recommend your services to anyone who is struggling with debt and looking for a professional, trustworthy organisation to help them regain control of their finances. Thank you for helping me reach the finish line and for giving me the chance to build a brighter financial future."
SimonY-18
star_ratestar_ratestar_ratestar_ratestar_rate
"IVA
Concise and excellent advice and service through the whole arrangement."
TracyH-468
star_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_rate
"Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."
Dan Cramp
star_ratestar_ratestar_ratestar_ratestar_rate
"Having now successfully completed my IVA, I wanted to take the opportunity to express my sincere gratitude to the entire team for their support over the past few years.
When I first entered the IVA, I was facing significant financial challenges and uncertainty about the future. From the very beginning, the team treated me with professionalism, understanding, and respect. They took the time to explain the process clearly, answered my questions promptly, and provided reassurance whenever I needed guidance.
Throughout the arrangement, communication was excellent, and the annual reviews were handled efficiently and professionally. I always felt supported and never judged, which made a huge difference during what could have been a very stressful period.
Completing my IVA has given me a fresh start and the opportunity to move forward financially with confidence. The structure, advice, and support provided by your team played a significant role in helping me achieve this outcome.
I would highly recommend your services to anyone who is struggling with debt and looking for a professional, trustworthy organisation to help them regain control of their finances. Thank you for helping me reach the finish line and for giving me the chance to build a brighter financial future."
SimonY-18
star_ratestar_ratestar_ratestar_ratestar_rate
"IVA
Concise and excellent advice and service through the whole arrangement."
TracyH-468
star_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_rate
"Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."
Dan Cramp
star_ratestar_ratestar_ratestar_ratestar_rate
"Having now successfully completed my IVA, I wanted to take the opportunity to express my sincere gratitude to the entire team for their support over the past few years.
When I first entered the IVA, I was facing significant financial challenges and uncertainty about the future. From the very beginning, the team treated me with professionalism, understanding, and respect. They took the time to explain the process clearly, answered my questions promptly, and provided reassurance whenever I needed guidance.
Throughout the arrangement, communication was excellent, and the annual reviews were handled efficiently and professionally. I always felt supported and never judged, which made a huge difference during what could have been a very stressful period.
Completing my IVA has given me a fresh start and the opportunity to move forward financially with confidence. The structure, advice, and support provided by your team played a significant role in helping me achieve this outcome.
I would highly recommend your services to anyone who is struggling with debt and looking for a professional, trustworthy organisation to help them regain control of their finances. Thank you for helping me reach the finish line and for giving me the chance to build a brighter financial future."
SimonY-18
star_ratestar_ratestar_ratestar_ratestar_rate
"IVA
Concise and excellent advice and service through the whole arrangement."
TracyH-468
star_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_rate
"Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."
Dan Cramp
star_ratestar_ratestar_ratestar_ratestar_rate
"Having now successfully completed my IVA, I wanted to take the opportunity to express my sincere gratitude to the entire team for their support over the past few years.
When I first entered the IVA, I was facing significant financial challenges and uncertainty about the future. From the very beginning, the team treated me with professionalism, understanding, and respect. They took the time to explain the process clearly, answered my questions promptly, and provided reassurance whenever I needed guidance.
Throughout the arrangement, communication was excellent, and the annual reviews were handled efficiently and professionally. I always felt supported and never judged, which made a huge difference during what could have been a very stressful period.
Completing my IVA has given me a fresh start and the opportunity to move forward financially with confidence. The structure, advice, and support provided by your team played a significant role in helping me achieve this outcome.
I would highly recommend your services to anyone who is struggling with debt and looking for a professional, trustworthy organisation to help them regain control of their finances. Thank you for helping me reach the finish line and for giving me the chance to build a brighter financial future."
SimonY-18
star_ratestar_ratestar_ratestar_ratestar_rate
"IVA
Concise and excellent advice and service through the whole arrangement."
TracyH-468
star_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_rate
"Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."
Dan Cramp
star_ratestar_ratestar_ratestar_ratestar_rate
"Having now successfully completed my IVA, I wanted to take the opportunity to express my sincere gratitude to the entire team for their support over the past few years.
When I first entered the IVA, I was facing significant financial challenges and uncertainty about the future. From the very beginning, the team treated me with professionalism, understanding, and respect. They took the time to explain the process clearly, answered my questions promptly, and provided reassurance whenever I needed guidance.
Throughout the arrangement, communication was excellent, and the annual reviews were handled efficiently and professionally. I always felt supported and never judged, which made a huge difference during what could have been a very stressful period.
Completing my IVA has given me a fresh start and the opportunity to move forward financially with confidence. The structure, advice, and support provided by your team played a significant role in helping me achieve this outcome.
I would highly recommend your services to anyone who is struggling with debt and looking for a professional, trustworthy organisation to help them regain control of their finances. Thank you for helping me reach the finish line and for giving me the chance to build a brighter financial future."
SimonY-18
star_ratestar_ratestar_ratestar_ratestar_rate
"IVA
Concise and excellent advice and service through the whole arrangement."
TracyH-468
star_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_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_ratestar_ratestar_ratestar_ratestar_rate
"Beverly Horton was understood my situation and was able to advise the next steps. I would recommend Wilson Field."
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