Money Debt & Credit
0800 16 999 46
Or from a mobile: 01923 636 900

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IVA Questions and Answers

What debts can be included in an IVA?

Only unsecured debts can be included in an IVA, for example:

  • Credit cards
  • Store cards
  • Bank overdrafts
  • Personal loans that are not secured against property or assets that you own


You cannot include secured debts such as a mortgage or other loan secured on your property, HP on a car or other asset that you own, or court fines and maintenance arrears.

This only covers some of the most common types of debt; please speak to an IVA Advisor if you would like more information on what can be included.


For more information, call us on 0800 16 999 46 or simply fill in the online application form above. Call free for expert and completely confidential advice.

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Insolvency Practitioners at Money Debt and Credit Ltd act without any personal liability.
Money Debt and Credit Ltd, Registered in England & Wales No.05588842. Registered Office: 45 Clarendon Road, Watford WD17 1SZ
Consumer Credit Licence Number: 0580960