IVAorg CIC

04/06/2026

"From the first phone call, I knew I was making the right decision."

A couple came to us after a series of difficult circumstances had left them struggling with debt that felt impossible to escape. Borrowing just to live. Misjudged consolidation loans. And eventually, a partner who had a mental breakdown under the weight of it all.

"Every person who has supported and guided us through made a difficult situation almost seamless. I won't lie, it's been a hard 5 years but it has been life changing, in the best way.

"Iain, Drew, Carly and Leah have all had dealings with us over the years and are faultless. They have honestly not only been life changing, but life saving and I will forever be grateful."

We are so proud of what this couple has achieved and so grateful they trusted us to help them get there.

If you're in a difficult place and not sure where to turn, please reach out. It costs nothing to have a conversation and we'll always be honest with you about whether an IVA is the right option.

📩 www.iva.org ⭐ Read the full review on Trustpilot 🔗 in comments.

02/06/2026

CAP - Christians Against Poverty UK's Financial Inclusion analysis from April 2026 finds that 10% of UK adults report having debt they are struggling to manage (excluding mortgage or student loan).

Increasingly, people don't have enough income to get by and repay their debt. In the early 2000s most clients could repay their creditors over time to tackle their debts.

Today, in 2026, only 24% of clients have the resources to repay their way out of debt in a suitable timeframe. 66% need to take an insolvency route.

An Individual Voluntary Arrangement (IVA) can reduce the cost of your debt to a single, more affordable, monthly repayment. It is a powerful alternative to bankruptcy with the capacity to protect assets and incomes that might be otherwise vulnerable under the bankruptcy process.

An IVA is always based on an applicant's personal circumstances so, if you would like to learn more about how this type of debt solution might impact you and your debts, then you can arrange a consultation with one of our IVA advisors.

Visit iva.org or call us on 0800 856 8569.

28/05/2026

Most people don't realise they're in problem debt until they're already deep in it. It builds slowly, and the line between stretched and struggling can be hard to spot.

We've put together five warning signs to look out for and what to do if you recognise them.

14/05/2026

Nine in ten UK adults who have experienced debt believe there is a stigma attached to it.

Not some people.
Nine in ten.

Debt is one of the most common financial experiences in the UK. So why does it feel like something to be ashamed of?

We've written about why that is, where the shame really comes from and what it looks like to start moving through it. 💙

https://www.iva.org/blog/the-shame-of-debt-and-how-to-break-free/

12/05/2026

It's Mental Health Awareness Week and this year's theme is all about taking action.

At IVAorg, we know that debt and mental health are rarely separate issues. The worry of unpaid bills, the sleepless nights, the feeling that there's no way out - it all takes a toll.

Research shows that people in problem debt are more than twice as likely to experience a mental health problem than those without debt worries (source: Centre for Mental Health)

If you're struggling with both, you're not alone and you don't have to figure it out by yourself.

Sometimes the first step is simply talking to someone who will listen without judgement. You can find mental health support at Mental Health Foundation Mind Mental Health UK and Samaritans.

If debt is part of what's weighing on you, we're here.

📩 Reach out at www.iva.org

30/04/2026

April is almost behind us. There's been some actual sunshine lately, lighter evenings and that feeling that summer might actually be on its way ☀️

But we know the bigger picture is harder. The cost of living is still squeezing and for many, the worry doesn't switch off just because the sun comes out.

If debt has been quietly casting a shadow over you this spring, then now could be the right moment to take a look at your finances. Understanding your options costs nothing and for some people a single conversation can sometimes change everything.

At IVAorg CIC we're for people, not for profit. We're here when you're ready 🔗 iva.org

29/04/2026

Today is Stop Food Waste Day 🌍🍌🍎🍞🥦🥕

Around a third of all food produced globally goes to waste. That's a staggering figure, especially when so many in the world go hungry.

If you're watching the pennies, cutting food waste is one of the easiest ways to stretch your budget further. Visit Stop Food Waste Day and Stop Food Waste for great tips. And if you haven't already, it's worth looking up your nearest community supermarket. Networks like Community Shop and Your Local Pantry offer surplus food at a fraction of the usual cost - with free membership for those who qualify.

Every small change helps. For your wallet and for the world. 💚

28/04/2026

Happy Pay It Forward Day 💙

Small acts of kindness, passed on. It's a simple idea with a big impact.

If an IVA helped you get your life back on track, today feels like a good day to think about who else might need to hear that there's a way forward. Sometimes just telling someone "there is help out there" is enough to change everything.

Know someone who might benefit from an IVA? Point them our way - we'll take it from there 🔗 www.iva.org

23/04/2026

We've just launched something new and we think you might find it useful.

The IVA Community UK is a private Facebook group for anyone who is considering an IVA or is already on their journey. It's a judgement-free space to ask questions, share experiences and find support from others who genuinely get it.

If that sounds like somewhere you'd benefit from, or know someone who would, you're warmly invited to join.

🔍 Search 'The IVA Community UK' on Facebook to find us and request to join.

23/04/2026

With the cost of living really squeezing household budgets, knowing where your money is actually going can make a real difference.

We've put together four practical tips to help you get smarter about managing debt repayments, including one that most people never think to check...🤔

www.iva.org/blog/stretched-budget-four-smart-ways-to-tackle-your-debt

With food, fuel and energy costs continuing to put pressure on household budgets, managing debt repayments can feel like an uphill battle. If you're finding it