Struggling with debt?

Don’t face unaffordable debt alone. Speak to our team of experts who can help you take control of your debts.

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How it Works


Evaluation & Enroll

Let’s see what’s right for You.


Program Personalization

Time to customize Your program.


We Get to Work

Strategizing to reach Your goals.


Live Life

Successful program completion!

What is an IVA?

An Individual Voluntary Arrangement or IVA, is a legal method of resolving debt problems. It allows a person to repay a percentage of their unsecured debt back to their creditors in affordable monthly installments over a fixed term, usually around 4 years. Once the IVA successfully completes the remaining debt is written off and you’ll be issued with a certificate of completion. At this point, any balances outstanding on the debts included in your IVA will be written off.

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Comparing Debt Programs

Debt Settlement. Reduce Your Debt. Pay Less than You Owe.

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What Clients are Saying

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“Very professional and knowledgeable. Whenever I have had to contact IVA Debt Help they have been extremely helpful and on every occasion my issue/concern has been resolved to my satisfaction.”

Sarah Mazur

“I am very happy with IVA Debt Help. They work very hard to help and I am completely satisfied. The employees I work with are very helpful and caring. I would recommend this company to everyone. Thank you IVA Debt Help Team!”

Pablo Mikołajczak

“After I lost my wife, I needed to get my financials straightened. Debt settlement is a good way of doing this and the people from IVA Debt Help are honest. IVA Debt Help did an excellent job in my book and I felt very comfortable working with them.”

Don Know

“IVA Debt Help gave me back my financial freedom and took away my stress! So thankful for my life back!! Thank you!!”

Don Know

We are with You from
Start to Finish

We understand you have a very busy life, so our program is designed to move you through each phase as quickly and easily as possible. Our 265+ service-first teammates are here to guide you through your program every step of the way. We will take the time to listen to you and work hard to make sure all of your questions are answered.
Our team will be here when you need us, and you can count on us to provide the highest level of service at all times. We are passionate about building a personalized relationship with you, so we can deliver the results you expect from your debt settlement partner.

about us

Clients who make all their monthly program payments pay approximately 50% of their enrolled balance before fees, or 68% to 75% including fees, over 24 to 48 months. Not all clients are able to complete our program for various reasons, including their ability to save sufficient funds. Our estimates are based on our own professional experience and prior achieved results, which will vary depending on your specific circumstances. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to your creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states and our fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest.