Negative Equity UK | IVA, Bankruptcy And Property Debt
  • Home
  • IVA/Bankruptcy


How Do You Deal With Negative Equity When There Are Other Debts Such As Credit Cards Or Loans?

An IVA (Individual Voluntary Arrangement)
Depending on your specific circumstance, an IVA (Individual Voluntary Arrangement) may be a suitable solution. An IVA is a legal agreement between you and the people you owe money to (your creditors).

Most, but not all types of debt can be included in this agreement. A settlement is offered to your creditors which are paid either as a five-year payment plan (contribution IVA) or if possible, via a lump sum.

Contact us to discuss an IVA if you have negative equity and if

· You owe money to more than 3 creditors, eg mortgage lender, credit card company, council tax.
· You have unmanageable HMRC debt.
· You have multiple properties with different lenders that you need to sell.
· You have several unsecured creditors, such as loans and credit cards that are unaffordable.

How can we help you now?

Sale and settlement - We have successfully completed 100's of IVA debt settlements every year whereby ALL of our clients' debts were dealt with and settled with one arrangement. Does this sound like something you need to find out about? Call 0161 631 2727 or fill in the form for a call-back.


At Negative Equity UK, we offer every available debt solution in-house. This makes us unique in this field. Sometimes, an informal settlement/debt write down, IVA or mortgage restructure are not appropriate. In this instance, we can advise and provide representation in bankruptcy.

To make this process as smooth as possible, we provide support, a solicitor to represent you and all of the advice that you would need to make an informed choice.

This process may be daunting, but we are here to help resolve your debt issue in the best possible way for you.

IVA And Bankruptcy

Get Help Now

Call Us Today On 0161 660 4403
100% privacy - we will never share your details

Email Sign-up

Join our mailing list for regular property debt news and advice
Your personal data is 100% secure and will not be shared. You can opt-out at any time. See our privacy policy for full details. Yes, I would like to subscribe to receiving email updates from Negative Equity UK
This website uses cookies. By using the site, you consent to the use of cookies in line with our privacy policy. Find out more OK, I understand