IVA Fast! 

An IVA (mistakenly referred to as an Individual Voluntary Agreement) or Individual Voluntary Arrangement will help you clear your debts. An IVA could be your best route to becoming debt free if you don't have equity in your property to consolidate debt using a remortgage. If you want to keep your house an IVA will be better than bankruptcy. Be careful if you are thinking about a Debt Management Plan (DMP) to deal with your debt. A DMP will not always offer any debt forgiveness or stop creditors chasing you.