What happens after my IVA finishes?


When you have made your final payment and successfully completed your Individual Voluntary Arrangement, you will be issued a certificate of completion by your Insolvency Practitioner, who will also inform your creditors.

A copy of the completion certificate is also passed to the Insolvency Service so that the Insolvency Register can be updated and your details removed.

Credit reference agencies will need to be updated, which is your responsibility. Notifying them that your IVA has completed successfully is an important step in improving your credit rating.

You can read more about IVAs and whether they are suitable for your situation in our IVA section.

Debt Advice Foundation is a registered UK charity offering free, confidential support and advice on all aspects of debt, including IVAs.  If you need to talk to someone about debt, please call the charity's helpline on 0800 043 40 50 to speak to an adviser.