Where can I get UK IVA advice?
Although the England, Wales, Northern Ireland and Scotland are all part of the UK & NI, Scotland is actually served by separate (although similar) insolvency legislation.
A UK IVA is only available in England, Wales and Northern Ireland. Scotland has a similar (although by no means identical) process called Protected Trust Deed, which is a legally binding agreement between you and your creditors where you will pay back what you can realistically afford each month, usually for a period of three years.
If you want to find out more about what a UK IVA is, see what is an IVA.