{"id":123,"date":"2013-08-02T13:45:10","date_gmt":"2013-08-02T13:45:10","guid":{"rendered":"https:\/\/www.payplan.com\/?page_id=123"},"modified":"2024-04-02T14:48:07","modified_gmt":"2024-04-02T14:48:07","slug":"self-employed-iva","status":"publish","type":"page","link":"https:\/\/www.payplan.com\/iva\/self-employed-iva\/","title":{"rendered":"Self-employed IVA"},"content":{"rendered":"<script type=\"application\/ld+json\">\r\n    {\r\n      \"@context\": \"https:\/\/schema.org\",\r\n      \"@type\": \"BreadcrumbList\",\r\n      \"itemListElement\": [{\r\n        \"@type\": \"ListItem\",\r\n        \"position\": 1,\r\n        \"name\": \"Books\",\r\n        \"item\": \"https:\/\/www.payplan.com\/iva\/self-employed-iva\/\"\r\n      }]\r\n    }\r\n<\/script>\r\n\r\n<section itemtype=\"https:\/\/schema.org\/FAQPage\" itemscope=\"\">\r\n    <div itemtype=\"https:\/\/schema.org\/Question\" itemscope=\"\" itemprop=\"mainEntity\">\r\n        <h2 id=\"what-is-a-self-employed-iva\" data-toc-heading><span itemprop=\"name\" data-toc-heading>What is a self-employed IVA?<\/span data-toc-heading><\/h2 data-toc-heading>\r\n        <div itemtype=\"https:\/\/schema.org\/Answer\" itemscope=\"\" itemprop=\"acceptedAnswer\">\r\n            <div itemprop=\"text\">\r\n                <p>A self-employed IVA (Individual Voluntary Arrangement) is a legally binding agreement between you and your creditors. It helps you avoid <a href=\"https:\/\/www.payplan.com\/debt-solutions\/bankruptcy\/\">bankruptcy<\/a> by paying off part of your debt over a fixed period of time. At the end of the period (usually around five to six years) and providing you keep to your agreed repayment schedule, your creditors will agree to write off the outstanding balance of your unsecured debt.<\/p>\r\n                <p>When you\u2019re self-employed, this kind of arrangement is an effective alternative to bankruptcy. It\u2019s easier for you to continue to trade, without the restrictions imposed by bankruptcy as well as retain your assets.<\/p>\r\n\r\n                <p>You make one affordable monthly payment to an Insolvency Practitioner (IP) who will then make payments to your creditors. You could be debt-free in as little as 5 years, with a significant amount of your business and personal debt written off. There\u2019ll be no more threats of legal action, no more chasing from your creditors and no interest added.<\/p>\r\n\r\n                <p>You will need to keep to a budget, but your business and personal debts will all be taken care of \u2013 and you\u2019ll still have enough money left over to run your home and business, buy clothes and food for you and your family, and keep up to date with all your essential outgoings.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n\r\n    <div itemtype=\"https:\/\/schema.org\/Question\" itemscope=\"\" itemprop=\"mainEntity\">\r\n        <h2 id=\"how-do-i-apply-for-a-self-employed-iva\" data-toc-heading><span itemprop=\"name\" data-toc-heading>How do I apply for a self-employed IVA?<\/span data-toc-heading><\/h2 data-toc-heading>\r\n        <div itemtype=\"https:\/\/schema.org\/Answer\" itemscope=\"\" itemprop=\"acceptedAnswer\">\r\n            <div itemprop=\"text\">\r\n                <p>Your IP will help you put together a forward-looking business cash-flow for the next twelve months, projecting the income and expenditure of the business.<\/p>\r\n                <p>This will show your creditors that the business is profitable and you are able to make reduced monthly payments to them.\r\n                    Your monthly income from the business after tax will then be used to pay your personal living costs, with the amount left over being the amount of money that you can afford to pay the IVA each month.<\/p>\r\n\r\n                <p>These payments can be flexible, taking into account any seasonal fluctuations in income. For example, if you\u2019re a gardener and receive most of your income in the summer months and not as much in the winter months, then you can make payments to your IVA as and when you receive your income, providing you pay in the agreed amount over the course of a year.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n<\/section>\r\n<h2 id=\"advantages\" data-toc-heading>Advantages<\/h2 data-toc-heading>\r\n<ul>\r\n    <li>You can keep trading, using suppliers and lines of credit<\/li>\r\n    <li>You can hold on to any tools, machinery and stock that you need for your business<\/li>\r\n    <li>You can structure repayments to suit your cash flow<\/li>\r\n    <li>Interest and charges will be frozen<\/li>\r\n    <li>You make a single monthly payment<\/li>\r\n    <li>Set up fees are included in your monthly payment<\/li>\r\n    <li>No legal action<\/li>\r\n    <li>Your business assets are protected<\/li>\r\n    <li>Your home will be safe<\/li>\r\n    <li>An IVA is easy to set up with the support of your IP<\/li>\r\n    <li>You will usually pay back less than the full amount you owe<\/li>\r\n<\/ul>\r\n\r\n<h2 id=\"considerations\" data-toc-heading>Considerations<\/h2 data-toc-heading>\r\n<ul>\r\n    <li>Your arrangement will be on your credit file for <strong>six years<\/strong> and can affect your ability to get further credit<\/li>\r\n    <li>Your name will be included on the Insolvency Register<\/li>\r\n    <li>IVAs usually last for between five and six years<\/li>\r\n    <li>You won\u2019t be able to use store or credit cards<\/li>\r\n    <li>You will probably need to open a new bank account that isn\u2019t linked to your business<\/li>\r\n    <li>You may need to remortgage your house if there is equity in it<\/li>\r\n    <li>Only unsecured debts can be included<\/li>\r\n    <li>Risk of bankruptcy if you fail to keep up your agreed payments<\/li>\r\n    <li>Only available if you live in England, Wales or Northern Ireland<\/li>\r\n<\/ul>\r\n\r\n\r\n<h2 id=\"will-an-iva-be-approved\" data-toc-heading>Will an IVA be approved?<\/h2 data-toc-heading>\r\n\r\n<p>Generally speaking, IVAs are accepted in most cases.<\/p>\r\n<p>Your IP will take responsibility for preparing your IVA and forward it to your creditors for negotiation. If at least 75% of your creditors (by debt balance) agree to the IVA, then your IVA will be approved and will be legally binding.<\/p>\r\n<p>In the unlikely event that your IVA is rejected, you don\u2019t necessarily have to go bankrupt. We\u2019ll talk to you about <a href=\"https:\/\/www.payplan.com\/debt-solutions\/\">alternative solutions<\/a>.\r\n<\/p>\r\n\r\n<h2 id=\"managing-your-iva\" data-toc-heading>Managing your IVA<\/h2 data-toc-heading>\r\n\r\n<p>You\u2019ll be supported right from the start. Your IP is there to explain the process and make it easier for you to succeed.<\/p>\r\n<p>Don\u2019t worry about projecting your budget over a five-year period. Your IP will review your IVA every year, so if your circumstances change in any way, it can be reworked based on your new situation.<\/p>\r\n<p>It is also possible to reduce your payments into an IVA, with the permission of your creditors. If it\u2019s a genuine change in circumstances, most will agree.<\/p>\r\n<p>In a non-self-employed IVA, you can\u2019t usually obtain credit of more than \u00a3500 without the permission of the Supervisor. In a self-employed IVA, you are more likely to be allowed further credit if you can afford the repayments and need it for a viable business. For example, if you\u2019re a consultant and have to pay monthly expenses before being paid at the end of each month, it may be possible to have a small overdraft to allow you to pay these expenses.<\/p>\r\n\r\n\r\n<h2 id=\"do-i-qualify-for-a-self-employed-iva\" data-toc-heading>Do I qualify for a self-employed IVA?<\/h2 data-toc-heading>\r\n\r\n<p>Let\u2019s find out. At PayPlan, we have a <a href=\"https:\/\/www.payplan.com\/iva\/self-employed-iva\/\">specialist team dealing with self-employed IVAs<\/a> who can check whether this is the best solution for your situation.<\/p>\r\n<p>Self-employed IVAs are not available in Scotland \u2013 take a look at other <a href=\"https:\/\/www.payplanscotland.com\/\">debt solutions for Scottish businesses<\/a>.<\/p>\r\n\r\n<p>Generally speaking, if you work for yourself and sell goods or services, it could be a good option for you. Below are a few examples of who might qualify for a self-employed IVA:<\/p>\r\n<ul>\r\n    <li>Construction Industry Scheme (CIS) Workers<\/li>\r\n    <li>Buy-to-let landlords<\/li>\r\n    <li>Hairdressers<\/li>\r\n    <li>Gardeners<\/li>\r\n    <li>Florists<\/li>\r\n    <li>Shopkeepers<\/li>\r\n    <li>Accountants<\/li>\r\n    <li>Childcare providers<\/li>\r\n    <li>Freelance designers<\/li>\r\n<\/ul>\r\n\r\n<p>Questions? Get answers <a href=\"https:\/\/www.payplan.com\/blog\/self-employed-ivas-frequently-asked-questions\/\">here<\/a>. You can also check out our expert Insolvency Practitioner, Nick Payne\u2019s <a href=\"https:\/\/www.payplan.com\/blog\/five-steps-to-helping-self-employed-clients-with-debt-advice\/\">blog<\/a> \u2013 Nick has more than 20 years\u2019 experience of helping set up IVAs.<\/p>\r\n\r\n<p>Don\u2019t wait any longer. Call us free on 0800 316 1833 , email us or use our <a href=\"https:\/\/www.payplan.com\/debt-help\/\">debt help form<\/a> for advice on the best way to manage your debt.<\/p>\r\n\r\n\r\n<p><a class=\"button color-4-bg\" href=\"https:\/\/www.payplan.com\/debt-help\/\">Get advice now<\/a><\/p>\r\n<hr \/>\r\n\r\n\r\n\r\n\r\n<hr \/>\r\n<h2 id=\"self-employed-iva-client-reviews\" data-toc-heading>Self-Employed IVA client reviews<\/h2 data-toc-heading>\r\n<div itemtype=\"http:\/\/schema.org\/Product\" itemscope=\"\">\r\n    <span class=\"sr-only\" itemprop=\"name\">Self-employed IVA<\/span>\r\n    <div class=\"star_wrap text-center\">\r\n        <div class=\"rating\" data-rating=\"5\">\r\n            <div class=\"star\"><\/div>\r\n            <div class=\"star\"><\/div>\r\n            <div class=\"star\"><\/div>\r\n            <div class=\"star\"><\/div>\r\n            <div class=\"star\"><\/div>\r\n        <\/div>\r\n    <\/div>\r\n    <div class=\"text-center color-type-1\" itemtype=\"http:\/\/schema.org\/AggregateRating\" itemscope=\"\" itemprop=\"aggregateRating\">\r\n        <small class=\"pull-left\">We rate <span itemprop=\"ratingValue\">4.8<\/span> out of <span itemprop=\"ratingCount\">5<\/span> based on <span itemprop=\"reviewCount\">24<\/span> <a href=\"\/about-us\/payplan-reviews\/\">reviews<\/a><\/small>\r\n    <\/div>\r\n<\/div>\r\n<hr \/>\r\n<div class=\"tw-flex tw-flex-col tw-justify-center md:tw-flex-row tw-flex-wrap tw-gap-8\" itemscope itemtype=\"https:\/\/schema.org\/Product\"><meta itemprop=\"description\" content=\"A self-employed IVA (Individual Voluntary Arrangement) is a legally binding agreement between you and your creditors. It helps you avoid\u00a0bankkruptcy\u00a0by paying off part of your debt over a fixed period of time. At the end of the period (usually around five to six years) and providing you keep to your agreed repayment schedule, your creditors will agree to write off the outstanding balance of your unsecured debt.\" \/><meta itemprop=\"name\" content=\"Self Employed IVA (Bespoke)\" \/><div itemprop=\"review\" itemscope itemtype=\"https:\/\/schema.org\/Review\" class=\"tw-relative tw-flex tw-flex-col tw-flex-auto md:tw-max-w-6\/20 tw-border tw-border-gray-200 tw-p-6 tw-gap-6 tw-justify-between tw-rounded-xl pp-review\"><div><p class=\"tw-text-lg tw-font-medium tw-text-azure-700 tw-mb-2\">They understand<\/p><div itemprop=\"reviewBody\"><p class=\"tw-mb-0\">Payplan have always been helpful, considerate and easy to deal with. They understand the problems we have and are considerate in their response to our enquiries. We would recommend Payplan&hellip;<\/p><\/div><\/div><div class=\"star_wrap\"><div itemprop=\"reviewRating\" itemscope itemtype=\"http:\/\/schema.org\/Rating\" class=\"rating\" data-rating=\"5\"><meta itemprop=\"ratingValue\" content=\"5\" \/><meta itemprop=\"bestRating\" content=\"5\" \/><span class=\"star\"><\/span><span class=\"star\"><\/span><span class=\"star\"><\/span><span class=\"star\"><\/span><span class=\"star\"><\/span><\/div><\/div><div class=\"tw-flex tw-flex-row tw-items-center tw-gap-4 tw-w-full\"><span class=\"tw-rounded-full tw-w-10 tw-h-10 tw-flex tw-justify-center tw-items-center tw-bg-azure-100 tw-text-azure-700 tw-uppercase\">T<\/span><div class=\"tw-flex tw-justify-start tw-flex-auto\"><p class=\"tw-flex tw-flex-col tw-mb-0\" itemprop=\"author\" itemscope itemtype=\"http:\/\/schema.org\/Person\"><span class=\"tw-text-medium\" itemprop=\"name\">Thomas<\/span><span class=\"tw-text-sm\">Self Employed IVA (Bespoke) client<\/span><\/p><\/div><\/div><\/div><div itemprop=\"review\" itemscope itemtype=\"https:\/\/schema.org\/Review\" class=\"tw-relative tw-flex tw-flex-col tw-flex-auto md:tw-max-w-6\/20 tw-border tw-border-gray-200 tw-p-6 tw-gap-6 tw-justify-between tw-rounded-xl pp-review\"><div><p class=\"tw-text-lg tw-font-medium tw-text-azure-700 tw-mb-2\">Craig<\/p><div itemprop=\"reviewBody\"><p class=\"tw-mb-0\">Since my initial phone call to Payplan their service has been fantastic . I was totally lost with debts spiralling out of control with phone calls day and night. Payplan&hellip;<\/p><\/div><\/div><div class=\"star_wrap\"><div itemprop=\"reviewRating\" itemscope itemtype=\"http:\/\/schema.org\/Rating\" class=\"rating\" data-rating=\"5\"><meta itemprop=\"ratingValue\" content=\"5\" \/><meta itemprop=\"bestRating\" content=\"5\" \/><span class=\"star\"><\/span><span class=\"star\"><\/span><span class=\"star\"><\/span><span class=\"star\"><\/span><span class=\"star\"><\/span><\/div><\/div><div class=\"tw-flex tw-flex-row tw-items-center tw-gap-4 tw-w-full\"><span class=\"tw-rounded-full tw-w-10 tw-h-10 tw-flex tw-justify-center tw-items-center tw-bg-azure-100 tw-text-azure-700 tw-uppercase\">C<\/span><div class=\"tw-flex tw-justify-start tw-flex-auto\"><p class=\"tw-flex tw-flex-col tw-mb-0\" itemprop=\"author\" itemscope itemtype=\"http:\/\/schema.org\/Person\"><span class=\"tw-text-medium\" itemprop=\"name\">Craig<\/span><span class=\"tw-text-sm\">Self Employed IVA (Bespoke) client<\/span><\/p><\/div><\/div><\/div><div itemprop=\"review\" itemscope itemtype=\"https:\/\/schema.org\/Review\" class=\"tw-relative tw-flex tw-flex-col tw-flex-auto md:tw-max-w-6\/20 tw-border tw-border-gray-200 tw-p-6 tw-gap-6 tw-justify-between tw-rounded-xl pp-review\"><div><p class=\"tw-text-lg tw-font-medium tw-text-azure-700 tw-mb-2\">Sayub<\/p><div itemprop=\"reviewBody\"><p class=\"tw-mb-0\">good friendly and helpful service<\/p><\/div><\/div><div class=\"star_wrap\"><div itemprop=\"reviewRating\" itemscope itemtype=\"http:\/\/schema.org\/Rating\" class=\"rating\" data-rating=\"5\"><meta itemprop=\"ratingValue\" content=\"5\" \/><meta itemprop=\"bestRating\" content=\"5\" \/><span class=\"star\"><\/span><span class=\"star\"><\/span><span class=\"star\"><\/span><span class=\"star\"><\/span><span class=\"star\"><\/span><\/div><\/div><div class=\"tw-flex tw-flex-row tw-items-center tw-gap-4 tw-w-full\"><span class=\"tw-rounded-full tw-w-10 tw-h-10 tw-flex tw-justify-center tw-items-center tw-bg-azure-100 tw-text-azure-700 tw-uppercase\">S<\/span><div class=\"tw-flex tw-justify-start tw-flex-auto\"><p class=\"tw-flex tw-flex-col tw-mb-0\" itemprop=\"author\" itemscope itemtype=\"http:\/\/schema.org\/Person\"><span class=\"tw-text-medium\" itemprop=\"name\">Sayub<\/span><span class=\"tw-text-sm\">Self Employed IVA (Bespoke) client<\/span><\/p><\/div><\/div><\/div><\/div>\r\n\r\n<h2 id=\"more-information-on-self-employed-ivas\" data-toc-heading>More Information On Self-Employed IVAs<\/h2 data-toc-heading>\r\n\r\n<ul>\r\n    <li><a title=\"Pros And Cons Of A Self-Employed IVA\" href=\"https:\/\/www.payplan.com\/iva\/self-employed-iva\/pros-and-cons\/\">Pros And Cons Of A Self-Employed IVA<\/a><\/li>\r\n    <li><a title=\"The Payplan Self-Employed IVA Process\" href=\"https:\/\/www.payplan.com\/iva\/self-employed-iva\/process\/\">The Self-Employed IVA Process<\/a><\/li>\r\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>A self-employed IVA is a debt solution that allows you to keep your business operating while repaying your debts usually over 5 years (subject to creditor approval)<\/p>\n","protected":false},"author":1,"featured_media":91879,"parent":92121,"menu_order":0,"comment_status":"open","ping_status":"open","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-123","page","type-page","status-publish","has-post-thumbnail","hentry","colour-scheme-primary-blue"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.5 (Yoast SEO v23.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Self Employed IVAs &amp; 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