Helping you get out of personal debt

As Licensed Insolvency Practitioners with FCA accreditation, you can trust that Umbrella will give you FREE, friendly and expert personal debt advice.

We can help you reduce your debts, stop the demanding phone calls and arrange a single affordable monthly payment.

Umbrella Insolvency provide Individual Voluntary Arrangements (IVA) for individuals struggling with debt. An IVA can help you take control of your money and move on with your life.


NO MORE unwanted stressful phone calls


NO MORE worrying interest or charges applied


Have some of your debt WRITTEN OFF


ONE affordable monthly payment

Debt free in just 3 simple steps

Fill in and submit our simple contact form, call 0800 611 8888 now or email and one of our friendly team will be in touch today.

We will discuss your individual situation, go through all of your debts and work out what you can afford to pay each month.

Select the right debt solution for you and relax.

Umbrella Insolvency provide Individual Voluntary Arrangements (IVA) for individuals struggling with debt. An IVA can help you take control of your money and move on with your life.

Q. Will my IVA be approved?
A. To be accepted, an IVA has to be agreed by more than 75% of creditors (by value) taking into account only those creditors who have decided to vote.

Umbrella follow the IVA Protocol, meaning that there is a high likelihood that your proposal will be accepted. With Umbrella’s experience, we will be able to advise you whether creditors are likely to accept your IVA after a FREE consultation over the phone. If we don’t think an IVA is right for you then we will help you secure alternative help.

Q. What are your fees?
A. IVAs can only be prepared by Licensed Insolvency Practitioner’s and subject to the agreement of all parties, Umbrella will deduct their professional fees from the payments that are made to your creditors.

IVA fees are made up of two charges. The nominee’s fee covers all work incurred by the Insolvency Practioner preparing the IVA proposal and negotiating with your creditors on your behalf. This is usually the sum equivalent of five monthly payments. Subject to a minimum charge of £1,000.

The second charge is the supervisor’s fee, which includes time spent on the ongoing management of an IVA and distributing the funds to creditors. It is calculated at 15 per cent of payments after the nominee’s fee have been paid. All charges are disclosed to you before the IVA begins and your creditors must approve those fees.

See A Creditors Guide to Insolvency Practitioners Fees in Respect of IVAs

Q. Will an IVA have an effect on my credit rating?
A. An IVA will effect your credit rating for 6 years after approval. One of the requirements of an IVA is that you do not apply for new credit during the contract term.

Q. What happens if my circumstances change once my IVA has been approved?
A. If your circumstances change then payments may increase or decrease depending on how affordable they are. If you get an unexpected cash windfall of over £500 then this must be paid into the IVA for the benefit of your creditors.

Q. Are all my debts included?
A. An IVA covers unsecured debts like personal loans, credit cards and overdrafts. Many debts cannot be included under an IVA. These ‘priority debts’ include fines, student loans and child maintenance payments. Other debts that can’t be included are payments on your mortgage, secured loans and secured car finance. These debts still need to be repaid but they will be taken into account when judging the affordability of your IVA payments.

Q. Can an IVA help me avoid bankruptcy?
A. IVAs can help you avoid bankruptcy if you keep to the agreed terms. Failing to meet the terms can lead to bankruptcy proceedings being started against you.

Q. Will anyone be able to find out I have an IVA?
A. An IVA is recorded in a public register but there is no requirement to publish it in your local newspaper, unlike with bankruptcy.

Q. What happens at the end of my IVA?
A. If you comply with all of the IVA terms, Umbrella will issue a final report and a certificate of completion. The certificate can be sent to credit reference agencies who will then be able able to update their records accordingly.

Q. Where can I find out more about dealing with my creditors?
A. You can find out more about dealing with your creditors in a guide produced by the Insolvency Service:….
You can also find alternative free debt advice organisations as recommended by the
For more information on what an IVA is see:…also R3, the insolvency trade body, have produced a publication “Is an IVA Right for me”

If you think an IVA could help you with your personal debts – please call Umbrella Insolvency for a no-obligation, confidential review on 0800 611 8888 or email us at

Here are just some of the creditors that Umbrella Insolvency can deal with

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Helping our customers get out of debt

Thank you very much for your assistance in a successful proposal. We are ever so grateful as this is a chance to transform our lives; or rather you have given us a second chance to have our lives in order. Thank your for your patience and perseverance throughout that you showed.
NP (October 2018)
First of all, I would like to say a BIG Thank You for all of your assistance over the past year. I would not be in the positive state of recovery without Umbrella. Your care and assistance at the application stage last summer, along with the advice throughout the year, has been great. I would not hesitate to tell anyone in my negative situation where to turn to. Mr TM (September 2017)
I would like to say a very big “Thank You” to your lady on the telephone this morning who helped me start getting my life sorted and debts managed. So thank you “Sarah” great help… thank you again. L. Smart (October 2016)
Thank you so much for your help with my IVA. As an ex-company Director my life took a downward spiral when creditors from my liquidated company called upon my personal guarantees. I had been treading water for months, ran up credit card debts and borrowed from family. When a creditor instigated bankruptcy proceedings against me I thought I was going to lose my house. I contacted Umbrella who stopped all the phone calls and threatening letters. Umbrella explained things in a way I could understand. They negotiated with creditors and my IVA went through, now I can sleep at night again and I kept my home. Thomas Fox was extremely knowledgeable and I truly thank him and his team. Paul G (December 2016)
I would like to thank Sarah and her team for all the hard work they have put into helping me sort my finances out once and for all. Without this IVA I would still be struggling every month trying to make ends meet. I received nothing but an efficient polite service every time I spoke to a member of your team and I’m so very grateful. Thank you so much. Natasha R (January 2017)