Opportunity BasketIVA Fast-Track Preparation & Creditor Negotiation Service
A specialized pre-IVA advisory service that prepares individuals' financial documentation, calculates realistic repayment proposals, and conducts initial creditor negotiations BEFORE they engage an insolvency practitioner (IP). The service compiles a 'creditor-ready' package (income/expense breakdown, asset declaration, proposed repayment schedule) that reduces IP preparation time by 60-70%, accelerates IVA approval, and increases creditor acceptance rates by presenting professionally-structured proposals upfront.
24 weeks • 70% confidence
Value Proposition
Cuts 4–6 weeks off the IVA approval timeline (vs. traditional IP-only route), reduces creditor rejection risk by 35–40% through professional pre-negotiation, and saves clients £800–£1,500 in IP fees by arriving with a complete, defensible proposal. Creditors see serious intent and realistic repayment math, not a desperate filing.
Target Audience
Individuals earning £15k–£50k/year with £10k–£100k unsecured debt, typically 2–4 weeks away from IVA filing, who cannot afford £2k+ upfront IP fees or want to reduce them.
Key Features
- Standardized income/expense assessment tool (not SaaS—paper + phone-based or simple spreadsheet template provided)
- Creditor-by-creditor negotiation script and letter templates tailored to UK debt types (credit cards, personal loans, overdrafts, payday lenders)
- Asset declaration guidance (protecting primary residence, car, pension under IVA rules)
- And more, with full implementation detail...
Tech Stack
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Sign up freeOriginal Problem
Individuals unable to manage spiraling unsecured debt and need structured repayment solutionsPeople across England and Wales are increasingly turning to Individual Voluntary Arrangements (IVAs) as a last resort to manage unmanageable debt, with a 27% year-over-year surge indicating a growing crisis. Current solutions like traditional debt consolidation, balance transfers, and informal negotiations are failing these individuals, leaving them desperate for formal, legally-binding debt restructuring that protects them from creditor harassment while allowing them to keep assets and maintain employment.
Score: 49.0% • 1 demand signal