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IVA debt help UK is a legal debt settlement agreement which has one of two forms. The first will include a one-off payment to clear a section of your debts, while the second runs over a period of either 60 or 72 months (5 or 6 years respectively). You should always seek Advice about setting up an IVA and learn about IVA Pros and Cons from accredited experts prior to deciding on an IVA debt settlement.