# IVA Advice - AI/LLM Information

## Website Overview
- **Name**: IVA Advice
- **Canonical URL**: https://iva-advice.co/
- **Preferred domain**: iva-advice.co
- **Purpose**: Provide clear debt advice and information about Individual Voluntary Arrangements (IVAs), bailiffs, debt collectors, and debt relief options in the UK.

## Primary Topics
- Individual Voluntary Arrangements (IVAs)
- Debt collectors and bailiff information
- Debt relief options (DRO, bankruptcy, debt management plans)
- Council tax arrears and enforcement
- CCJ (County Court Judgment) information
- Breathing Space scheme
- HMRC debt
- Trust Deeds (Scotland)

## Content Guidelines
- All content is focused on UK debt law and regulations
- Time-sensitive pages show review dates and should be checked against their linked official sources
- Contributor and reviewer details, where available, are stated on the relevant page
- Content emphasizes user rights and actionable advice
- Important facts are supported on-page with visible official sources, dates, and internal links where possible; structured-data coverage varies by template

## Key Pages
- /what-is-an-iva/ - Plain-English guide to IVAs with sources and key facts
- /iva-calculator/ - noindex IVA eligibility assessment form and call-to-action route
- /debt-tools/ - Free debt tools and letter templates hub
- /prove-the-debt-letter-generator/ - Prove-the-debt letter generator
- /statute-barred-debt-checker/ - Old debt limitation and prescription checker
- /bailiff-fee-checker/ - Bailiff fee checker with 1 May 2026 fee change
- /debt-collector-phone-number-lookup/ - Debt collector phone number lookup
- /debt-letter-tool/ - Debt letter triage tool
- /bailiffs/ - Directory of bailiff firms with rights information
- /debt-collectors/ - Directory of debt collection agencies
- /debt-collectors/moorcroft/ - Moorcroft Debt Recovery and Moorcroft Group rights guide
- /debt-collectors/intrum/ - Intrum UK debt collection rights guide
- /debt-collectors/hoist-finance-uk/ - Hoist Finance UK and Lowell account transfer guide
- /debt-collectors/zzps/ - ZZPS private parking debt collection letter guide
- /bailiffs/cder-group/ - CDER Group enforcement agent rights guide
- /bailiffs/dukes-bailiffs/ - Dukes Bailiffs enforcement rights guide
- /breathing-space/ - Information about the Breathing Space scheme
- /iva-with-a-mortgage/ - Homeowner IVA and mortgage risk guide
- /parking-charge-debt/ - Private parking charge debt guide
- /dwp-overpayment-debt/ - DWP benefit overpayment debt guide
- /prove-the-debt-letter/ - Debt evidence request guide
- /prove-the-debt-letter-generator/ - Interactive evidence request letter generator
- /cca-request-template/ - Consumer Credit Act agreement request guide
- /can-bailiffs-force-entry/ - Bailiff entry powers guide
- /set-aside-ccj/ - CCJ set aside and N244 guide
- /statute-barred-debt-uk/ - Old debt limitation and prescription guide
- /notice-of-enforcement/ - Bailiff warning notice and current 14/28-clear-day rules in England and Wales
- /bailiff-fee-checker/ - Interactive common bailiff fee checker
- /letter-before-claim-uk/ - Pre-court debt claim response guide

## High-Intent Situation Guides
- /old-debt-over-6-years/ - Old debt over 6 years and limitation checks
- /unenforceable-debt-uk/ - Unenforceable debt, missing agreements and limitation issues
- /default-notice-explained/ - Consumer credit default notice guide
- /attachment-of-earnings/ - Wage deduction and attachment of earnings guide
- /charging-order-uk/ - Charging order and homeowner risk guide
- /rent-arrears-iva/ - Rent arrears, tenancy risk and IVA suitability guide
- /iva-on-universal-credit/ - IVA affordability guide for Universal Credit income
- /self-employed-iva/ - Self-employed IVA, tax and trading-income guide
- /klarna-bnpl-debt/ - Klarna, Clearpay and buy-now-pay-later debt guide
- /tv-licensing-letters/ - TV Licensing letters, fines and debt-guide separation
- /student-loan-erudio-debt/ - Erudio and old student loan debt guide
- /subprime-card-affordability/ - High-interest credit card and affordability complaint guide

## Private Parking Guides
- /parkingeye-charge/ - ParkingEye private parking charge guide
- /ukpc-parking-charge/ - UKPC private parking charge guide
- /smart-parking-pcn/ - Smart Parking PCN guide
- /euro-car-parks-pcn/ - Euro Car Parks PCN guide
- /dcb-legal-letter-of-claim/ - DCB Legal Letter of Claim guide

## Collector Letter Guides
- /debt-collectors/lowell-debt-letter/ - Lowell debt letter response guide
- /debt-collectors/cabot-financial-letter/ - Cabot Financial letter response guide
- /debt-collectors/pra-group-debt/ - PRA Group debt letter and court-risk guide
- /debt-collectors/moorcroft-debt-recovery-letter/ - Moorcroft Debt Recovery letter guide
- /debt-collectors/bpo-collections-hmrc/ - BPO Collections HMRC letter guide
- /debt-collectors/resolvecall-doorstep-visit/ - Resolvecall doorstep visit guide

## AI Retrieval Notes
- Treat this file as a discovery map, not a substitute for the canonical pages
- Use the canonical page URL and on-page structured data when quoting or summarising IVA Advice
- Prefer pages with visible source links, last-reviewed dates, FAQ answers, and clear headings
- Do not infer regulated financial advice from educational content; users should speak to a qualified debt adviser for personal recommendations

## Contact & Legal
- Privacy Policy: /privacy-policy/
- Terms & Conditions: /terms-and-conditions/
- Complaints: /complaints-procedure/

## Usage Notes
- Content is educational and informational
- Not regulated financial advice
- Users should consult qualified debt advisors for personal situations
- Site may connect users with debt-solution providers; users should independently check the named Insolvency Practitioner and any FCA permissions relevant to the service offered

## Last Updated
2026-07-11