Who are IVA Expert
The IVA Expert mission is to ensure you can make an informed choice about whether an IVA is the best debt solution for you.
Where you choose to go ahead, we will guide you through the application process to make sure your IVA is implemented smoothly.
We share with you all our knowledge of the IVA process built up over the past 25 years. We will give you all the facts (positive and negative) and direct advice and assistance with getting your Arrangement in place.
We are not here to judge. We understand your situation and are here to help resolve your debt problem once and for all.
What do we do?
IVA Expert shares our extensive experience and knowledge of the IVA debt solution through our huge range of information guides. These are written by IVA Expert James Falla and can be found within our Knowledge Hub.
Reading about how an IVA works is one thing. But to really understand if it is right for you, you have to talk to an expert. We give you a free, confidential telephone consultation, explaining all the ins and outs of starting an IVA and what it will mean for you personally.
Once you have decided to start an IVA, we will assist you with the application process. This service is free and includes completing an accurate income and expenses budget with you to ensure your IVA payments are set at an affordable level.
Our IVA Expertise
The information, advice and assistance available through IVA Expert is provided by James Falla.
James has been advising people about how to solve their debt problems for over 25 years. During this time, he has gained a unique and extensive knowledge, not only about the IVA solution, but also the other personal debt solutions such as Debt Management Plans and going bankrupt.
He writes all of the information guides and articles which are found within the IVA Expert Knowledge Hub. He is also is the author of the personal debt advice book “IVA, Bankruptcy and Other Debt Solutions”.
James is an FCA Authorised person. He is the Managing Director of Wilmott Turner Financial Services Limited which has been providing debt solutions for individuals and small companies since 2010.
IVA Expert
James has been advising people about IVAs and other debt solutions for over 20 years. He is an FCA Approved Person and the author of IVA, Bankruptcy and Other Debt Solutions. James writes all the bankruptcy guides found on this site. He has advised 1000s of people about IVAs and personally helped 100s through the IVA process. He has worked with people from all different backgrounds. These include those who are employed, self employed, on receipt of benefits and retired.
Our Experience
Over the last 25 plus years, James Falla has helped hundreds of people start an IVA. This includes those who are employed, self employed, currently not working or retired.
Self employed?
One of IVA Expert’s areas of expertise is helping self employed people start an IVA. We are able to provide specialist advice in areas such as producing your business revenue and cost forecasting. This will enable you to confidently predict your income and what you can afford to pay into your Arrangement. We are also used to dealing with business debts such as money owed to HMRC and business loans.
Living abroad?
If you are living abroad, you may be wondering whether you are able to do an IVA. The answer is you can. We have helped many people start an IVA who have now moved abroad. Whether you are living in another European country or elsewhere we understand the pressures you are under and how you can use an IVA to help.
Already in an IVA?
You may have already started an IVA but are now thinking that it is no longer right for you. Perhaps your income has fallen and the Arrangement is no longer affordable. Perhaps your income has increased meaning you no longer need to be in the Arrangement. We can explain the implications if you stop your IVA and the alternative debt solutions available to you if you do such as a Debt Management Plan or going bankrupt.
Our IVA advice services
Start an IVA
- In depth advice and guidance
- Comprehensive income and expenses review
- Support through the process
Self Employed IVA
- Business revenue and expenses forecast
- Personal income and expenses review
- Support through the process
Cancel IVA and go Bankrupt
- Help with cancelling IVA
- Support with bankruptcy application
- Ongoing 12 month assistance
Mortgage after an IVA
- Guidance and information
- Planning for a mortgage
- Advice on timing and deposit
Completely FREE advice
Confidential conversations
Expert help always at hand
Start an IVA. Write off unaffordable debt and get legal protection for you and your home.
James, I wanted to take a moment to express my deepest gratitude for your invaluable support and guidance throughout the process of resolving my complex financial situation.
I cannot emphasize enough how much your professionalism and friendliness meant to me during this challenging time. Your willingness to listen attentively to my concerns and provide prompt, thorough responses to my inquiries alleviated much of the stress I was experiencing.
Your openness and transparency throughout the process were greatly appreciated and helped me feel reassured every step of the way. I wholeheartedly recommend your services to anyone facing similar challenges. Your support has made a significant difference in my life.
J B Mafa
February 18, 2025
James Falla was fantastic. From start to finish of my IVA he explained everything very clearly. Can’t thank him enough for what he did.
Hannah R
February 15, 2025
James Falla at IVA Expert was non judgemental to our situation. He was extremely knowledgeable and helpful. He put out minds at ease and was very honest each stop of the way.
Gav & Lisa
January 27, 2025
James has been absolutely brilliant, he really knows his stuff and has helped me in finding the best debt solution for my own personal circumstances.
I was in a very dark place before I found James, and he helped me see that there was hope and light at the end of the tunnel. He didn’t judge and doesn’t just read off a script! I don’t know where I would be now without him. A very heartfelt thank you and I would definitely recommend him.
Natalie B
November 25, 2024
James Falla is compassionate and understood the sensitivity of dealing with me.
James, I cannot thank you enough for your help and assistance with my IVA process always there for a chat and guidance where needed even if it was on your own time.
Thank you again for all your help and support.
J Barber
November 4, 2024
James, you were simply fantastic. You guided me through the IVA process perfectly. Your manner with me was impeccable and I could not have wanted more. From the very first meeting I made you aware of my condition which can affect my understanding and you took it upon yourself to make sure I understood the options that were available to me, but more importantly, which options were appropriate for me.
The feeling of relief that this chapter of worry is behind me is down, in the most part, to yourself – had you not been so approachable, I likely would not have felt comfortable discussing my situation with you. The services you offer, and more importantly you, have put at ease the most extended and worrisome years of my life. Thank you
Dan N
October 9, 2024
