Insolvency Services


Personal debt solutions

Don’t become trapped in a debt cycle. Umbrella.UK Insolvency provides Individual Voluntary Arrangements (IVA) for those struggling with debt allowing you to take control and move forward.

An IVA is one of several debt solutions that may be appropriate for an individual's circumstances. 

We offer guidance and support in a non-judgmental way and will make the process as straight forward and easy for you as possible. 

With an IVA at Umbrella.UK Insolvency we could help you:

  • Reduce your stress, we will deal with your creditors for you;
  • Understand the options available to you;
  • Only pay what you can afford with any unpaid debt written off;
  • Consolidate your debts into one affordable monthly payment;
  • Regain control of your finances; and
  • Ensure you still have enough to pay your priority bills e.g. Mortgage, rent, council tax.

At Umbrella.UK Insolvency you will get your own dedicated personal adviser to ensure you are fully supported and guided throughout the process.

An IVA differs for each customer depending upon their individual financial circumstances and is subject to the approval of their creditors.

There are no upfront fees to see if an IVA is right for you. It's just 3 simple steps to taking control of your debts.

If you think an IVA could help you please call Umbrella.UK Insolvency for a no obligation review on 0800 611 8888, visit www.umbrella.UK or email us at or click below to get started now. 

Download PDF of R3 - Dealing with money worries - A guide to your options

Download PDF of The Insolvency Service ‘In Debt Dealing with your creditors’

Download PDF of Voluntary Arrangements – A Creditor’s Guide to Insolvency Practitioners Fees

 If an IVA is not appropriate we will refer you to StepChange, a registered debt charity and not for profit organisation, who can advise you about the possible alternatives to an IVA. Visit or call free on 0800 138 1111

*We don’t charge for an initial consultation, but it may lead to an insolvency solution where our pre-appointment costs are reimbursed as part of the fee structure that creditors approve.

Umbrella.UK is a trading name of Umbrella Accountants LLP. Registered Office: Bollin House, Bollin Link, Wilmslow, Cheshire, SK9 1DP: Company Number OC360021. Data Protection Number Z2517380. VAT Registration Number 107346824

Thomas Fox LLB MIPA is an employee of Umbrella Accountants LLP and is licensed to act as an Insolvency Practitioner in the UK by the Insolvency Practitioners Association. Professional Indemnity Insurance - In accordance with the disclosure requirements of the Provision of Services Regulations 2009, the firm’s professional indemnity insurer is Arch Insurance (UK) Limited, 5th Floor, Plantation Place South, 60 Great Tower Street, London, EC3R 5AZ.

The territorial coverage is worldwide excluding professional business carried out in the United States of America or Canada and excludes any action for a claim brought in any court in the USA or Canada.

See our complaints policy. See our privacy policy.

  • 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

  • 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.UK Insolvency who stopped all the phone calls and threatening letters. Umbrella Insolvency 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

  • 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 you for your patience and perseverance throughout that you showed.NP

  • I engaged Tom to arrange an IVA for me after I ran into financial difficulties as a result of the closure of my company. He introduced me to Sarah and both of them as a team worked tirelessly through Lockdown to get the best outcome for me and my family. Both Sarah and Tom were patient, thorough and incredibly compassionate for our situation. They attained the best outcome for us and I couldn't speak more highly of them. Thank you to you both, Amazing work.DH

  • Before I came to Umbrella.UK Insolvency I was in a bad place mentally due to debt because I believed I would be in my current situation for a long time to come. Umbrella Insolvency walked me through my options and helped me pick the best one. I am genuinely amazed at what they managed to do for me and can now afford to live comfortably, and without the constant worry of debt looming over me.MT

  • 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 Insolvency. 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

  • I'd just like to thank both you and Tom for your help with the closure of my company. You have been highly efficient and very professional throughout. Thank you.Tony D

  • Efficient & proactively managed very quickly. Umbrella.UK Insolvency guided me as sole Director of my small limited company, and the shareholders, through every step of a Members Voluntary Liquidation in a very efficient manner. The steps required were clearly laid out and proactively managed by their licensed practitioner. From first meeting through to an interim distribution of funds to shareholders took only a few days in our case. Thereafter, Umbrella will be managing all of the downstream actions required to complete the process with HMRC and Companies House, through to the final discharge of the company.Alex O

  • I extend my appreciation of your professional efficiency in handling my company business and herewith say thank you.Maxine R

  • 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