Insolvency Services


Personal debt solutions

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

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 we can 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 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 for a no obligation review on 0800 611 8888 or email us at or click below to get started now. 

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

Download PDF of the Association of Business Recovery Professionals ‘Is a voluntary Arrangement right for me?’

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


Testimonials from clients of Umbrella 

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 (January 2017)

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 who stopped all the phone calls and threatening letters. Umbrella explained things in 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 (December 2016)

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

Excellent customer service. Staff always helpful. Thank you. Lyndsay S

Very professional approach, always there for you to help, outstanding guidance.   Thank you so much for all. Joanna B

Very supportive and helpful at dealing with financial problems Sue KL



Umbrella IVA is provided by Umbrella Accountants LLP   who are authorised and regulated by the Financial Conduct Authority.

Registered Office: Bollin House, Bollin Link, Wilmslow, Cheshire, SK9 1DP: Company Number OC360021. Data Protection Number Z2517380. VAT Registration Number 107346824
Umbrella, Umbrella IVA and Umbrella Insolvency are trading styles of Umbrella Accountants LLP.

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 Hiscox Underwriting Limited of 1 Great St. Helens, London, EC3A 6HX. 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.

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