How Often are IVAs rejected?

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How often are IVAs rejected and accepted? Below you will uncover how an IVA gets accepted and how often they are accepted. Well also take a look at published data regarding how often they fail and other interesting IVA trends. 

Do many IVAs get rejected?

An IVA proposal will be rejected when less than 75% of your creditors vote to approve it. The most common reason that this happens is that creditors do not believe the monthly payment is high enough. Having an IVA rejected is a real possibility even if your insolvency practitioner is confident that the IVA will be approved. 

How often are IVAs rejected?

There is no data to state how often IVAs get approved across the board. Each individual debt management company or debt charity will have its own rejection rates. You may want to consider these individual rejection rates before choosing a debt charity or debt management company for your IVA proposal. 

What percentage of IVAs are accepted?

The percentage of IVAs that get accepted will vary between different debt charities and financial companies. The percentage of IVAs that get accepted is usually high because insolvency professionals have already assessed your suitability for an IVA before making the IVA proposal. For example, StepChange claims that 98% of their IVA proposal get accepted. 

How does an IVA get accepted?

An IVA is accepted when at least 75% of your creditors agree to the proposal made by your insolvency practitioner. All creditors vote on whether to approve or reject the IVA. Even those that reject the IVA will be included in it if at least 75% of all creditors vote in favour. 

For example, if three out of your four creditors vote to approve the IVA, it will be approved and all four creditors will be included. However, if only two of your four creditors vote in favour of the IVA it will be rejected. 

244 thoughts on “How Often are IVAs rejected?”

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