The IVA Northern Ireland Debt Test

Fill in the Debt Test form below to find out if you qualify for an IVA or what Debt Solution may be right for you. Put in the correct details and the Debt Test will advise you how to get out of Debt.

STEP 1 - YOUR INCOME AND EXPENSES

YOUR INCOME	£		£
Monthly Salary		Monthly Salary (partner)
BENEFITS
Job Seeker's Allowance		Incapacity Benefit
Child Benefit		Child Tax Credit
Working Tax Credit		Child Maintenance
PENSION/OTHER
Pension		Other (Specify)

		TOTAL INCOME

YOUR EXPENSES	£		£
Mortgage		Rent
2nd charge		Council Tax
Life insurance		Buildings & contents ins
Water rates		Gas
Electricity		Other Fuel
TV Licence		Telephone
Internet		Mobile telephone
Housekeeping (food/toiletries)		Clothing and footwear
Public transport		Car petrol
Car insurance		Car road tax
Car repairs & servicing		Medical expenses
Optical expenses		Dental expenses
Sky		Laundry & dry cleaning
Hairdressing		Pocket money
Newspapers		Sundries & emergencies
Meals at work		Pets
Other (Specify)		Other (Specify)
Other (Specify)		Other (Specify)
Other (Specify)

		TOTAL EXPENDITURE

DISPOSABLE INCOME CALCULATION (INCOME MINUS EXPENSES)

This is how much you could be paying towards your debt. It is the disposable income left after paying your living costs.

STEP 2 - YOUR CREDITORS

CREDITOR NAME (if unknown leave blank)		BALANCE (£)	MONTHLY PAYMENT (£)
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	TOTALS

STEP 3 - YOUR INFORMATION

Name		PLEASE NOTE: Your details are private and confidential. We do not pass your information to any third parties. We only use contact information so we can communicate directly with you in relation to your debts and options.
Telephone 1
Telephone 2 (optional)
Email
Address (optional)

In the UK, consumer credit activities are covered by the Institute of Chartered Accountants in Scotland, Group Licence number G/900011
Complaints Procedure | Insolvency Service Debt Guide | Fees

ivanorthernireland.co.uk is owned by McCambridge Duffy, who provide free debt advice on a variety of debt solutions. A fee is only payable where further services are requested. All fees will be explained in detail and discussed prior to commencement of any debt repayment plan. Repaying debt over a longer period may increase the total amount to be repaid.

Phonecalls: Calls from a landline are normally free. Please consult your provider if you are unsure. Calls from a mobile may be subject to charges. If you get charged just ask us to call you back for free.

The IVA Northern Ireland Debt Test

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