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Dis Individual Voluntary Arrangement Ic . If you're struggling with your iva payments. This means it’s approved by. Individual Voluntary Arrangement Is an IVA right for me? from lerablog.org An individual voluntary arrangement (iva) is a formal agreement between you and your creditors that can help you repay your debts at an affordable amount. At the end of your iva any unsecured. If your creditors are still contacting you.