Guides
Preparing to finish your IVA, DRO, DMP or Trust Deed
What to do while your solution is still running, so you're ready the day it ends, with a guide for each solution.
Written and reviewed by the AfterMy team · Last reviewed October 2026
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What can you do while your debt solution is still running?
Plenty. Getting your file and your paperwork in order now means you're ready the day your solution ends.
- Check your credit file: make sure the debts in your solution are recorded correctly.
- Get on the electoral roll: it helps lenders confirm who you are.
- Keep your paperwork: you'll want it when your solution ends.
Can you borrow during a debt solution?
Borrowing during an arrangement has rules attached, and they differ from one solution to another. The guide for your solution explains what applies to you.
What happens when your debt solution ends?
How it ends depends on your solution: an IVA ends with a completion certificate and a Trust Deed with your trustee's confirmation of your discharge date, while a DRO ends without one.
Once it has ended, check that your credit file shows it as finished.
After an IVA
5 guidesCredit cards during an IVA
The £500 rule, and why waiting until completion is usually smart.
Borrowing during an IVA
The £500 rule, lender reality, and why waiting usually wins.
What happens when my IVA ends
The completion certificate, your credit file, and what to do next.
Your IVA completion certificate
What it is, when it arrives, and how to chase it.
How long does an IVA last?
An IVA runs to the term set in your own proposal, and yours can run longer.
After a DRO
2 guidesAfter a DMP
3 guidesAfter a Trust Deed
1 guideQuestions
Frequently asked questions
Can I start rebuilding my credit before my solution ends?
You can get ready: check your credit file, get on the electoral roll and keep your details accurate. Borrowing during an arrangement has rules attached.
Will I be told when my solution has finished?
It depends on your solution. An IVA usually ends with a completion certificate and a Trust Deed with your trustee's confirmation of your discharge date. A DRO ends without one.
What should I keep from my solution?
Keep any completion certificate, confirmation of your discharge date and final statements. They help if your credit file needs correcting later.
Come back when your IVA, DRO, DMP or Trust Deed has finished.
Until then, the guide for your solution explains the rules that apply while it's running.