Guides
Your IVA provider: what happens when your IVA ends
What your IVA provider does at the end of your IVA, the paperwork you should receive, and a guide for each IVA provider we cover.
Free to use, no obligation. The plan itself won't affect your credit score.
Written and reviewed by the AfterMy team · Last reviewed October 2026
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What does your IVA provider do when your IVA ends?
Your insolvency practitioner checks the final payments and closes the IVA. Once it's closed, you should receive a completion certificate.
Your creditors are told that the IVA has ended, so the accounts in it can be updated on your file.
What should you receive when your IVA ends?
Keep everything your provider sends at the end of your IVA.
- A completion certificate: your proof the IVA has finished.
- Usually a final statement: what was paid in and out of your IVA.
- Any letters to your creditors: useful if an account isn't updated.
What if your IVA provider is slow to close your IVA?
Contact them and ask when the IVA will be closed and the certificate issued. If you're unhappy with how it's handled, your provider has a complaints process.
After an IVA
38 guidesFinished your IVA with Creditfix?
What your completion certificate means, and what to do next.
Finished your IVA with The Insolvency Group?
What your completion certificate means, and what to do next.
Finished your IVA with StepChange?
What your completion certificate means, and what to do next.
Finished your IVA with PayPlan?
What your completion certificate means, and what to do next.
Finished your IVA with Hanover Insolvency?
What your completion certificate means, and what to do next.
Finished your IVA with Kingsgate Insolvency?
What your completion certificate means, and what to do next.
Finished your IVA with Knightsbridge Insolvency?
What your completion certificate means, and what to do next.
Finished your IVA with ARM Insolvency? Here's what's next.
Independent guide: finished an IVA with ARM Insolvency? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Anchorage Chambers? Here's what's next.
Independent guide: finished an IVA with Anchorage Chambers? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Debt Movement? Here's what's next.
Independent guide: finished an IVA with Debt Movement? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with AFA Insolvency? Here's what's next.
Independent guide: finished an IVA with AFA Insolvency? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with United Insolvency? Here's what's next.
Independent guide: finished an IVA with United Insolvency? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with IVA Help? Here's what's next.
Independent guide: finished an IVA with IVA Help? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Financial Guidance Group? Here's what's next.
Independent guide: finished an IVA with Financial Guidance Group? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Swift Insolvency Solutions? Here's what's next.
Independent guide: finished an IVA with Swift Insolvency Solutions? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with The Insolvency Guidance Group? Here's what's next.
Independent guide: finished an IVA with The Insolvency Guidance Group? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Logan Whyte? Here's what's next.
Independent guide: finished an IVA with Logan Whyte? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Forest King? Here's what's next.
Independent guide: finished an IVA with Forest King? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with UK Debt Expert Group? Here's what's next.
Independent guide: finished an IVA with UK Debt Expert Group? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with J3 Debt Solutions? Here's what's next.
Independent guide: finished an IVA with J3 Debt Solutions? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Aperture? Here's what's next.
Independent guide: finished an IVA with Aperture? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Freeman Jones? Here's what's next.
Independent guide: finished an IVA with Freeman Jones? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with My Debt Plan? Here's what's next.
Independent guide: finished an IVA with My Debt Plan? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Barrington Shepherd? Here's what's next.
Independent guide: finished an IVA with Barrington Shepherd? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Quality Insolvency Services? Here's what's next.
Independent guide: finished an IVA with Quality Insolvency Services? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Bennett Jones? Here's what's next.
Independent guide: finished an IVA with Bennett Jones? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Pareto Money Management? Here's what's next.
Independent guide: finished an IVA with Pareto Money Management? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Vanguard Insolvency? Here's what's next.
Independent guide: finished an IVA with Vanguard Insolvency? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with The Insolvency Practice? Here's what's next.
Independent guide: finished an IVA with The Insolvency Practice? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Parker Philips? Here's what's next.
Independent guide: finished an IVA with Parker Philips? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Advice Centre Group? Here's what's next.
Independent guide: finished an IVA with Advice Centre Group? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Financial Support Systems? Here's what's next.
Independent guide: finished an IVA with Financial Support Systems? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with The IVA Advisor? Here's what's next.
Independent guide: finished an IVA with The IVA Advisor? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Abbotts Insolvency? Here's what's next.
Independent guide: finished an IVA with Abbotts Insolvency? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Unity Corporation? Here's what's next.
Independent guide: finished an IVA with Unity Corporation? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with MoneyPlus? Here's what's next.
Independent guide: finished an IVA with MoneyPlus? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with McCambridge Duffy? Here's what's next.
Independent guide: finished an IVA with McCambridge Duffy? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Lawson Fox? Here's what's next.
Independent guide: finished an IVA with Lawson Fox? How to contact them, get your completion certificate and check your credit file.
Finished your debt solution? Your Comeback Plan maps your dates and shows options from our panel you may be able to apply for. It is not advice, and acceptance is never guaranteed.
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Frequently asked questions
Do I need my IVA completion certificate?
Yes, keep it. It's your proof the IVA has finished, and it helps if anything on your credit file needs correcting.
Will my IVA provider update my credit file?
Your creditors update the accounts on your file. If anything still shows as open once your IVA has ended, you can ask the credit reference agency to correct it.
What if my IVA is now handled by a different firm?
Your IVA letters and your Individual Insolvency Register entry name your supervisor and their firm. The guide for your provider explains who to contact.
Ready when you are
Your Comeback Plan maps your dates and shows options from our panel you may be able to apply for. It is not advice, and acceptance is never guaranteed.
Start your Comeback Plan