{
  "verified": "2026-08-14",
  "review_by": "2027-02-14",
  "facts": {
    "iva": {
      "protocol_version": {
        "value": "2025",
        "text": "the 2025 IVA Protocol",
        "source": "https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/iva-protocol-2025",
        "note": "Effective 31 March 2025; mandatory for all new protocol IVAs proposed on or after 1 July 2025.",
        "verified": "2026-08-14"
      },
      "standard_term_months": {
        "value": 60,
        "text": "60 months",
        "source": "https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/iva-protocol-2025",
        "note": "Protocol para 8.",
        "verified": "2026-08-14"
      },
      "extended_term_months": {
        "value": 72,
        "text": "72 months",
        "source": "https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/iva-protocol-2025",
        "note": "Protocol paras 8 and 60. Applies in lieu of the equity interest.",
        "verified": "2026-08-14"
      },
      "home_equity_threshold": {
        "value": 10000,
        "text": "\u00a310,000",
        "source": "https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/iva-protocol-2025",
        "note": "Protocol paras 8, 58-60. Raised from \u00a35,000 under the 2021 Protocol. Assessed separately for each consumer in an interlocking IVA.",
        "verified": "2026-08-14"
      },
      "beneficial_interest_method": {
        "value": 0.85,
        "text": "85% of the property's value, minus any secured borrowing such as a mortgage",
        "source": "https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/iva-protocol-2025",
        "note": "Protocol paras 8 and 57.",
        "verified": "2026-08-14"
      },
      "home_realisation": {
        "value": false,
        "text": "A protocol IVA will not include any proposal requiring you to realise your interest in a family home",
        "source": "https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/iva-protocol-2025",
        "note": "Protocol para 53. THIS IS THE 2025 CHANGE. There is no equity-release requirement and no year-five remortgage attempt under the current Protocol.",
        "verified": "2026-08-14"
      },
      "equity_rereview": {
        "value": false,
        "text": "There is no requirement for a further review of the equity value once the IVA is in force",
        "source": "https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/iva-protocol-2025",
        "note": "Protocol para 56. The old year-five revaluation no longer applies.",
        "verified": "2026-08-14"
      },
      "minimum_debt_guidance": {
        "value": 7000,
        "text": "\u00a37,000",
        "source": "https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/iva-protocol-2025",
        "note": "Protocol paras 9 and 14. Not a hard floor: below this the proposal must explain why an IVA is the most appropriate solution.",
        "verified": "2026-08-14"
      },
      "creditor_approval": {
        "value": 0.75,
        "text": "75% by value of the creditors who vote",
        "source": "https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/iva-protocol-2025",
        "note": "Statutory requirement under the Insolvency Rules.",
        "verified": "2026-08-14"
      },
      "credit_file_years": {
        "value": 6,
        "text": "six years from the date the IVA starts",
        "source": "https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/iva-protocol-2025",
        "note": "",
        "verified": "2026-08-14"
      },
      "payment_holidays": {
        "value": 9,
        "text": "up to the equivalent of 9 months' payments",
        "source": "https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/iva-protocol-2025",
        "note": "Protocol para 45. Supervisor discretion, extends the term by up to 12 months.",
        "verified": "2026-08-14"
      },
      "contribution_reduction": {
        "value": 0.2,
        "text": "up to 20%",
        "source": "https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/iva-protocol-2025",
        "note": "Protocol para 46. Supervisor discretion without a creditors' meeting.",
        "verified": "2026-08-14"
      },
      "introducer_rule": {
        "value": true,
        "text": "The Nominee must ensure any third-party referrer or introducer is FCA authorised for debt counselling and, if they are not, direct the consumer to obtain advice from someone who is",
        "source": "https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/iva-protocol-2025",
        "note": "Protocol para 30. Directly relevant to any lead-generation model.",
        "verified": "2026-08-14"
      },
      "unsuitable_indicators": {
        "value": [
          "disputed debts",
          "investments such as shares or bonds",
          "a likely lump sum settlement",
          "sole trader with trade debts",
          "very high property equity",
          "an interest in more than one property, or a buy-to-let"
        ],
        "text": "indicators that a protocol IVA is unsuitable",
        "source": "https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/iva-protocol-2025",
        "note": "Protocol para 20.",
        "verified": "2026-08-14"
      }
    },
    "dro": {
      "max_debt": {
        "value": 50000,
        "text": "\u00a350,000",
        "source": "https://www.gov.uk/options-for-paying-off-your-debts/debt-relief-orders",
        "note": "",
        "verified": "2026-08-14"
      },
      "max_surplus": {
        "value": 75,
        "text": "\u00a375 a month",
        "source": "https://www.gov.uk/options-for-paying-off-your-debts/debt-relief-orders",
        "note": "",
        "verified": "2026-08-14"
      },
      "max_assets": {
        "value": 2000,
        "text": "\u00a32,000",
        "source": "https://www.gov.uk/options-for-paying-off-your-debts/debt-relief-orders",
        "note": "",
        "verified": "2026-08-14"
      },
      "max_vehicle": {
        "value": 4000,
        "text": "\u00a34,000",
        "source": "https://www.gov.uk/options-for-paying-off-your-debts/debt-relief-orders",
        "note": "A vehicle adapted for a disability is disregarded.",
        "verified": "2026-08-14"
      },
      "fee": {
        "value": 0,
        "text": "no application fee",
        "source": "https://www.gov.uk/options-for-paying-off-your-debts/debt-relief-orders",
        "note": "The \u00a390 fee was abolished in April 2024.",
        "verified": "2026-08-14"
      },
      "moratorium_months": {
        "value": 12,
        "text": "12 months",
        "source": "https://www.gov.uk/options-for-paying-off-your-debts/debt-relief-orders",
        "note": "",
        "verified": "2026-08-14"
      },
      "credit_file_years": {
        "value": 6,
        "text": "six years",
        "source": "https://www.gov.uk/options-for-paying-off-your-debts/debt-relief-orders",
        "note": "",
        "verified": "2026-08-14"
      },
      "homeowner": {
        "value": false,
        "text": "You cannot get a DRO if you own your home",
        "source": "https://www.gov.uk/options-for-paying-off-your-debts/debt-relief-orders",
        "note": "",
        "verified": "2026-08-14"
      },
      "intermediary": {
        "value": true,
        "text": "You must apply through an approved intermediary, which is always free",
        "source": "https://www.gov.uk/options-for-paying-off-your-debts/debt-relief-orders",
        "note": "Nobody should charge you for a DRO application.",
        "verified": "2026-08-14"
      }
    },
    "bankruptcy": {
      "fee_ew": {
        "value": 680,
        "text": "\u00a3680",
        "source": "https://www.gov.uk/apply-for-bankruptcy",
        "note": "\u00a3130 adjudicator fee plus \u00a3550 deposit.",
        "verified": "2026-08-14"
      },
      "fee_ew_adjudicator": {
        "value": 130,
        "text": "\u00a3130",
        "source": "https://www.gov.uk/apply-for-bankruptcy",
        "note": "",
        "verified": "2026-08-14"
      },
      "fee_ew_deposit": {
        "value": 550,
        "text": "\u00a3550",
        "source": "https://www.gov.uk/apply-for-bankruptcy",
        "note": "",
        "verified": "2026-08-14"
      },
      "fee_ni": {
        "value": 647,
        "text": "\u00a3647",
        "source": "https://www.nidirect.gov.uk/articles/individual-voluntary-arrangements",
        "note": "",
        "verified": "2026-08-14"
      },
      "discharge_months": {
        "value": 12,
        "text": "usually 12 months",
        "source": "https://www.gov.uk/apply-for-bankruptcy",
        "note": "",
        "verified": "2026-08-14"
      },
      "ipa_years": {
        "value": 3,
        "text": "up to 3 years",
        "source": "https://www.gov.uk/apply-for-bankruptcy",
        "note": "An Income Payments Agreement can run past discharge.",
        "verified": "2026-08-14"
      },
      "credit_file_years": {
        "value": 6,
        "text": "six years",
        "source": "https://www.gov.uk/apply-for-bankruptcy",
        "note": "",
        "verified": "2026-08-14"
      },
      "route": {
        "value": "online",
        "text": "You apply online to an adjudicator. There is no court hearing.",
        "source": "https://www.gov.uk/apply-for-bankruptcy",
        "note": "",
        "verified": "2026-08-14"
      }
    },
    "breathing_space": {
      "standard_days": {
        "value": 60,
        "text": "60 days",
        "source": "https://www.gov.uk/options-for-paying-off-your-debts/breathing-space",
        "note": "",
        "verified": "2026-08-14"
      },
      "mh_duration": {
        "value": null,
        "text": "the length of the mental health crisis treatment, plus 30 days",
        "source": "https://www.gov.uk/options-for-paying-off-your-debts/breathing-space",
        "note": "",
        "verified": "2026-08-14"
      },
      "frequency": {
        "value": 12,
        "text": "once in any 12-month period",
        "source": "https://www.gov.uk/options-for-paying-off-your-debts/breathing-space",
        "note": "Applies to the standard scheme; the mental health crisis scheme is not limited this way.",
        "verified": "2026-08-14"
      },
      "access": {
        "value": true,
        "text": "It must be started by an FCA-authorised debt adviser. You cannot apply directly.",
        "source": "https://www.gov.uk/options-for-paying-off-your-debts/breathing-space",
        "note": "",
        "verified": "2026-08-14"
      },
      "nations": {
        "value": [
          "England",
          "Wales"
        ],
        "text": "England and Wales only",
        "source": "https://www.gov.uk/options-for-paying-off-your-debts/breathing-space",
        "note": "",
        "verified": "2026-08-14"
      }
    },
    "scotland": {
      "trust_deed_years": {
        "value": 4,
        "text": "normally 4 years",
        "source": "https://www.aib.gov.uk/",
        "note": "",
        "verified": "2026-08-14"
      },
      "das_interest": {
        "value": true,
        "text": "Interest and charges are frozen by law",
        "source": "https://www.aib.gov.uk/",
        "note": "",
        "verified": "2026-08-14"
      },
      "das_writeoff": {
        "value": false,
        "text": "A Debt Arrangement Scheme writes off nothing. You repay in full.",
        "source": "https://www.aib.gov.uk/",
        "note": "",
        "verified": "2026-08-14"
      },
      "map_max_debt": {
        "value": 25000,
        "text": "\u00a325,000",
        "source": "https://www.aib.gov.uk/",
        "note": "Minimal Asset Process upper limit.",
        "verified": "2026-08-14"
      },
      "no_iva": {
        "value": true,
        "text": "IVAs and Debt Relief Orders do not exist in Scotland",
        "source": "https://www.aib.gov.uk/",
        "note": "",
        "verified": "2026-08-14"
      }
    }
  }
}