AFA Insolvency: who they are and what to do if your IVA is with them
Have an IVA with AFA Insolvency, or a letter from them? Here is who they are, what to do if you are struggling, and where to go if something goes wrong.
Applies to: England, Wales & Northern Ireland (trust deeds in Scotland)
What to do now
- If you have an IVA with them and are struggling, contact them before you miss a payment.
- Check the alternatives to an IVA before agreeing to one.
- Free, impartial advice is available from charities such as StepChange and National Debtline.
At a glance
| What it does | IVA, Debt Management Plan, Debt Relief Order, Bankruptcy |
|---|---|
| Company | AFA Insolvency Limited (Companies House no. 12508763) |
| Based in | Manchester |
| Insolvency practitioners | Its website says its named insolvency practitioner is licensed by the Institute of Chartered Accountants in England and Wales (ICAEW). |
| Website | www.afainsolvency.co.uk |
Who AFA Insolvency are
AFA Insolvency is a Manchester-based insolvency firm that provides IVAs. Its website also covers debt management, Debt Relief Orders and bankruptcy. Insolvency Service statistics list it among the largest IVA providers in 2025, with 3,341 new IVAs (4.6%).
If you already have an IVA with AFA Insolvency
- Struggling with a payment? Tell your supervisor straight away. Most IVAs allow a payment break or a reduced payment if your circumstances change. IVA payment breaks.
- Missed payments? Missing payments can lead to your IVA failing. Act before it gets to that. Missed an IVA payment.
- Annual review coming up? You will be asked about your income and spending each year. What happens at an annual review.
- Money coming in? A windfall, inheritance or pay rise may have to go into the IVA. IVA windfalls.
- Thinking of ending it? There are routes out, including switching to another solution. Switching from an IVA.
How to complain about AFA Insolvency
Its complaints procedure aims to resolve complaints within 3 working days. Otherwise the Complaints Department acknowledges the complaint in writing, aims to give a final response within 4 weeks and responds no later than 8 weeks. If you are unhappy with the final response, or have concerns about the insolvency practitioner's conduct, you can use the Insolvency Service Complaints Gateway. The firm notes that neither the ICAEW nor the Insolvency Service can award financial compensation or intervene in individual cases.
If you are unhappy with how an insolvency practitioner has acted, you can complain to the Insolvency Service Complaints Gateway, which passes complaints to the practitioner’s licensing body.
If you are thinking about an IVA
An IVA is a legally binding agreement to pay part of what you owe over usually five or six years. It suits some people and not others, and the provider is paid from your payments. Before you agree to one with any firm, read how IVA companies make money and compare the alternatives to an IVA. Free advice is always available.
Independent page. My Debt Cleared is not connected with AFA Insolvency. We do not review or rate firms. Details were checked against the firm’s own website and official records on 21 October 2026.
You never have to pay for debt advice. MoneyHelper (government-backed), StepChange, National Debtline and Citizens Advice all give free, confidential advice with no obligation.
Common questions
Is AFA Insolvency a debt charity?
No. AFA Insolvency is a commercial firm. Free debt advice is available from charities such as StepChange and National Debtline.
What should I do if I can't pay my AFA Insolvency IVA?
Contact AFA Insolvency straight away and ask about a payment break or a reduced payment. Missing payments without telling them can lead to the IVA failing.
How do I complain about AFA Insolvency?
Use AFA Insolvency's own complaints procedure first. If you are unhappy with how an insolvency practitioner acted, you can complain to the Insolvency Service Complaints Gateway.