It is possible to settle or pay back your IVA early making your creditors a reasonable settlement offer via your IVA supervisor. Typically early settlement offers occur because you are able to release equity in your home by remortgaging. Getting your mortgage company to remortgage is often tricky as your credit rating is likely to be poor because of the IVA and what went on before your IVA was accepted. A number of the IVA companies provide remortgage assistance because of this. You may also decide to sell your home to raise the finance necessary to clear your debt and start a fresh. You may also be able to retain some of the balance as a way of starting again. Finally, you may be offered financial assistance from a friend or family member. If this is the case you are able to make a reasonable settlement offer via your IVA Supervisor to settle the debt. Settlement negotiations are exactly that, negotiations. So start with a number very close to the the IVA settlement amount and see how you get on.