Do I need to include all my debts in the IVA?

In general, all your unsecured debts should be included in the IVA. This is because you must show that you are trying to treat all your creditors equally. It is possible in some cases, to exclude a creditor from the arrangement. For example, if you are running a business that relies entirely on a particular supplier, it may be argued that any debt owed to them needs to be prioritised to maintain the relationship; without that supplier, the business would close, and an IVA would not be sustainable.