The first step is to request an interim order from the court.
Step two is to talk about your finances and bills.
Step three is to write a proposal.
Step four is for creditors to either accept or reject your plan.
And also It’s a legal process, and you can’t do it on your own. You’ll need the support of an Insolvency Practitioner, who will help you put together the initial IVA proposal, handle all the paperwork, and supervise the IVA throughout its lifetime.