Whenever someone enters an IVA, Debt Relief Order or Bankruptcy the details are entered onto the Insolvency Register, which is a public record of all such court sanctioned debt arrangements. Informal arrangements like Debt Management Programmes or payments which are arranged directly with a creditor, do not appear on the register. The record stays on the register for a total of 15 months, then drops off. Anyone can access the Insolvency Register as it is in the public domain. The only exception is if somebody is placed in a Bankruptcy Restriction, in which case it will remain on the register until the restriction is satisfied.