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IVA Debt Advice

IVA Debt Advice: The Way Out of your Debt (Without More Debt!)

Apply For The IVA or Debt Relief Plan For Your Own Circumstances

Independent Free Advice. No Bankruptcy. No loss of Dignity.

An IVA is a form of debt management programme set up by H M Government to provide a solution to personal debt and deal with the issue of individual insolvency.

The needs of one household or one individual can vary greatly from the needs of the next. Any IVA advice given must thus reflect the unique nature of the situation people find themselves in.

A normal Individual Voluntary Arrangement will be set to run for five years and after this all debts are discharged from a person's credit record.

An IVA will write off the bulk of your debt at the start of the programme (although be wary of the exaggerated claims made in some circles: it is seldom more than 60 or 65% of unsecured debt which may be 'written off' in this way). Any good IVA debt advice of this sort will ensure you get the best results with the lowest monthly repayments together with the greatest percentage of debt written off at the outset.

So complete the application form for impartial and independent IVA debt advice which is right for your own circumstances.

If you have at least two accounts in debt, and total debts of £2,000 or more, use the form below to see if you qualify. (If you owe less than this, or are on state benefits, then use this link to apply.)



















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Please be aware that figures entered need to be accurate by law, and to give the best service to you. It is extremely important that you budget for all necessary expenditure including rent or mortgage, council tax and utility bills, etc., and any other necessary outgoings related to the upkeep of your household and inrelation to any specific circumstances that may relate to you. This website only collects data on behalf of debt management professionals, from which it will receive affiliate remuneration for data collection only and does not itself engage in any debt management services. Other debt management options are available and may be more suitable. People entering into an IVA or debt management will have this entered on their credit profile and this may affect their ability to get credit in the short term or even in the long term in some cases. It is free to apply from this website; you will be given advice by debt management professionals and a 'cooling off' period, by law, to decide whether or not the debt management plan is suitable for you, and you should be aware that a fee will be chargeable upon a successful arrangement, as with any commercial transaction. Failure to meet the repayments on an IVA or any debt management programme may result in serious consequences, including, but not limited to, bankruptcy. Bankruptcies, CCJs and similar defaults will be entered into a public register and will remain there for a statutory period of not less than six (6) years.

Consumer Credit Licence number 633327.

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IVA debt advice will typically be given by a specialist insolvency practitioner and the resulting IVA or similar debt management plan will be made especially to address the specific requirements. There is no average method to this as each situation is different, and some circumstances are exceedingly different. The selected insolvency practitioner will draw up the best plan according to the client's own individual circumstances and draw up a plan of payments to creditors and this is usually for 60 months, though in certain situations this may be varied.

Good IVA advice is a very useful legal measure and many people would jump at the chance of applying for one of these as it is legally binding and discharges the holder from all debts at the end of the term. It is a much more amiable answer to an individual's debt problem than other harsher instruments such as bankruptcy and carries none of bankruptcy's sting.

Most types of IVA will normally be drafted to serve over a period of 60 months, but often this will vary according to circumstances. At the end of this period the debt is said to be discharged and the client discharged. All debt records registered against the client's name and address will be struck from the credit records.

All governments attempt to help people who are suffering from debt in various ways. There are recognised programmes like The diverse corporate and individual voluntary arrangements to facilitate the procedures of corporate and personal insolvency and to palliate what has always been a highly difficult time, and certainly all good IVA debt advice is an integral part of the solution. The object of this is intended to be toward safeguarding assets wherever possible and also in safeguarding the property of petitioners by statutory means. This applies to both private property and the security of businesses on which individual security depends.

One great benefit of an arrangement like this is that it will immediately cut thedebt by a large proportion. This great reduction in debt makes a substantial difference and is the chief thing that distinguishes an IVA from a conventional debt management plan. So anyone seeking any sort of debt reduction programme should apply for that over a standard debt relief program on all occasions.

In order to be eligible for an IVA the applicant must have a nett income in excess of a certain minimum amount and have debts of more than a specified sum and no greater than a certain sum, and these values may alter from one insolvency company to the next. Normally the income must exceed the repayments after other necessary outgoings have been met including the mortgage and council tax and utility bills. The usual minimal amount of personal debt is around 2,000 although this figure can vary. A ceiling of 50,000 is sometimes imposed, though by going through a broker the client will be steered towards the best source to handle their own particular situation.





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Take a look at the Insolvency Service's leaflet called 'In Debt', downloadable here.


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