Bad Credit Debt Consolidation







Best Debt Consolidation

Bad Credit Debt Consolidation



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 bad credit debt consolidation. We are licenced to give advice and do so on the basis of the fact that Individual voluntary arrangements are never one-size-fits-all remedies to any debt problem, because each person's circumstances are different.

The needs of one household or one individual can be vastly different from the needs of another person. Any advice given must thus reflect the distinctiveness of the situation people find themselves in.

In general an Individual Voluntary Arrangement will be set to run for five years (sometimes less) and when this is over all debts are cleared from the credit record. During the time of the IVA none of the banks or debt collectors are allowed to harass the debtor in any way. The IVA has the advantages of bankruptcy while having none of the disadvantages.

An IVA will write off the larger part of your debt at the start of the plan (although be wary of the claims made in some circles: it is rarely more than 60 or 65 percent of total unsecured debt which can be 'written off'). Any good IVA advice will ensure you get the best results with the lowest monthly repayment options together with the highest proportion of debt written off.

So fill in the form for impartial and independent advice which is right for your own circumstances.

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We have a super-quick and highly professional debt consolidation service. A qualified and experienced Insolvency Practitioner will be personally assigned to you and you will get a telephone call back from him or her very quickly (or whenever you specify on the online form).

Why Apply For Bad Credit Debt Consolidation?


According to a new law brought by the government, Individual Voluntary Arrangements have been brought in. An Individual Voluntary Arrangement is an easy and acceptable alternative choice to bankruptcy and has none of the shame or stigma attached. It is the civilised way to deal with insolvency or bad debt issues. Under government rules, a well conducted IVA will immediately write off up to sixty per cent (sometimes more than that) of personal debt immediately. Your interest in bad credit debt consolidation would be amply rewarded by the transformation in quality of life brought about by its use.

Not everyone can qualify for an Individual Voluntary Arrangement; there are certain restrictions on those who may apply. Usually people applying need to have a steady wage or salary and also an amount over and above the necessary household outgoings to fund any repayments, but this needn't be a huge amount by any means. People who do not qualify for an Individual Voluntary Arrangement will almost certainly qualify for a similar debt management plan, therefore it's generally worth applying just to find out.

An IVA is a legal instrument and there are a number of things that creditors may not do when the Individual Voluntary Arrangement is drawn up. This embargo includes not being permitted to contact you by phone or by letter, or to attempt to contact you at all for the duration of the IVA. If the creditor or one of his agents (a debt collector, for example) even attempts to contact you they will be in breach of the insolvency laws and would be subject to punishment. All creditors have to stop phoning and writing letters and must on no account try to hamper the life of the debtor.

It is certainly true that bad credit debt consolidation can help folk reorganise their lives and improve their overall sense of well being. It is a carefully crafted program to help people out of their financial difficulty and brought in by the government in 1986 as part of measures to enhance the then rather draconian individual insolvency laws which were in place at that time.

Now go back up to the application form and change your life today!


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Bad Credit Debt Consolidation

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

OFT Legal Notice




UK Debt Consolidation is an independent website service providing a no-obligation debt consolidation services.


For U.S. residents click here to visit our associates across the pond.