Credit Card Debt Consolidation IVA







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Credit Card Debt Consolidation IVA

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Independent Advice. No Bankruptcy. No loss of Dignity.

A credit card debt consolidation IVA is a debt management programme set up to provide a solution to the problem of personal debt and deal with the issue of personal insolvency. Our associates are licenced to give advice on the understanding of the fact that IVAs are not designed to be one-size-fits-all quick fixes to any money problem, as each individual situation is so different.

The needs of one household may vary greatly from the needs of another. Any IVA advice given must take into account the distinctive nature of the situation people find themselves in.

Generally a credit card debt consolidation IVA will run for five years and when this is complete all the debts are cleared from a person's record. During all this time none of the creditors are permitted to contact the debtor in any way. The IVA has all the advantages of bankruptcy while having none of the disadvantages.

An IVA writes off the bulk of a person's debt at the beginning of the plan (although beware of the claims made in some advertising: it is rarely much more than 60 or 65 per cent of total unsecured debt which may be cancelled in this way). All good IVA advice will make sure you get the best results with the lowest monthly repayments together with the greatest percentage of debt write-off at the outset.

So complete the form below for impartial and independent advice for your own circumstances.

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Credit Card Debt Consolidation IVA: The Bigger Picture


By enquiring into a credit card debt consolidation IVA you're putting yourself on the track to well being and so effectively ensuring a new life for yourself. Choices made now will be the start of that wonderful process.

IVAs are usually designed to run over a 5 year period, though sometimes this can be augmented to accord with personal specifications. North of the border, where these arrangements are called protected trust deeds, the period is generally three years but in some cases may be for four or five years. By using both the IVA and the trust deed the client is safeguarded from creditors by the terms of the agreement and all debts are fully and utterly discharged at the close of the term (however long that may be set).

The debt management plan will be carefully compiled by an insolvency practitioner (or I.P.) who will usually be qualified and would belong to a relevant professional body and have a good working knowledge of a credit card debt consolidation IVA. The whole of the debt and all the creditors will be taken into account together. Incomings and outgoings of the client will also be looked at and a monthly balance sheet will be drawn up with the agreement of the client and the creditors. The important household bills will be paid before any of the creditors are considered. The total capital debt may be cut by 60 per cent or more, and the excess income of the client is then set aside every month to reduce any remaining debt in a controlled way and on a greatly reduced basis.

Following recent changes in the law, individual voluntary arrangements have brought a kinder way to deal with personal debt. An Individual voluntary arrangement is an acceptable and easy alternative to going bankrupt and carries none of the stigma. It's an excellent way to deal with insolvency or bad debt issues. Following the new law, a well constituted IVA will immediately write off sixty percent (occasionally more than that) of your debt immediately. Your interest in a credit card debt consolidation IVA would be well rewarded by the enhancement brought about by it.



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

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