Credit Card Debt IVA Advice


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Independent Advice. No Bankruptcy. No loss of Dignity.

An IVA (Individual Voluntary Arrangement) is a debt relief plan set up by the government of the day to try to eliminate personal debt and to deal with the issue of individual insolvency. Our associates are licenced to give advice and do so on the basis of the fact that Individual voluntary arrangements can never be one-size-fits-all fixes to any financial problem, because each individual situation is so different.

The needs of one person can be very different from the needs of the next. Any advice given must thus reflect the diversity of the situation people find themselves in.

Normally an IVA will be set to run for five years (sometimes less) and when this has finished all debts are cleared from the credit record. During this time creditors are not allowed to contact the debtor in any way. The IVA has the advantages of bankruptcy while having none of the disadvantages.

An IVA will write off the bulk of a person's debt at the start of the plan (although be wary of the exaggerated claims in some advertising: it is rarely more than 60 or 65 per cent of total unsecured debt which can be cancelled in this way). All good IVA advice of this sort will ensure that you get the optimum results with the lowest monthly repayment options together with the highest proportion of debt written off at the outset.

So fill in the form below for impartial advice which is right for your own personal circumstances.

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Credit Card Debt IVA Advice: The Bigger Picture


By taking steps to look into credit card debt IVA advice you are putting yourself on the road to security and so efficiently ensuring a new life for yourself and your family. Choices made now will be the beginning of that process.

An IVA is legally binding and there are certain things that the creditors must never do when the IVA has been drawn up. This embargo covers not being permitted to phone you or send you letters, or to contact you in any way. If the creditor or his one of his agents (i.e. a debt collector) tries to contact you they are in breach of the IVA and would be subject to punishment. Creditors (such as banks, etc.) must cease making phone calls and writing letters and must on no account try to intrude in the life of the client.

Following recent changes in the law, individual voluntary arrangements have brought a much kinder way to deal with personal debt. An individual voluntary arrangement is an acceptable substitute for going bankrupt and carries none of the stigma. It is the best way to handle personal insolvency. Under the new law, a properly conducted IVA will immediately write off up to 60 percent (often more) of personal debt at a stroke. Your keen interest in credit card debt IVA advice would be well rewarded by the improvement brought about by its application.

individual voluntary arrangements are generally set to run over the course of a 60 month span, though sometimes it can be varied at the outset to become acceptable to individual requirements. North of the border, where such arrangements are referred to as protected trust deeds, the period is usually 3 years but in some instances may be for four or five years. With both the Individual voluntary arrangement and the protected trust deed the debtor client is kept safe from creditors by the various insolvency laws and their debts are completely and absolutely written off at the end of the term.



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

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