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An IVA is a form of debt relief plan set up by the government to provide a solution to the problem of personal debt and deal with the issue of individual insolvency. We are licenced to give Individual Voluntary Arrangement advice and do so on the understanding that IVAs are not one-size-fits-all quick fixes to any debt problem, as each individual situation is different.

The needs of one person can be very different from the needs of another person. Any debt advice given must thus reflect the distinctiveness of the situation in which people live.

Normally an Individual Voluntary Arrangement will be set to run for five years and after this has finished all the debts are cleared from a person's credit record. During this time banks or debt collectors are not allowed to contact the debtor. The IVA carries with it all the advantages of bankruptcy and none of the disadvantages of some other types of credit card debt help.

An instrument such as this writes off most of your debt at the beginning of the programme (although beware of the exaggerated claims in some advertising: it is seldom much more than 60 or 65% of total debt which may be 'written off' in this way). All good IVA advice will make sure you get the best results with the lowest monthly repayments together with the highest proportion of debt write-off at the outset.

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

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Credit Card Debt IVA Help: The Bigger Picture

 

It is true that credit card debt IVA help may help folk reorganise their busy lives and improve things generally. It is a carefully structured programme designed to get people like you and me out of their financial difficulties and brought in by the government and designed to enhance the then comparatively draconian individual insolvency laws that were in place then.

An Individual voluntary arrangement is legally binding and there are some things that creditors must not attempt to do now the IVA has been drawn up. This embargo includes not being allowed to telephone you or send you letters, or to contact you at all as long as the IVA exists. If the creditor or his agent (i.e. a debt collector) even attempts to contact you then they are deemed to be in breach of the IVA or debt management agreement and could be punished. All creditors must stop all letters and phone calls and should on no account attempt to intrude in the life of the debtor client.

Individual voluntary arrangements are generally designed to run over a sixty month period, although sometimes it can be adapted to fit in with individual requirements. In Scotland, where these arrangements are called trust deeds or protected trust deeds, the period is normally three years but in some instances may be four or five years. With both the IVA and the trust deed the debtor client is kept safe from predatory creditors by the terms of the agreement and all debts are fully and absolutely discharged at the completion of the term (however long that may be set to run).

Under recent laws ratified by H.M. Government, Individual voluntary arrangements have been made possible. An Individual voluntary arrangement is an 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 government rules, a well constituted IVA will write off up to 60 per cent (sometimes more than this) of your personal debt at a stroke. Your keen interest in credit card debt IVA help would be amply rewarded by the transformation in life enabled by its use.

 

 

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

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