Credit Card Debt IVA Programme


Credit Card IVA





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Individual Voluntary Agreement

Credit Card Debt IVA Programme

Apply Credit Card Debt IVA Programme

Independent Advice. No Bankruptcy. No loss of Dignity.

A credit card debt IVA programme is a form of debt relief plan set up by government to provide a solution to the problem of personal debt and to deal with the growing issue of individual insolvency. Our associates are licenced to give advice on the basis of the fact that Individual voluntary arrangements are never designed to be one-size-fits-all solutions to any financial problem, as each person's situation is so different.

The needs of one household may vary greatly from the needs of the next. Any debt advice given must thus take into account the unique nature of the situation in which people live.

In general an Individual Voluntary Arrangement will run for sixty months (sometimes less) and when the term is complete all debts are discharged from a person's credit profile. During all this time no creditors are permitted to harass or pursue the debtor in any way. The credit card debt IVA programme carries with it all the advantages of bankruptcy and none of the drawbacks.

An instrument such as this writes off the bulk of your debt at the beginning of the plan (although beware of the exaggerated claims made in some advertising: it is rarely more than 60 or 65% of total debt which may be 'written off' in this way). Any good IVA advice will make sure you get the optimum results with the lowest repayments together with the greatest percentage of debt write-off.

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

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Credit Card Debt IVA Programme: The Bigger Picture


By making enquiries about a credit card debt IVA programme you're putting yourself on the road to probity thereby efficiently ensuring a new life for yourself and your family. Any choices made now will start this process.

The plan will be drawn up by an insolvency practitioner (or IP) who will be academically qualified in such matters and have a good working knowledge of a credit card debt IVA programme. The total amount of unsecured debt and the total number of creditors will be taken into consideration. The income and expenses will also be looked at and a monthly balance sheet will be drafted with the agreement of the client and the creditors. This will allow for the important household expenses to be paid first before the creditors are considered. The total capital debt will be reduced by sixty percent or more, and the excess income of the client is used every month to pay off the debt in a structured way and on a much reduced basis than before.

Following recent changes in the law, Individual voluntary arrangements have been made possible. An Individual voluntary arrangement is an acceptable and easy alternative to going bankrupt 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 properly conducted IVA will write off up to sixty per cent (often more than this) of your personal debt immediately. Your interest in a credit card debt IVA programme would be well rewarded by the enhancement enabled by its use.

Individual voluntary arrangements (IVAs) are usually set up to run over the course of a five year term, although sometimes it may be varied to match personal requirements. In Scotland, where these are called trust deeds or protected trust deeds, the span is generally 36 months but in some instances may be four or five years. With both the Individual voluntary arrangement and the trust deed the client is protected from aggressive creditors by the various insolvency laws and all debts are totally and utterly cleared at the close of the period.



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Best credit card debt IVA programme and independent credit card debt IVA programme application.

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

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