Credit Card Debt Reduction IVA







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Credit Card Debt Reduction IVA

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Independent Advice. No Bankruptcy. No loss of Dignity.

A credit card debt reduction IVA is a form of debt management plan set up by H M Government to try to eliminate personal debt and deal generally with the growing issue of individual insolvency. Our associates are licenced to give advice on the understanding that Individual voluntary arrangements were not designed to be one-size-fits-all fixes to any financial problem, because each person's circumstances are so different.

The needs of one household or one individual may be very different from the needs of another person. Any IVA advice given must thus reflect the diversity of the situation people find themselves in.

A normal Individual Voluntary Arrangement will be set to run for 60 months and after this completes all debts are cleared from the credit profile. During the time of the IVA none of the banks are permitted to contact the debtor in any way. The IVA carries with it all the benefits of bankruptcy and none of the drawbacks.

An IVA will write off the larger part of your debt at the start of the plan (although be wary of the exaggerated claims made in some circles: it is rarely much more than 60 or 65% of total unsecured debt which can be cancelled in this way). Any decent IVA advice of this nature 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 personal situation.

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Credit Card Debt Reduction IVA: The Bigger Picture


The plan will be carefully compiled by an insolvency practitioner (or IP) who will usually be properly qualified and have a good working knowledge of a credit card debt reduction IVA. The total amount of debt and all of the creditors will be taken together. Incomings and outgoings will also be considered and a monthly balance sheet will be compiled with the consent of both the client and the creditors. Essential bills will be paid before any creditors. Total debt will be decreased in this way by sixty percent or more, and the surplus income is used every month to service any remaining debt in this structured way and on a greatly reduced basis than before.

In finding out about a credit card debt reduction IVA you're putting yourself on the road to personal security thereby effectively ensuring a new beginning. Choices made now will begin the transformation.

An IVA is a legal instrument and there are things that creditors are forbidden to do once the IVA has been put into place. This embargo covers not being able to phone you or write letters to you, or to attempt to reach you for as long as the IVA is in force. If the creditor attempts to contact you during this time they will be in breach of the IVA or debt management plan and would be subject to punishment. Creditors must stop making phone calls and writing letters and should not seek to conflict with the business of the debtor.

Following recent changes in the law, Individual voluntary arrangements have been brought in. An IVA is an easy and acceptable 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 conducted IVA will write off 60 percent (often more) of your personal debt immediately. Your interest in a credit card debt reduction IVA would be well rewarded by the improvement in quality of life brought about by its application.



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

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