Credit Card Debt Settlement IVA







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Credit Card Debt Settlement IVA

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Independent Advice. No Bankruptcy. No loss of Dignity.

A credit card debt settlement IVA (Individual Voluntary Arrangement) is a debt management programme set up by government to eliminate personal debt and to deal generally with the issue of personal insolvency. Our associates are licenced to give advice and do so on the basis that Individual voluntary arrangements can never be one-size-fits-all remedies to any problem with money, because each person's circumstances are so different.

The needs of one household can be vastly different from the needs of another person or household. Any debt advice given must take into account the diversity of the situation in which people live.

Generally a credit card debt settlement IVA will run for five years and after this has completed all debt is discharged from a person's record. During the time of the IVA creditors are not allowed to pursue the debtor in any way. The IVA has the advantages of bankruptcy and none of the disadvantages.

An instrument such as this will write off most of a person's debt at the start of the plan (although be wary of the exaggerated claims made in some advertising: it is rarely much more than 60 or 65 per cent of unsecured debt which can be 'written off'). Any good credit card debt settlement IVA advice of this sort will ensure that you get the optimum results with the lowest monthly repayments together with the greatest percentage of debt write-off at the outset.

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

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Credit Card Debt Settlement IVA: The Bigger Picture


It is true that the professional use of a credit card debt settlement IVA may help people reorganise their busy lives. It is a diligently structured plan devised to help people out of their financial difficulty and brought about by government as part of measures to ease the relatively harsh bankruptcy rules that existed largely since the previous century.

An Individual voluntary arrangement is a legal instrument and there are certain things that the creditors must not attempt to do once the IVA has been put into place. This embargo covers not being allowed to get in touch with you by telephone or by letter, or indeed to contact you in any way for as long as this arrangement exists. If the creditor or one of his agents even attempts to contact you they will be in breach of the IVA or debt agreement and could be punished. All creditors (such as banks, credit card companies, etc.) must cease all letters and phone calls and must not attempt to interfere with the business of the debtor client.

individual voluntary arrangements are normally set up to run over a 5 year span, though sometimes this may be augmented to satisfy individual requirements. North of the border, where they are known as protected trust deeds, the span is typically three years but may be 4 or 5 years. In both the IVA and also the trust deed the client is protected from their creditors by the insolvency laws and their debts are completely and utterly written off at the conclusion of the term (however long that may be).

The debt management plan will be carefully compiled by an insolvency practitioner (or I.P.) who will be properly qualified in such matters and have a practical working knowledge of a credit card debt settlement IVA. The total amount of debt and all the creditors will be taken together. Income and expenses will be considered as well and a monthly or weekly balance sheet will be drafted with the knowledge of the client and also the creditors. Important bills will be paid before the creditors are considered. The total capital debt can be diminished by sixty percent or more, and any surplus income is set aside to reduce the remaining debt in a very painless and controlled way and on a much reduced basis.



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

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