Debt Consolidation IVA Plan







Best Debt Consolidation IVA


Debt Consolidation IVA Plan

Apply for a Debt Consolidation IVA Plan

Independent Advice. No Bankruptcy. No loss of Dignity.

A debt consolidation IVA plan is a debt management programme set up by government to provide a solution to the problem of personal debt and to deal generally with the growing issue of individual insolvency. Our associates are licenced to give advice and do so on the understanding of the fact that IVAs are not designed to be one-size-fits-all remedies to any money problem, because individual circumstances can vary so much.

The needs of one person may vary greatly from the needs of another person. Any IVA advice given must take into account the uniqueness of the situation people find themselves in.

Normally a debt consolidation IVA plan will be set to run for sixty months (sometimes less) and after this all the debts are discharged from a person's credit record. During the time of the IVA no banks are permitted to harass or pursue the debtor in any way. The IVA has all the advantages of bankruptcy and none of the drawbacks.

A debt consolidation IVA plan will write off the larger part of a person's debt at the beginning of the programme (although beware of the claims made in some circles: it is rarely more than 60 or 65% of unsecured debt which may be cancelled in this way). All good IVA advice will make sure that you get the best results with the lowest monthly repayment options together with the greatest percentage of debt write-off at the outset.

So complete the form below for independent and impartial IVA advice for your own personal situation.

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Debt Consolidation IVA Plan: The Bigger Picture


In taking steps to look into a debt consolidation IVA plan you're putting yourself on the road to personal financial well being thereby effectively ensuring a new life for yourself and your family. Any life choices made now will begin the transformation.

IVAs are normally set up to run over the course of a sixty month span, although in some cases it may be adjusted to fit with personal needs. In Scotland, where they are referred to as trust deeds or protected trust deeds, the span is normally 36 months but may be four or five years. With both the IVA and the protected trust deed the debtor client is kept safe from aggressive creditors by the insolvency laws and their debts are completely and utterly written off at the close of the span (however long that may set to run).

An Individual voluntary arrangement is binding and there are some things that the creditors are forbidden to do once the IVA has been drawn up. This embargo includes, but is not limited to, not being allowed to contact you either by phone or by letter, or to attempt to reach you. If the creditor or his one of his agents (i.e. a debt collector) even attempts to contact you during this time then they are in breach of the IVA or debt agreement and would be subject to punishment. Creditors (such as banks, etc.) must stop all letters and phone calls and should not seek to intervene in the business of the debtor client.

Following recent changes in the law, IVAs have brought a kinder way to deal with personal debt. An IVA is an easy alternative to bankruptcy and has none of the shame or stigma attached. It's the best way to handle personal insolvency. Under the new law, a well conducted IVA will write off up to 60 percent (often more than that) of your personal debt at a stroke. Your interest in a debt consolidation IVA plan should be rewarded by the transformation in life quality enabled by it.



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Best debt consolidation IVA plan and independent debt consolidation IVA plan application.

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

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