Debt Consolidation IVA Programme







Best Debt Consolidation IVA


Debt Consolidation IVA Programme

Apply for a Debt Consolidation IVA Programme for Free

Independent Advice. No Bankruptcy. No loss of Dignity.

A debt consolidation IVA programme is a debt management plan set up to provide a solution to the problem of personal debt and deal generally with the issue of personal insolvency. Our associates are licenced to give Individual Voluntary Arrangement advice on the understanding of the fact that IVAs are never designed to be one-size-fits-all solutions to any money problem, as individual situations can vary so much.

The needs of one household may be vastly different from the needs of another person. Any debt consolidation IVA programme must thus reflect the uniqueness of the situation in which people live.

In general an IVA will run for sixty months and after the term has finished all debt is cleared from a person's credit profile. During all this time none of the creditors are permitted to pursue or harass the debtor. The IVA has all the benefits of sequestration and none of the drawbacks.

A debt consolidation IVA programme writes off most of your debt at the start of the programme (although beware of the claims made in some advertising: it is rarely much more than 60 or 65 per cent of total unsecured debt which may be cancelled in this way). All good IVA advice of this sort will make sure you get the best results with the lowest monthly repayment options together with the highest percentage of debt write-off at the outset.

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

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Debt Consolidation IVA Programme: The Bigger Picture


It is certainly the case that the careful use of a debt consolidation IVA programme may well help folk reorganise their lives and improve things generally. It is a carefully crafted plan designed to get people out of their financial difficulties and brought in by h. m. government in the mid 1980s and designed to ease the existing rather harsh individual insolvency rules that existed largely since the previous century.

IVAs or individual voluntary arrangements are generally designed to run for a five year term, though it may be changed to correspond with personal requirements. North of the border, where these are referred to as protected trust deeds, the span is usually 3 years but in some cases may be for four or five years. With both the individual voluntary arrangement and the protected trust deed the debtor client is safeguarded from creditors by the insolvency laws and all debts are fully and utterly cleared at the close of the span (however long that may set to run).

An Individual voluntary arrangement is a legal instrument and there are certain things that creditors must never do once the IVA has been put into place. This embargo includes not being able to contact you by phone or letter, or to contact you in any way. If the creditor or his one of his agents (i.e. a debt collecting company) tries to contact you then they will be in breach of the insolvency laws and could be punished. All creditors must stop all phone calls and letters and must on no account try to frustrate the business of the debtor.

The IVA or debt management plan will be compiled by an insolvency practitioner (or IP as they are sometimes known) who will generally be academically qualified (and who will normally be a member of an appropriate profession or similar background) and have a working knowledge of a debt consolidation IVA programme. All of the unsecured debt and all the creditors will be taken into consideration. Income and expenditure will also be considered and a monthly or weekly balance sheet will be carefully drafted with the agreement of both the client and the creditors. Essential household bills will be paid first before the creditors. The total capital debt can be cut by 60 percent or more, and the excess income of the client is set aside every month to reduce the debt in this very painless way and on a considerably reduced basis than before.



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Best debt consolidation IVA programme and independent debt consolidation 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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