Debt Consolidation IVA







Best Debt Consolidation IVA


Debt Consolidation IVA

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Independent Advice. No Bankruptcy. No loss of Dignity.

An IVA (Individual Voluntary Arrangement) is a debt relief plan set up by H M Government to provide a solution to personal debt and to deal generally with the issue of individual insolvency. Our associates are licenced to give debt consolidation IVA advice on the understanding that IVAs are never one-size-fits-all solutions to any financial problem, because individual situations can vary so much.

The needs of one household or one individual can vary greatly from the needs of another person. Any advice given must reflect the distinctive nature of the situation in which people live.

A normal debt consolidation IVA will run for sixty months (sometimes less) and when this completes all debts are cleared from the credit record. During the time of the IVA banks or debt collectors are not allowed to harass or pursue the debtor in any way. The IVA has all the benefits of bankruptcy while having none of the disadvantages.

A debt consolidation IVA will write off the bulk of your debt at the start of the programme (although beware of the exaggerated claims made in some circles: it is seldom much more than 60 or 65 percent of unsecured debt which can be 'written off'). Any good advice will ensure that you get the best results with the lowest monthly repayment options together with the highest proportion of debt write-off at the outset.

So fill in the form for impartial advice which is right for your own circumstances.

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Debt Consolidation IVA: The Bigger Picture


It is true that the professional use of a debt consolidation IVA may help people reorganise their busy lives and improve things generally. It is a carefully crafted plan designed to get ordinary people out of financial difficulties and ratified by the government in the 1980s as part of measures to ease the comparatively draconian personal insolvency rules which were in place then.

Under recent laws ratified by H.M. Government, IVAs have brought a much kinder way to deal with personal debt. An Individual voluntary arrangement is an easy alternative to going bankrupt and has none of the shame or stigma attached. It's an excellent way to deal with insolvency or bad debt issues. Following the law, a properly constituted IVA will immediately write off up to 60 percent (occasionally more) of your personal debt at a stroke. Your interest in a debt consolidation IVA should be well rewarded by the transformation enabled by its use.

Individual voluntary arrangements (IVAs) are generally designed to run for a 60 month span, although in some circumstances this can be varied to correspond with individual requirements. North of the border, where they are referred to as Protected trust deeds, the term is normally 3 years but in some instances may be over four or five years. With both the IVA and also the trust deed the client is safeguarded from predatory creditors by the law and their debts are fully and utterly removed at the end of the period (however long that may be).

By enquiring into a debt consolidation IVA you're putting yourself on the track to financial probity and therefore ensuring a new life for yourself and your family. Any choices made now will start that process.



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Debt Consolidation IVA



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

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