Debt Reduction IVA Advice







Best Debt Consolidation IVA


Debt Reduction IVA Advice

Apply Debt Reduction IVA Advice

Independent Advice. No Bankruptcy. No loss of Dignity.

An IVA is a form of debt relief plan set up by the government to provide a solution to the problem of personal debt and deal generally with the issue of individual insolvency. Our associates are licenced to give debt reduction IVA advice on the basis of the fact that Individual voluntary arrangements are not designed to be one-size-fits-all solutions to any money problem, because each individual situation is different.

The needs of one household or one individual may vary greatly from the needs of the next. Any advice given must thus reflect the unique nature of the situation in which people find themselves.

Generally an IVA will run for five years (sometimes less) and when the term is over all the debt is cleared from the credit record. During the time of the IVA no banks are allowed to harass or pursue the debtor in any way. The IVA has all the advantages of bankruptcy and none of the drawbacks.

An instrument such as this writes off the bulk of a person's debt at the beginning of the programme (although beware of the claims in some advertising: it is rarely much more than 60 or 65 per cent of unsecured debt which can be 'written off'). All good debt reduction IVA advice of this nature will ensure that you get the optimum results with the lowest monthly repayments together with the greatest percentage of debt written off.

So complete the application form below for impartial and independent advice which is right for your own personal circumstances.

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Debt Reduction IVA Advice: The Bigger Picture


Under recent laws ratified by H.M. Government, Individual voluntary arrangements (IVAs) have been made possible. An Individual voluntary arrangement is an easy alternative to bankruptcy and has none of the shame or stigma attached. It is an excellent way to deal with insolvency or bad debt issues. In accordance with the new law, a properly constituted IVA will immediately write off up to sixty percent (occasionally more than that) of personal debt at a stroke. Your keen interest in debt reduction IVA advice should be well rewarded by the transformation in quality of life brought about by it.

Individual voluntary arrangements are usually set to run for a 60 month period, although sometimes it may be adapted at the outset to fit in with individual necessities. North of the border, where such arrangements are called Protected trust deeds, the span is typically 3 years but may be for four or five years. With both the IVA and the protected trust deed the debtor client is protected from aggressive creditors by the law and all debts are totally and absolutely discharged at the completion of the term (however long that may be).

The debt management plan or IVA will be carefully drafted by an insolvency practitioner who is academically qualified and have a working knowledge of debt reduction IVA advice. The total amount of unsecured debt and all of the creditors will be taken into account. Incomings and outgoings will also be considered and a monthly expenses list will be carefully compiled with the knowledge of the client and the creditors. Essential household expenditure will be paid first before any of the creditors are considered. The total capital debt can be decreased by sixty per cent or more, and any surplus income of the client is set aside to reduce the remaining debt in a controlled way and on a considerably reduced basis.

An IVA is a legally binding document and there are some things that the creditors are forbidden to do now the IVA is in place. This restriction includes, but is not limited to, not being able to contact you by phone or letter, or to contact you in any way at all. If the creditor or his agent (i.e. a debt collecting company) tries to contact you then they are breaking the law and could be punished by the courts. Creditors (such as banks, etc.) have to stop calling and writing letters and must on no account try to impede the life of the client.



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Best debt reduction IVA advice and independent debt reduction IVA advice application.

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

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