Debt Reduction IVA Help







Best Debt Consolidation IVA


Debt Reduction IVA Help

Apply Debt Reduction IVA Help

Independent Advice. No Bankruptcy. No loss of Dignity.

An IVA (Individual Voluntary Arrangement) is a form of debt relief program set up to provide a solution to personal debt and to deal with the growing issue of personal insolvency. Our associates are licenced to give advice and do so on the understanding that Individual voluntary arrangements are not designed to be one-size-fits-all fixes to any debt problem, as each individual situation is so different.

The needs of one household can vary greatly from the needs of another. Any debt reduction IVA help given must thus take into account the distinctiveness of the situation in which people find themselves.

Normally an Individual Voluntary Arrangement will be set to run for sixty months (sometimes less) and after this completes all debts are cleared from a person's credit record. During this time creditors are not allowed to pursue or harass the debtor. The IVA carries with it all the advantages of bankruptcy and none of the disadvantages.

An IVA writes off the bulk of a person's debt at the beginning of the programme (although be wary of the claims made in some circles: it is rarely more than 60 or 65 percent of unsecured debt which may be 'written off' in this way). Any good debt reduction IVA help will make sure that you get optimum results with the lowest repayment options together with the greatest percentage of debt write-off at the outset.

So fill in the application form for impartial debt reduction IVA help which is right for your own situation.

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Debt Reduction IVA Help: The Bigger Picture


Individual voluntary arrangements (IVAs) are normally configured to run over the course of a sixty month span, although sometimes this can be augmented to fit with individual necessities. In Scotland, where they are known as protected trust deeds, the span is generally three years but in some cases may be four or five years. By using both the Individual voluntary arrangement and also the protected trust deed the client is protected from their creditors by the law and their debts are completely and absolutely written off at the end of the period (however long that may be set to run).

By enquiring into debt reduction IVA help you are setting yourself on the sure road to personal well being and therefore effectively ensuring a new life for yourself and your family. Choices made now will start that process.

An Individual voluntary arrangement is legally binding and there are things that the creditors must not do when the individual voluntary arrangement has been put into place. This restriction includes, but is not limited to, not being able to contact you by phone or by letter, or indeed to contact you in any way for the length of the IVA. If the creditor or his agent (i.e. a debt collecting company) even tries to contact you they will be breaking the law. Creditors have to stop making phone calls and writing letters and must not attempt to hamper the business of the client.

Under recent government law, IVAs or individual voluntary arrangements have been made possible. An IVA is an easy and acceptable alternative to bankruptcy and has none of the shame or stigma attached. It's the civilised way to deal with insolvency or bad debt issues. Under government rules, a well constituted IVA will immediately write off up to 60 percent (sometimes more than that) of your personal debt at a stroke. Your interest in debt reduction IVA help should be well rewarded by the transformation in life quality enabled by its use.



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

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