Debt Reduction IVA Plan







Best Debt Consolidation IVA


Debt Reduction IVA Plan

Apply Debt Reduction IVA Plan

Independent Advice. No Bankruptcy. No loss of Dignity.

A debt reduction IVA plan is a form of debt management programme set up by H. M. Government to try to eliminate personal debt and to deal with the issue of individual insolvency. Our associates are licenced to give Individual Voluntary Arrangement advice and do so on the basis of the fact that Individual voluntary arrangements were not designed to be one-size-fits-all quick fixes to any problem with money, because each person's circumstances are so different.

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

A normal debt reduction IVA plan will be set to run for sixty months (sometimes less) and after the term has finished all the debt is discharged from a person's credit profile. During all this time none of the banks are allowed to harass the debtor. The IVA has the advantages of bankruptcy while having none of the disadvantages.

An instrument such as this will write off the larger part of a person's debt at the start of the programme (although beware of the claims made in some circles: it is rarely more than 60 or 65 percent of unsecured debt which can be cancelled). All good IVA advice of this sort will ensure that you get the optimum results with the lowest monthly repayment options together with the highest percentage of debt written off.

So complete the online form below for impartial advice which is right for your own personal situation.

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Debt Reduction IVA Plan: The Bigger Picture


It is true that a debt reduction IVA plan will help folk reorganise their busy lives and improve their overall sense of well being. It is a carefully worked out program designed to get ordinary people out of their financial difficulties and brought about in the 1980s to ease the relatively draconian individual insolvency laws that were in place largely since the previous century.

The debt management plan will be drawn up by an insolvency practitioner (or I.P.) who will be qualified in such matters and have a good working knowledge of a debt reduction IVA plan. The total amount of debt and the total number of creditors will be considered together. The income and expenditure will be considered as well and a monthly or weekly expenses list will be carefully compiled with the consent of the client and also the creditors. This will allow for the important household expenses to be paid first before the creditors. The total capital sum will be diminished in this way by 60 percent or more, and any money left over is set aside to reduce the remaining debt in this very structured way and on a greatly reduced basis than before.

Under recent laws ratified by H.M. Government, Individual voluntary arrangements have been made possible. An Individual voluntary arrangement is an easy and acceptable substitute for going bankrupt 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 well constituted IVA will immediately write off sixty percent (often more than this) of your personal debt at a stroke. Your interest in a debt reduction IVA plan should be rewarded by the transformation in quality of life enabled by it.

An IVA is binding and there are a number of things that the creditors may not do now the Individual voluntary arrangement has been drawn up. This restriction includes not being permitted to contact you by phone or letter, or indeed to contact you in any way for as long as the IVA is in force. If the creditor or his agent (i.e. a debt collector) attempts to contact you they are in breach of the IVA or debt management agreement. All creditors have to stop phoning and writing letters and must on no account seek to intrude upon the day to day business of the client.



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Best debt reduction IVA plan and independent debt reduction 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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