Debt Reduction IVA Programme







Best Debt Consolidation IVA


Debt Reduction IVA Programme

Apply Debt Reduction IVA Programme

Independent Advice. No Bankruptcy. No loss of Dignity.

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

The needs of one person can be very different from the needs of the next. Any IVA advice given must thus take into account the diversity of the situation in which people find themselves.

A normal debt reduction IVA programme will run for five years and when this has finished all debts are cleared from the credit history. During all this time no banks are allowed to pursue the debtor. The IVA carries with it all the benefits of bankruptcy while having none of the drawbacks.

An IVA will write off most of a person's debt at the beginning of the plan (although be wary of the claims made in some advertising: it is seldom more than 60 or 65% of unsecured debt which may be cancelled in this way). Any good IVA advice of this sort will make sure that you get the best results with the lowest repayments together with the greatest percentage of debt written off at the outset.

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

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Debt Reduction IVA Programme: The Bigger Picture


By making enquiries about a debt reduction IVA programme you're setting yourself on the track to security and therefore ensuring a new life for yourself and your family. Any life choices made now will start this process.

According to a new law brought by the government, IVAs or individual voluntary arrangements have brought a kinder way to deal with personal debt. An IVA is an easy alternative to bankruptcy and carries none of the stigma. It is the civilised way to deal with insolvency or bad debt issues. Persuant to the law, a well constituted IVA will immediately write off up to sixty per cent (sometimes more than that) of your debt at a stroke. Your interest in a debt reduction IVA programme would be well rewarded by the transformation in life enabled by its application.

An Individual voluntary arrangement is legally binding and there are some things that the creditors must never do once the IVA is drawn up. This restriction includes not being permitted to contact you either by letter or by phone, or to contact you in any way for as long as this arrangement exists. If the creditor or one of his agents (a debt collector, for example) even tries to contact you during this time they will be in breach of the IVA or debt management plan and could be punished. Creditors (such as banks, etc.) must stop all phone calls and letters and must not seek to conflict with the business of the debtor.

The IVA will be carefully drafted by an insolvency practitioner (or I.P.) who will generally be qualified in these matters and would belong to a relevant professional body and have a good working knowledge of a debt reduction IVA programme. All of the unsecured debt and the total number of creditors will be taken into account together. Income and expenditure of the client will also be looked at and a monthly or weekly balance sheet will be drawn up with the consent of the client and the creditors. Important bills will be paid before any of the creditors. The total capital sum of debt will be cut in this way by sixty per cent or more, and the monies left over is used to service the debt in a very controlled and painless way and on a significantly reduced basis than before.



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Best debt reduction IVA programme and independent debt reduction 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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