Debt Settlement IVA Programme







Best Debt Consolidation IVA


Debt Settlement IVA Programme

Apply Debt Settlement IVA Programme

Independent Advice. No Bankruptcy. No loss of Dignity.

A debt settlement IVA programme (Individual Voluntary Arrangement) is a debt relief plan set up by the government to try to eliminate personal debt and deal generally with the issue of individual insolvency. Our associates are licenced to give advice on the basis of the fact that Individual voluntary arrangements can never be one-size-fits-all cures to any problem with money, because individual circumstances are so different.

The needs of one household can be vastly different from the needs of another person. Any advice given must thus take into account the distinctive nature of the situation in which people find themselves.

Normally a debt settlement IVA programme will be set to run for sixty months and after the term has finished all the debts are cleared from the credit record. During all this time banks are not permitted to harass the debtor in any way. The IVA carries with it all the benefits of bankruptcy while having 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 exaggerated claims in some advertising: it is seldom more than 60 or 65 percent of total unsecured debt which can be 'written off' by this means). All good IVA advice of this nature will ensure you get the best results with the lowest monthly repayment options together with the highest percentage of debt write-off at the outset.

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

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Debt Settlement IVA Programme: The Bigger Picture


In enquiring about a debt settlement IVA programme you are setting yourself on the sure road to personal financial security thereby ensuring a new life for yourself. Any life choices made now will be the start of that process.

IVAs are generally set to run over the course of a sixty month period, although in some cases it may be modified at the outset to become acceptable to personal necessities. In Scotland, where these are known as protected trust deeds, the term is typically 36 months but in some instances may be four or five years. By using both the individual voluntary arrangement and the trust deed the client is defended from predatory creditors by the various insolvency laws and their debts are completely and utterly cleared at the end of the span (however long that may be set to run).

It's certainly true that use of a debt settlement IVA programme may help people reorganise their busy lives. It is a carefully worked out program devised to help ordinary people out of financial difficulty and ratified by the government of the day as part of measures to ease the comparatively draconian insolvency laws that were in place largely since the previous century.

The IVA or debt management plan will be carefully drafted by an insolvency practitioner (or IP as they are often known) who will be academically qualified in such matters and would belong to a relevant professional body and have a good working knowledge of a debt settlement IVA programme. All the debt and all the creditors will be taken into account together. The income and expenditure of the client will also be looked at and a monthly or weekly balance sheet will be drafted with the knowledge of the client and the creditors. Important bills will be paid before any of the creditors are considered. The total capital debt will be cut in this way by sixty percent or more, and any surplus income of the client is then set aside every month to pay off the debt in a very painless and controlled way and on a much reduced basis.



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Best debt settlement IVA programme and independent debt settlement 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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