Independent IVA Deal

Best Debt Consolidation IVA

Independent IVA Deal

Apply for an Independent IVA Deal

Independent Advice. No Bankruptcy. No loss of Dignity.

An IVA is a debt relief plan set up by the government to provide a solution to personal debt and deal with the growing issue of personal insolvency. Our clients are licenced to give advice and do so on the understanding that IVAs are not designed to be one-size-fits-all quick fixes to any problem with money, because each person's situation is so different. An independent IVA deal responds better to the flexibile needs of different people.

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

Normally an Individual Voluntary Arrangement will be set to run for 60 months (sometimes less) and after the term has finished all debts are cleared from a person's credit record. During the time of the IVA no banks or debt collectors are permitted to harass the debtor. The IVA has the benefits of bankruptcy while having none of the disadvantages.

An instrument such as an independent IVA deal writes off the larger part of your debt at the beginning of the programme (although beware of the claims made in some advertising: it is seldom more than 60 or 65 per cent of total unsecured debt which can be 'written off' in this way). Any decent IVA advice of this sort will make sure you get optimum results with the lowest repayments together with the highest percentage of debt write-off.

So complete the form for impartial and independent advice for your own personal circumstances.

 

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Independent IVA Deal: The Bigger Picture

 

Under recent government law, IVAs or individual voluntary arrangements have been made possible. An Individual Voluntary Arrangement is an easy and acceptable alternative to bankruptcy and has none of the shame or stigma attached. It is the best way to handle personal insolvency. Following government rules, a properly conducted IVA will write off sixty percent (often more than that) of personal debt at a stroke. Your keen interest in an independent IVA deal should be well rewarded by the enhancement in life quality enabled by it.

Not all people would be deemed suitable for an Individual Voluntary Arrangement; there are some restrictions on who can apply. As a rule, people applying need to have a regular income which is verifiable giving them a surplus monthly sum over and above the necessary household outgoings in order to fund the monthly payments, but this needn't be a huge amount by any means. People not qualifying for an independent IVA deal will almost always be eligible for a comparable debt settlement plan.

By enquiring into an independent IVA deal you are setting yourself on the road to personal well being and so effectively ensuring a new beginning. Any choices made now will start this process.

 

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Individual Voluntary Agreement