Independent IVA Offer

Best Debt Consolidation IVA

Independent IVA Offer

Apply Independent IVA Offer

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 generally with the growing issue of individual insolvency. We are licenced to give IVA advice and do so on the understanding that Individual voluntary arrangements were not designed to be one-size-fits-all quick fixes to any debt problem, as each individual situation is different. Any independent IVA offer made will reflect these circumstances.

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

A normal Individual Voluntary Arrangement will be set to run for five years (sometimes less) and when the term completes all the debts are cleared from a person's credit profile. During all this time creditors are not permitted to harass or pursue the debtor. The IVA carries with it all the advantages of bankruptcy and none of the drawbacks.

An instrument such as an independent IVA offer will write off the larger part of a person's debt at the beginning of the plan (although be wary of the exaggerated claims made in some circles: it is seldom more than 60 or 65 per cent of unsecured debt which may be 'written off' in this way). Any good IVA advice of this nature will ensure that you get optimum results with the lowest repayments together with the highest proportion of debt written off at the outset.

So complete the form below for independent and impartial advice for your own situation.

 

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Independent IVA Offer: The Bigger Picture

 

According to a new law brought by the government, Individual Voluntary Arrangements (IVAs) have brought a kinder way to deal with personal debt. An IVA is an acceptable and easy alternative substitute to bankruptcy and carries none of the stigma. It is the civilised way to deal with insolvency or bad debt issues. Following the law, a properly constituted IVA will write off up to sixty percent (often more than that) of personal debt at a stroke. Your interest in an independent IVA offer should be amply rewarded by the improvement in life enabled by its use.

Not all people are suitable for an IVA; there are several constraints on those who can apply. Ordinarily people applying for one need to have a steady income which provides an amount in excess of household bills in order to fund the monthly payments for an independent IVA offer, though this need not be a huge amount. Those who do not qualify for an Individual Voluntary Arrangement will probably qualify for a comparable debt management programme.

The debt management plan or IVA will be carefully drafted by an insolvency practitioner (or IP) who will be academically qualified (and who will normally be a member of an appropriate profession or similar background) and have a working knowledge of many different types of independent IVA offer. All of the unsecured debt and all of the creditors will be taken into consideration. Income and expenses of the client will also be considered and a monthly balance sheet will be carefully compiled with the agreement of both the client and the creditors. Essential expenditure will be paid before the creditors. Total debt can be cut in this way by as much as 60 percent or more, and the excess income of the client is used every month to reduce the remaining debt in a very controlled and painless way and on a greatly reduced basis.

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