Apply for an
Independent IVA Quote
No Bankruptcy. No loss of Dignity.
An IVA is a debt
management programme set up to eliminate personal debt and to deal generally
with the growing issue of individual insolvency. Our associates are licenced
to give advice and do so on the basis that IVAs were not designed to
be one-size-fits-all remedies to any financial problem, because individual
circumstances are different. An independent IVA quote will reflect these
The needs of one
household or one individual can be vastly different from the needs of
another. Any debt advice given must thus reflect the distinctiveness
of the situation people find themselves in.
Generally an IVA
will run for sixty months (sometimes less) and when the term has finished
all the debts are cleared from a person's credit profile. During all
this time no banks are allowed to contact the debtor. The IVA has the
advantages of bankruptcy and none of the drawbacks.
An instrument such
as an independent IVA quote will write off most of your debt at the
start of the programme (although beware of the exaggerated claims in
some advertising: it is rarely more than 60 or 65 per cent of unsecured
debt which may be 'written off' in this way). Any decent IVA advice
of this sort will make sure you get the best results with the lowest
repayments together with the highest percentage of debt written off
at the outset.
Following recent changes in the law, IVAs or individual voluntary
arrangements have been brought in. An IVA is an acceptable alternative
to bankruptcy and carries none of the stigma. It's an excellent way
to deal with insolvency or bad debt issues. In accordance with the new
law, a properly constituted IVA will write off up to 60 per cent (often
more) of your debt at a stroke. Your keen interest in an independent
IVA quote would be amply rewarded by the transformation in life quality
brought about by its application.
By taking steps to look into getting an independent IVA quote you're
putting yourself on the road to personal probity thereby effectively
ensuring a new life for yourself. Choices made now will start this transformation.
It's certainly the case that getting an independent IVA quote may
well help folk reorganise their lives. It is a carefully worked out
plan to help ordinary people out of their financial difficulty and brought
about and meant to ease the relatively draconian personal insolvency
rules which were in place.