Independent Voluntary Arrangement







Best Debt Consolidation IVA


Independent Voluntary Arrangement

Apply for an Independent Voluntary Arrangement IVA Help

Independent Advice. No Bankruptcy. No loss of Dignity.

An Independent Voluntary Arrangement is another term for an Individual Voluntary Arrangement, or IVA.

An IVA is a debt relief plan set up by the government of the day to eliminate personal debt and to deal with the growing issue of individual insolvency. Our clients are licenced to give Independent Voluntary Arrangement advice and do so on the basis of the fact that IVAs were not designed to be one-size-fits-all quick fixes to any money problem, because individual situations can vary so much.

The needs of one household may vary greatly from the needs of another. Any IVA advice given must thus reflect the distinctiveness of the situation in which people live.

Normally an IVA will be set to run for sixty months and when the term has finished all the debt is cleared from a person's record. During the time of the IVA none of the creditors are allowed to harass or pursue the debtor in any way. The IVA has all the benefits of bankruptcy while having none of the drawbacks.

An instrument such as this will write off the larger part of a person's debt at the start of the plan (although be wary of the claims made in some advertising: it is seldom more than 60 or 65% of total debt which can be 'written off' in this way). All good IVA advice of this sort will make sure you get the optimum results with the lowest repayment options together with the highest proportion of debt written off.

So complete the application form below for independent and impartial IVA advice for your own circumstances.

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Independent Voluntary Arrangement Help: The Bigger Picture


Under recent laws ratified by H.M. Government, Individual voluntary arrangements have allowed personal debt to be much easier to deal with than in the past. An Individual voluntary arrangement is an acceptable and easy alternative to going bankrupt and carries none of the stigma. It is an excellent way to deal with insolvency or bad debt issues. In accordance with government rules, a well constituted IVA will write off up to sixty percent (occasionally more) of your personal debt immediately. Your keen interest in an Independent Voluntary Arrangement (also known as an Individual Voluntary Arrangement or IVA) would be well rewarded by the improvement in life quality brought about by its application.

In finding out about Independent Voluntary Arrangements you are putting yourself on the road to personal probity thereby efficiently ensuring a new beginning. Choices made now will begin the transformation.

Independent Voluntary Arrangements (also known as an Individual Voluntary Arrangements or IVAs) are usually configured to run for a 5 year span, although in some circumstances it may be adjusted to suit personal needs. In Scotland, where such arrangements are called trust deeds or protected trust deeds, the term is generally three years but in some instances may be for four or five years. With both the Individual voluntary arrangement and the protected trust deed the debtor client is safeguarded from predatory creditors by the law and all debts are completely and utterly cleared at the completion of the period (however long that may be).

It is certainly true that the careful use of debt consolidation IVA help may well help people reorganise their busy lives and improve their overall sense of well being. It is a carefully structured plan devised to help people like you and me out of financial difficulties and ratified by government and designed to complement the then rather harsh individual insolvency rules that were in place largely since the previous century.



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Independent IVA Help

Independent Individual Voluntary Arrangement Advoce

Independent Voluntary Arrangement IVA

Best Independent Voluntary Arrangement and independent debt consolidation IVA help application.

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Take a look at the Insolvency Service's leaflet called 'In Debt', downloadable here.

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