Help: The Way Out of your Debt (Without
The IVA or Debt Relief Plan For Your Own Circumstances
Advice. No Bankruptcy. No loss of Dignity.
An IVA is a debt
relief plan set up by the government of the day to provide a solution
to personal debt and to deal generally with the growing issue of individual
needs of one household may be very different from the needs of another.
Any IVA help and advice given must reflect the unique nature of the
situation people find themselves in.
Normally an Individual
Voluntary Arrangement will run for 60 months (sometimes less) and
when the term has finished all the debts are cleared from the credit
such as this will write off the larger part of a person's debt at
the beginning of the plan (although beware of the exaggerated claims
made in some advertising: it is seldom much more than 60 or 65 per
cent of total unsecured debt which can be cancelled). Any decent IVA
help and advice of this sort will ensure that you get the best results
with the lowest repayments together with the greatest percentage of
debt written off at the outset.
So fill in the
application form below for independent and impartial IVA help
which is designed for your own personal circumstances.
If you have at
least two accounts in debt, and total debts of £2,000 or more,
use the form below to see if you qualify. (If you owe less than this,
or are on state benefits, then use this
link to apply.)
be aware that figures entered need to be accurate by law, and to give
the best service to you. It is extremely important that you budget
for all necessary expenditure including rent or mortgage, council
tax and utility bills, etc., and any other necessary outgoings related
to the upkeep of your household and inrelation to any specific circumstances
that may relate to you. This website only collects data on behalf
of debt management professionals, from which it will receive affiliate
remuneration for data collection only and does not itself engage in
any debt management services. Other debt management options are available
and may be more suitable. People entering into an IVA or debt management
will have this entered on their credit profile and this may affect
their ability to get credit in the short term or even in the long
term in some cases. It is free to apply from this website; you will
be given advice by debt management professionals and a 'cooling off'
period, by law, to decide whether or not the debt management plan
is suitable for you, and you should be aware that a fee will be chargeable
upon a successful arrangement, as with any commercial transaction.
Failure to meet the repayments on an IVA or any debt management programme
may result in serious consequences, including, but not limited to,
bankruptcy. Bankruptcies, CCJs and similar defaults will be entered
into a public register and will remain there for a statutory period
of not less than six (6) years.
Credit Licence number 633327.
attempt to do their best to help folk who have become insolvent. There
are government schemes like IVAs and CVAs to handle the methods of
personal and corporate insolvency and to relieve what has always been
a difficult process, and certainly any IVA help is part of this. The
aim is intended to be toward safeguarding resources where possible
and in safeguarding the wealth of individuals using legal instruments.
This would apply to private assets and the wealth of corporations.
Our economy is
a very complex thing. Expert economists and scientists of many descriptions
are seeking to come to terms with how the whole thing works on a daily
basis. It resembles a vast computer. It is a matter of contention
whether economic practice influences social and political decisions
and such things are generally governed by the kind of society we live
in. This society at present is aligned towards the need for achievement
so that often means exposure to risk. As long as we live with this
risk we also have the ghastly spectre of insolvency, both personal
and corporate. Using a source of professional IVA help is designed
to offset this to a large extent.
IVA help is very
useful, and most people would jump at the chance of getting one as
it is legally binding and releases the holder from all debts when
the term has been concluded. This is a much more benign answer to
an individual's debt problem than other sterner instruments like bankruptcy
and it carries no sting in the tail.
In order to be
eligible for IVA help the applicant must have a salary or earnings
which is in excess of a stated minimum amount and have liabilities
of a total value of more than a specified sum and not more than a
specified maxima, and such values may change from one insolvency firm
to another. Usually income must cover the repayments after necessary
bills have been met such as mortgage and council tax and utility bills.
The typical minumum amount of personal debt is around £2,000 although
this may vary. A ceiling of £50,000 is imposed in a few cases, although
by making use of an intermediary the applicant will be directed to
best source of help to look after their own particular situation.
iva help advice
iva help application
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of Good IVA Help
Benefits of the Best
Fast IVA Help Application
Finding the Optimum
to Find the Best IVA Help
a look at the Insolvency Service's leaflet called 'In Debt', downloadable
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