Independent Advice
No Bankruptcy. No loss of Dignity
IVA Help
IVA Help: The Way Out of your Debt (Without More Debt!)
Apply For The IVA or Debt Relief Plan For Your Own Circumstances
Independent 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 insolvency. The 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 record.
An instrument 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.)
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Please 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.
Consumer Credit Licence number 633327.
IVA Help
Governments generally 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.
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Take a look at the Insolvency Service's leaflet called 'In Debt', downloadable here.
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