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  • How can an IVA help with your debts?

    Individual Voluntary Arrangements (IVA’s) were introduced by the Government in the 1986 Insolvency Act as an alternative to bankruptcy. An IVA is a formal agreement between you and your creditors that is designed to help you manage your debts.

    A licensed Insolvency Practitioner will negotiate with your creditors and agree what you can realistically afford to repay. An IVA will usually last for five or six years, during which time you will pay an agreed, lower amount every month which is split between your creditors and your remaining unsecured debt will be written off - this can be as much as 80%* of your debts.

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Debbie was in a great deal of debt after going through a difficult divorce with three children and falling behind with her loan and credit card payments. Here is a snapshot of Debbie’s situation and how we helped her.

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Here is a snapshot of Debbie’s situation and how IVA Practice helped her

  • Total unsecured debt£34,293

    Debbie owed £34,293 to 7 different lenders, including credit cards, catalogues and a payday loan.

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Debts we can help you with

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  • Get your interest and charges frozen
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    • Your lenders are not obliged to accept the IVA
    • Your credit rating may be affected for up to 6 years
    • If the IVA fails it could lead to bankruptcy
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    • An IVA can impact on certain jobs such as those in finance and the Civil Service. If you are unsure check your employment contract.
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As part of our free service, we will take a look at your financial situation and assess your suitability for an IVA. If you decide you want to proceed with an IVA, we will assist you in the preparation of your IVA proposal and will receive a payment once we transfer you to our trusted IVA provider. Fees are payable in an IVA. For more information click here. Should an IVA not be a suitable solution we can put you in touch with one of our trusted partners. If you choose to use their services, fees are payable for ongoing services provided.

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