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What is an IVA

  
 

An Individual Voluntary Arrangement (IVA) is an alternative to bankruptcy. If you have a substantial amount of unsecured debt an IVA could be your best solution.

IVAs are controlled by government legislation and can only be set up by licensed Insolvency Practitioners. An IVA acts as a legally binding agreement between you and your creditors, freezing interest charges on your debt and setting an affordable monthly payment amount over an agreed fixed period (usually 5 years).

It is important to remember that you should only consider an IVA if you have sufficient money available to contribute towards repaying your debts each month or additional assets which could be taken into consideration.

 
     
  The benefits of an Individual Voluntary Arrangment  
 
All information is dealt with in the strictest of confidence.   All information is dealt with in the strictest of confidence.
Frozen interest payments and an agreed monthly payment amount   Frozen interest payments and an agreed monthly payment amount
Protection from action by creditors or debt collectors   Protection from action by creditors or debt collectors
When the IVA is completed any unpaid debt is written off   When the IVA is completed any unpaid debt is written off
When the IVA is completed any unpaid debt is written off   No publicity of information.
You know what you have to pay each month and for how long.   You know what you have to pay each month and for how long.
 
     
 
Subject to eligibility and acceptance. Debt write off applies only on completion of an IVA, alternative solutions may be offered. Initial advice is free, fees payable for continuing services. Your ability to obtain credit will be affected for 6 years. Homeowners may be required to release the equity in their property. Calls may be recorded.


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