We know it can be stressful wondering where you're going to find the money for all that eating, drinking and making merry. But living on an IVA doesn't have to mean Christmas is cancelled. Read article
A personal loan is an unsecured debt, so it can be included in an IVA (Individual Voluntary Arrangement). Read article
An overdraft is an unsecured debt, so it can be included in an IVA. Read article
A debt collector does not have the same rights as a bailiff, and it is important to know your rights too. Read article
An IVA could help you repay unsecured debts that you cannot afford. It does not cover hire purchase debts, but it could make sure those debts are affordable. Read article
Your IVA will be recorded on the Individual Insolvency Register - which is publicly available, but which most people don't ever look at. Read article
To find other sources of free advice visit Money Helper. It's here to listen and give free, impartial, trusted guidance. Based around you and backed by government.
Subject to eligibility and acceptance. Fees Payable. Debt write off applies to unsecured debts only and on completion of an IVA, alternative solutions may be offered. If your IVA fails, it could lead to Bankruptcy. Your ability to obtain credit will be affected for at least 6 years. Homeowners may be required to release the equity in their property.