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Apply Individual Voluntary Arrangement

Apply For an Individual Voluntary Arrangement: The Best 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 (Individual Voluntary Arrangement) is a form of debt relief program set up by H. M. Government to provide a solution to personal debt and deal generally with the growing issue of personal insolvency. We are licenced to give IVA advice and do so on the understanding that IVAs were never designed to be one-size-fits-all cures to any money problem, as individual circumstances can vary so much.

The needs of one household or one individual may vary greatly from the needs of another person. When you apply for an Individual Voluntary Arrangement any advice given must reflect the uniqueness of the situation people find themselves in.

A normal IVA will be set to run for sixty months and when this completes all the debts are discharged from a person's credit record. During the time of the IVA banks or debt collectors should not contact the debtor, although this cannot be guaranteed. The IVA has all the benefits of bankruptcy while having none of the drawbacks.

An IVA writes off the bulk of your debt at the beginning of the programme (although beware of the claims in some advertising: it is rarely much more than 60 or 65 percent of unsecured debt which can be cancelled in this way). All good IVA advice will ensure that you get optimum results with the lowest repayment options together with the greatest percentage of debt written off at the outset.

So fill in the application form below for impartial advice for your own situation.

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.

Apply For an Individual Voluntary Arrangement


An Individual Voluntary Arrangement will generally be prepared by a specialist and qualified insolvency practitioner and will be drafted specifically to match the specific requirements. There is no typical approach to these processes as each situation is different to the next, while some are considerably different. The selected insolvency practitioner will now prepare the optimum features according to the client's own individual circumstances and ratify a programme of payments to creditors and this is usually over 5 years, although in some cases this may change.

A distinct advantage of an arrangement like this is that it will immediately reduce the debt by a massive proportion. This reduction of debt makes a huge difference and is one of the many things which distinguishes this from an otherwise conventional management program. So folk seeking these debt reduction programmes would be best advised to apply for this rather than a standard debt relief program.

To apply for an Individual Voluntary Arrangement is a useful legal measure and many people would jump at the chance of getting one as it is sanctioned by law and discharges the holder from this debt when the term has been concluded. It is a much more gentle response to an individual's debt problem than other sterner measures like bankruptcy and it carries none of bankruptcy's stigma.

A number of disciplines have emerged surrounding aspects of insolvency, and these encompass the legal profession and newer professions including such diverse types as IP consultants. Such experts have their own strengths. Each will have their own area of knowledge and expertise which you should use as appropriate. Making use of an Individual Voluntary Arrangement will ensure the turnaround from insolvency is much easier.

In order to apply for an Individual Voluntary Arrangement the applicant has to be able to demonstrate a net income in excess of a certain minimum and have arrears of more than a specified amount and not greater than a specified maxima, and these values will change from one insolvency practitioner to the next. Normally the income must be proved to cover the cost of the repayments after other necessary outgoings have been paid such as the mortgage and council tax. The typical minumum amount of debt is around £2,000 although this figure may vary. A maximum threshold of £50,000 is sometimes given, though by going through a broker or intermediary the applicant will be directed to appropriate service to deal with their own individual situation.

Most sorts of Individual Voluntary Arrangement will normally be drafted to run for sixty months, but sometimes this will vary from case to case. When the agreed period is over the debt is said to be satisfied.




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Take a look at the Insolvency Service's leaflet called 'In Debt', downloadable here.



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