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IVA Debt Solution

IVA Debt Solution: 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 form of debt management plan set up by the government to provide a solution to the problem of personal debt and to deal with the growing issue of individual insolvency. The needs of one household or one individual can be vastly different from the needs of the next. Any IVA debt solution must take into account the diverse nature of the situation in which people find themselves.

A normal Individual Voluntary Arrangement will be set to run for 60 months (sometimes less) and when this has finished all the debts are discharged from a person's credit history.

An IVA will write off the bulk of your debt at the start of the programme (although beware of the claims made in some advertising: it is rarely much more than 60 or 65 per cent of total unsecured debt which can be cancelled). The best IVA debt solution will ensure that you get the best results with the lowest repayments together with the greatest percentage of debt write-off.

So fill in the form for independent and impartial IVA advice 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.

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A number of disciplines have developed relating to aspects of insolvency, including the legal profession as well as newer professions including IP consultants. All these experts have their own strengths. Each one will have a different area of knowledge and specialisation which you should make use of to your best advantage. Making use of an IVA debt solution will make the turnaround from insolvency easier and quicker.

Governments attempt to help people who suffer from insolvency. There are initiatives like CVAs and IVAs to expedite the conduct of both personal and corporate debt recovery and to ease what is always a highly difficult time, and clearly an IVA debt solution is part of getting back out of debt. The object is intended to be toward safeguarding possessions if possible and also in safeguarding the wealth of individuals by using statutory measures. This takes into account both private assets as much as the assets of businesses.

Most sorts of IVA debt solution will normally be drafted to serve for five years, although often this will vary according to circumstances. When the term is over the debt is said to have been paid off and the client cleared of all debt records. Any debt records registered corresponding to the applicant's name and address must be struck from the records on the authority of the law.

In order to qualify for an IVA debt solution the applicant has to be able to demonstrate a salary or earnings in excess of a stated minimum amount and have arrears of more than a specified amount and not greater than a certain sum, and such values may alter from one insolvency company to the next. Usually earnings must cover the repayments after other bills have been met such as mortgage and council tax. The average minimal debt is around 2,000 although this figure can vary. A top value of 50,000 is sometimes imposed, although by using a broker or intermediary the client will be shown best source of help to deal with their own circumstances.

An IVA will generally be prepared by a specialist insolvency practitioner and will be drafted especially to address the specific requirements. There is no average approach to these procedures because every situation is different, while some are considerably different. The selected insolvency practitioner will now prepare the optimum features in accordance with the applicant's own individual circumstances and draw up a programme of repayments to a central fund and this is usually for 60 months, though in certain cases this may be varied.

An IVA debt solution is an extremely useful legal measure and most would jump at the chance of entering into one as it is absolute and discharges the holder from the entirety of the debt at the end of the term. This is a more gentle answer to personal insolvency than other sterner measures such as making the debtor bankrupt and has no connotations of stigma.





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


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