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IVA's

An Individual Voluntary Arrangement (IVA) is only available to people who live in England, Wales or Northern Ireland. There is a similar process available if you live in Scotland. To apply for an IVA you must have unsecured debts of over £15,000, be in full time employment and able to make a contribution of a minimum of £250 per month towards your debts. Owing to the fact that these have become so popular in recent years, there is increasing reluctance on the part of creditors to accept these plans.

The benefits of an IVA are:

• All pressure from your creditors is removed
• You will not pay any fees directly
• You will only repay what you can reasonably afford
• Interest and penalty charges will be frozen
• We will deal with all correspondence and queries from your creditors
• You will make only one affordable monthly repayment. At the end of the IVA, which is usually a 5 year period, you will be completely debt free and ready to start afresh financially

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