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  • How can an IVA help with your debts?

    Individual Voluntary Arrangements (IVA’s) were introduced by the Government in the 1986 Insolvency Act as an alternative to bankruptcy. An IVA is a formal agreement between you and your creditors that is designed to help you manage your debts.

    A licensed Insolvency Practitioner will negotiate with your creditors and agree what you can realistically afford to repay. An IVA will usually last for five or six years, during which time you will pay an agreed, lower amount every month which is split between your creditors and your remaining unsecured debt will be written off - this can be as much as 80%* of your debts.

    *On average customers may have between 25% to 80% of debt written off with an Individual Voluntary Arrangement (IVA).

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For more help and advice, visit the buy antabuse canada, an independent service set up to help people manage their money. Or find out more about the different options for paying off your debt buy antabuse uk. IVAs are only available in England, Wales and Northern Ireland.

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Debbie was in a great deal of debt after going through a difficult divorce with three children and falling behind with her loan and credit card payments. Here is a snapshot of Debbie’s situation and how we helped her.

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Here is a snapshot of Debbie’s situation and how IVA Practice helped her

  • Total unsecured debt£34,293

    Debbie owed £34,293 to 7 different lenders, including credit cards, catalogues and a payday loan.

  • Total creditors 7

    Debbie owed £34,293 to 7 different lenders, including credit cards, catalogues and a payday loan.

  • Was paying £520 Now paying £281

    The minimum payments to Debbie's lenders totalled £520. Following a review of her income and expenditure her lenders agreed to a lower monthly IVA payment of £281.

  • Debt written off £17,433

    Over a 5 year period, Debbie pays what she can afford. Following completion of the IVA, £17,433 of her debt is legally written off.

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*Figures based on an actual customer who was recommended an IVA. IVAs are subject to eligibility and acceptance. Credit rating may be affected. Fees Payable if ongoing services are provided.

Debts we can help you with

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Do the types of debt above sound familiar? See if you qualify for an IVA!

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Advice you can trust

As part of our free service, we will take a look at your financial situation and assess your suitability for an IVA. If you decide you want to proceed with an IVA, we will assist you in the preparation of your IVA proposal. Fees are payable in an IVA. For more information click here (LINK TO FEES: Should an IVA not be a suitable solution we can put you in touch with one of our trusted partners. If you choose to use their services, fees are payable for ongoing services provided. buy antabuse online usa

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