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Debt Consolidation IVA

Debt Consolidation IVA: 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.

A debt consolidation IVA IVA (Individual Voluntary Arrangement) is a debt management programme set up to eliminate personal debt and deal with the issue of individual insolvency. The needs of one household can be very different from the needs of another person. Any debt consolidation IVA advice given must reflect the distinctive nature of the situation in which people find themselves.

In general a debt consolidation IVA will be set to run for five years and when this is complete all debts are cleared from a person's credit history.

A debt consolidation IVA writes off the bulk of your debt at the beginning of the plan (although be wary of the exaggerated claims in some advertising: it is rarely much more than 60 or 65 per cent of total unsecured debt which may be 'written off' in this way). Any honest IVA advice of this sort will ensure that you get the best results with the lowest repayments together with the highest proportion of debt write-off.

So complete the form for independent and impartial debt consolidation IVA advice which is right for your own personal 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.

Debt Consolidation IVA


A debt consolidation IVA will generally be drafted by a specialist and qualified insolvency practitioner and will be drafted specifically to match the specific requirements of the client. There is no average attitude to such matters as each situation is different, and some situations are exceptionally different. The insolvency practitioner will draw up the most advantageous features according to the applicant's own circumstances and set up a schedule of repayments to a central fund and this is typically over sixty months, although in certain situations this may be made to differ.

Most types of debt consolidation IVA will normally be drawn up to run over a period of 60 months, but all too often this will vary according to circumstances. At the end of the term the debt is said to have been satisfied. All records of the various debts which have been registered corresponding to the client's name and address must be struck from the records by authority of the law.

A distinct advantage of an agreement of this sort is that it will instantly reduce the debt burden by a massive percentage. Normally this is as high as sixty percent, even more. This vast reduction in debt makes a substantial difference and is the main thing that differentiates an IVA from an otherwise normal management programme. So anyone seeking help of this nature would be best advised to apply for this rather than a standard debt relief program.

A number of disciplines have grown up surrounding aspects of insolvency, and these include the legal profession and newer professions such as consultants.. Each will have their own area of knowledge and expertise which you should benefit from to your best advantage. Making usage of a debt consolidation IVA should make your recovery much quicker.

Our economy is a very complicated thing. Economic experts and specialists of all types are seeking to understand how the whole thing works every day of the week. It's like a vast machine. It is a matter of contention whether day to day economics influences social and political needs and these things are largely regulated by the kind of society we live in. This community in turn is calibrated towards the need for achievement ensuring that generally means exposure to risk. As long as we have this insidious aspect of risk we have also to live with the terrible spectre of financial ruin, individual and corporate. Use of a debt consolidation IVA is designed to alleviate this risk to a large extent.

In order to be eligible for a debt consolidation IVA the client must have net earnings which is in excess of a stated minimum and have liabilities of more than a certain amount and not greater than a certain sum, and these figures will alter from one insolvency company to the next. Usually the income should cover the calculated repayments after other bills have been paid such as mortgage payments and utility bills. The average minimum amount of personal debt is around 2,000 though this figure can vary. A top value of 50,000 is sometimes imposed, although by making use of a broker or intermediary the applicant will be alerted to best source of help to deal with their own individual situation.




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


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