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Calculating Debts

What Is A IVA

An IVA is a Individual Voluntary Arrangement, This was formally introduced in 1986 by the government mainly for businesses struggling to meet their creditors agreements and giving them another option from Bankruptcy.


With people taking out more personal credit, This was adapted so individual's could apply for IVA to help them out of Debt.

Credit Card Debt

How Does IVA Work

If you owe £6,000 or more you could potentially qualify for IVA, we will take you through a FREE Financial Review.


Once we have carried out the review, we will put a proposal together for the creditors to show why you are struggling and why they should accept it. Your case will be taken to a creditors meeting where at least 75% of your debts have to vote to accept the case. Once accepted up to 80% of your Debts can be written off, but the average is around 45% and your payments lowered to a affordable amount.


We have a 95% success rate for getting people accepted for the IVA Scheme.

to much debt

What Do You Charge For The Service

There is no up front fees for our service and putting you forward for the proposal.


We will introduce you to one of our reputable IVA providers who are fully regulated and will explain all the fees which are built into your lowered monthly payments.

IVA What you need to know

Debt Tick List

Bank Loans

Credit Cards

Bank Overdrafts

Payday Loans

Catalogues

Stores Cards

Benefit Over Payments

Council Tax Debt

Tax Debt

County Court Judgements

Not Viable Debts

Penalty Fines

Secured Loans

Mortgage

High Court Writs

Will My Home Be Protected?

Your Home will be protected while you are paying your IVA, but they will take into account if there is any equity in your property and you may be asked to try and release equity to pay off Debt.

How Long Does IVA Take To Set up & Pay Off

To get accepted for IVA it can normally take 4-8 weeks to get set up, within this period your creditors can not take any further action for example, Charging Orders, Bailiff action.


IVA last for 5 years, if you have property with equity it can go upto 6 years

Can Creditors Still Chase Me?

Once you have been accepted for IVA, They can not contact you or pester you with letters. They will have to go through your Insolvency Practioner.

Will IVA Affect My Job & Will People Know I'm on IVA?

IVA will most unlikely affect your job, but if you are in a position of power and finances always check your employment contract.


Debt does not have the same stigma from years ago, your details will be entered onto a insolvency register but people would have to search for it.

Geniune People, Geniune Stories

The Debts Customer Customers

Dan

"I was really struggling, i had a couple of relationship breakdowns and things were getting on top of me. I applied online and adam called me straight away, he was so helpful and could'nt do enough to help me. We worked out i had debts of £10,000, Adam drafted it up and i spoke to an insolvency practioner within 4 weeks my case was accpeted. I could'nt describe the relief. Thank You guys "

IVA Testimonials

Catherine & John

"Me and John are really hard working people, i worked in the NHS and John was a truck driver who worked long hours. We had a house with mortgage and secured loan, after 15 years working for the same company John became unemployed due to the company going out of business! then for about 10 months we used the credit cards to live on and racked up about £15k worth of debt. Luckily enough John got back into work but we could not make the full repayments. I spoke to Stuart who helped us getting accepted for IVA, and said our property would be protected we got accpeted 2 months later. We can't thank you enough for all your help"

Happy IVA Customer

Paul

"I was a hard working business man, when i got into trouble paying my HRMC Tax bill, i just buried my head in the sand and was robbing Peter to pay paul, so after putting it off for so long i spoke to Adam, he was great. he really helped me they checked on everything i didnt realise i had a tax bill of £180k and also had charging orders against my property i was'nt even aware of! Adam applied for a loan to pay off charging orders then put together a proposal for iva for the tax and other Debts and it got accepted. I owe you everything Adam i don't know what i would of done if i was made bankrupt and lost my house."

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Even if you don't qualify for IVA today, there will be other options to help reduce debt.


We can give  free debt advice on government debt scheme and take you through the iva scheme and iva process.

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The Debts Centre

Privacy Policy

 

here at the debts centre (trading name money review limited) we understand that protecting your private details is important to us. this privacy policy explains how we collect and use your details.

This privacy policy only applies if you submit your personal details on one of our contact forms, even if you decide not to go ahead with any of our products and services.

your details will only be passed to money review limited who are fully FCA Regulated and are qualified to give Debt & IVA Advice, your details will no be passed outside the EU due to EU privacy Policy Rules.