INDIVIDUAL VOLUNTARY ARRANGEMENT

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Individual voluntary arrangement, IVA, information, advice and help.
An individual voluntary arrangement can help reduce your debts by up to 75%.

An individual voluntary arrangement is a formal agreement between you and your creditors. So what is an individual voluntary arrangement

If you owe more than £15,000 an IVA may well be the solution to your debt problems. If you owe less than £15,000 there may be other debt solutions.

To find out if you qualify for an Individual Voluntary Arrangement please complete our simple online form.
One of our panel of debt counsellors will contact you in confidence to discuss your application.
If your case meets our criteria you will be accepted onto our Individual Voluntary Arrangement programme and referred to one our debt negotiators.
The debt negotiator will act on your behalf and contact all your creditors informing them that they are now your legal financial representative.
An Individual Voluntary Arrangement proposal will be draughted, based on your financial information. this is a formal agreement that lays out the actual terms of your personal Individual Voluntary Arrangement .
To protect from your creditors, an interim order which is a form of legal protection is granted. this is a legal process affording you full protection from all your creditors.
Once the interim order is granted, your creditors cannot take any legal action against you. having this interim order means you are protected from any of your creditors issuing or continuing bankruptcy proceedings.
The debt negotiator then prepares a nominees report, which is a legal statement that describes a professional opinion on whether the Individual Voluntary Arrangement is a genuine offer of account.
A meeting of your creditors is held soon afterwards. this meeting consists of all the creditors gathered together to discuss your Individual Voluntary Arrangement . Usually, creditors rarely bother to attend these meetings as all voting has been done before the meeting.
Once your Individual Voluntary Arrangement is approved and accepted, you are legally bound to maintain your monthly Individual Voluntary Arrangement payments.
Once your Individual Voluntary Arrangement is accepted, none of your creditors can harass you again.
Your monthly payment should be easily affordable as it is based entirely on your disposable income.