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2 tagged articles IVA guide

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IVA Debt Advice

What is IVA debt advice?
An Individual Voluntary Arrangement (IVA) is an agreement between you and your creditors whereby you make funds available for distribution between the creditors bound by the agreement. This usually involves making one monthly payment out of your income for a set period of time and, if you have any assets such as equity in your property, endowment policies etc you may have to make some of this available to creditors as well.

IVA Debt Advice


 
 
 
 
 
 
 
 
 
 
 
 
 
Can I apply for an IVA debt advice?
If you are unable to pay your debts as they fall due you may apply for an IVA. This applies even if you have assets that, if sold, would cover your debts. If you are already subject to a Bankruptcy Order you may still apply. If the arrangement is approved, your Bankruptcy is annulled.

What are the benefits of IVA debt advice?
- Interest and charges on your debts are frozen
- Creditors stop ringing and writing to you - they contact the Supervisor of the IVA
- An IVA gives you protection from creditors by way of a court order
- Once your obligations under the IVA are fulfilled, your debts are then written off
- You potentially avoid bankruptcy
- Your credit rating is not as seriously affected as in bankruptcy
- You can continue to trade
Tags : IVA, Debt advice, Finance company UK, IVA advice, debt, Debt company UK, apply for IVA, IVA guide
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#Posted on Monday, 17 December 2012 at 1:44 AM

Insolvency helpline

If you're struggling with debt call the Debt Helpline, no matter how bad the situation seems there's plenty of free advice available to help you with your debt solutions.

Almost everyone owes money, bills are a fact of life. But sometimes you may find you're swamped with debts and can't see a way of paying them all, call the Debt Helpline. The worst thing you can do is to ignore the problem it won't just go away.

If you're thinking about taking out cash from your credit card or even a single loan as debt consolidation to pay off all your existing debts, make sure you're not simply taking on more debt. Check that the terms of the loan interest rates and length of the loan. Be very careful about taking out a loan secured on your house as it will put your home at risk get debt advice.

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If you know you can't pay all your debts, its important to prioritise your debts and to write to your creditors to see if you can agree on a repayment timetable.
Those people who are already struggling with unmanageable debt should seek advice from an insolvency helpline as soon as they can to find out what options are available and how they can get their finances back on track and start fresh.

Many people are struggling with debts at present, and if you're one of them, you should get the right support as soon as possible. Seeking early expert advice combined with determination can avoid closure.
Insolvency – also known as bankruptcy – is a complicated topic that is best addressed by a technical specialist rather than standard certified accountants. Accessing timely expert advice is vital.
With the right advice, organisations exploring insolvency may not be in danger of mounting liabilities and could have a number of options other than closure available.

If you are experiencing the following, it may be time to seek specialist advice:
- Mounting debts
- Less cash flow
- Rising income gaps
- Worries that you cannot keep doing more with less

Accessing the right advice provided at the right time could have a substantial impact on your future. So if you are not sure if insolvency applies to your organisation, please ask now by calling an insolvency helpline.
Tags : insolvency helpline, Bankruptcy-Insolvency, IVA guide, IVA, debt solution, Debt advice, Bankruptcy UK, Finance, England, IVA company UK, Finance guidelines
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#Posted on Friday, 30 November 2012 at 10:36 PM

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