Debt Help
One of the key benefits of an IVA is the avoidance of bankruptcy. When you are declared bankrupt you are placed on a public register that could potentially cause embarrassment or loss of reputation. With an IVA you can avoid this.

You will have an agreed monthly payment set with all your creditors – that is acceptable to them and affordable to you. It will also be agreed that when 5 years has passed that any remaining debt will be written off. Therefore an IVA is good for setting yourself a financial plan for the next few years.

As the agreement is legally binding the creditors cannot look to increase the payments required from you as you will both have signed to agree the future payments that will be made.






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More information about debt management and advice:


Write off all the debt you cannot afford and avoid legal action. Government legislation that helps you clear your debt in 60 months.
Lower your monthly payments on your existing debt with one affordable monthly payment plan. Hassle free and flexible plans for if your situation changes.
Bankruptcy is a consideration if you simply cannot pay debts that you owe and you have already considered Debt Management and an IVA.
A Trust Deed is a legal process only available to residents in Scotland and offers an alternative to bankruptcy.
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