Individual Voluntary Arrangement * free information * advice about IVA * what is an Individual Voluntary Arrangement? * Free information on how to reduce debts

An Individual Voluntary Arrangement or IVA is a government approved legally binding agreement between you and your creditors that could write off a high proportion of your debts. If you are in gainful employment and owe more than £15,000 to more than three creditors, our insolvency practioners will negotiate on your behalf to get your monthly repayments reduced to one affordable monthly sum. Our services are free and do not involve you taking out further loans and adding to your debt problems. After the five years, you could be considered to be debt free.

What is an Individual Voluntary Arrangement?

How an Individual Voluntary Arrangement could help you.

IVA Individual Voluntary Arrangement.

Full name
Address
Town
Postcode
Please provide at least one phone number
Home phone
Work phone
Mobile phone
Best contact time	Immediately Between 9am and 11am Between 11am to 1pm Between 1pm to 3pm Between 3pm to 5pm Between 5pm to 7pm Between 7pm to 9pm
Email address
Total amount of debt owed	- Please select - £50,000+ £40,000+ £30,000+ £20,000+ £15,000+ £5000+ £3000+
Current monthly payments	- Please select - up to £180 £180-£350 £350-£500 over £500
Employed	Yes No
Net household income per month	- Please select - under £500 £500-£1000 £1000-£2000 £2000-£3000 £3000-£5000 over £5000
Number of people owed to	- Please select - 1-2 3-6 7-9 10+
Additional info/comments
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To qualify for one of our Individual Voluntary Arrangement programmes

• You need to owe more than £15,000
  
  
• You need to have unsecured credit loans, credit cards, store cards
  
  
• You need to be only be paying the minimum repayments
  
  
• Or you are just paying interest charges
  
  
• You are looking for a solution to your debt problems
  
  
• You need to have an income in excess of £1000 per month
  
  
• You are not currently under a debt management programme

If you owe less than £15,000, depending on your circumstances, a Debt Management Plan may be another solution to your debt problems.