Fix My Debts
IVA or Trust Deed
Do You Owe More Than £15,000?

IVA which is an Individual Voluntary Arrangement is a government scheme to help you if you have debt problems. An IVA is a formal legal repayment agreement between you and your creditors for residents of England & Wales.

If you live in Scotland Click Here For A Trust Deed which is a similar programme.

Only pay what you can afford
There is one single affordable monthly repayment
Up to 75% of unsecured debt can be written off
Freeze interest and late payment charges
Real alternative to declaring yourself bankrupt

An IVA allows you to make reduced monthly payments to your unsecured creditors in order to pay off a percentage of what you owe. This arrangement is usually over 5 years and in many cases you can write off up to 75% of your debt.

During the IVA, the creditors are legally bound to freeze the interest on any outstanding debts and to cease adding late payment charges to the debtors account.

The creditors are forbidden from contacting the debtor with regard to the outstanding debts, whether by telephone, post, or email, as any correspondence must be passed through the appointed Insolvency Practitioner.

The size of the monthly repayments to the IVA are based on what the debtor can realistically afford throughout the term of the IVA. Any outstanding debt is legally written off. Get professional debt advice today.
 
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An Individual Voluntary Arrangement is strictly confidential and will not be published in the local paper. To qualify for an IVA the following requirements need to be met:

Debts must be over £15,000
3 or more different named creditors
Debtors must have a regular income and not wholly dependant on benefits

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CASE STUDY - Mr & Mrs Anderson had unsecured debts of £37,000 which consisted of 2 personal loans, 8 credit cards, 4 store cards and an overdraft. Their combined monthly income was £2700 and they were paying £1450 per month to their creditors. Once mortgage, council tax and their monthly bills were taken into account, they were left with less than £1000 to service the debt. Obviously this situation was unsustainable and they soon soon found themselves in serious financial trouble.

Thankfully, Mr & Mrs Anderson now have a formal arrangement with their creditors under an IVA. Approval was gained to significantly reduce their monthly contractual repayments and they now pay £410 per month. After paying this amount for 60 months, the remaining debt will be legally written off through government legislation.