Independent Advice
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Debt Consolidation Agency
Debt Consolidation Agency: The Way Out of your Debt (Without More Debt!)
Apply For The IVA or Debt Relief Plan For Your Own Circumstances
Independent Advice. No Bankruptcy. No loss of Dignity.
An IVA is a form of debt relief plan set up by the government of the day to eliminate personal debt and to deal with the growing issue of individual insolvency. Our client is a debt consolidation agancy and is licenced to give advice and do so on the understanding that Individual voluntary arrangements are not one-size-fits-all cures to any problem with money, as each person's situation is so different.
The needs of one household or one individual may be very different from the needs of another person. Any advice given by a good debt consolidation agency must take into account the unique nature of the situation people find themselves in.
Generally an IVA will run for five years and after this completes all debt is cleared from the credit history. During all this time creditors are not allowed to harass the debtor, although this cannot be guaranteed. The IVA carries with it all the advantages of bankruptcy and none of the disadvantages. A good debt consolidation agency will make sure you get optimum results with the lowest repayments together with the highest proportion of debt written off.
So complete the form for impartial IVA advice for your own situation.
If you have at least two accounts in debt, and total debts of £2,000 or more, use the form below to see if you qualify. (If you owe less than this, or are on state benefits, then use this link to apply.)
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Please be aware that figures entered need to be accurate by law, and to give the best service to you. It is extremely important that you budget for all necessary expenditure including rent or mortgage, council tax and utility bills, etc., and any other necessary outgoings related to the upkeep of your household and inrelation to any specific circumstances that may relate to you. This website only collects data on behalf of debt management professionals, from which it will receive affiliate remuneration for data collection only and does not itself engage in any debt management services. Other debt management options are available and may be more suitable. People entering into an IVA or debt management will have this entered on their credit profile and this may affect their ability to get credit in the short term or even in the long term in some cases. It is free to apply from this website; you will be given advice by debt management professionals and a 'cooling off' period, by law, to decide whether or not the debt management plan is suitable for you, and you should be aware that a fee will be chargeable upon a successful arrangement, as with any commercial transaction. Failure to meet the repayments on an IVA or any debt management programme may result in serious consequences, including, but not limited to, bankruptcy. Bankruptcies, CCJs and similar defaults will be entered into a public register and will remain there for a statutory period of not less than six (6) years.
Consumer Credit Licence number 633327.
Debt Consolidation Agency
All governments attempt to help folk who have become insolvent in various ways. There are recognised schemes like IVAs and CVAs to assist the conduct of corporate and personal debt recovery and to try to soothe what has always been a difficult process, and certainly a good debt consolidation agency can be an integral part of the solution. The emphasis tends to be towards safeguarding resources wherever possible and in protecting the property of petitioners by using statutory measures. This applies to both private wealth and the security of businesses on which individual security depends.
In order to be eligible for an IVA or similar instrument brought about by a debt consolidation agency the client must have a net income which is in excess of a certain minimum and have arrears of not less than a specified amount and not more than a specified maxima, and such values will change from one insolvency company to another. Usually earnings must be proved to cover the cost of the calculated repayments after the required bills have been met including the mortgage and fuel bills. The usual minimal amount of personal debt is around £2,000 although this figure can vary. A top value of £50,000 is sometimes given, although by making use of a broker the applicant may be shown best service to handle their own circumstances.
A number of disciplines have emerged surrounding aspects of failure, including the legal sector and more recent professions including consultants. All such experts have their own strengths and weaknesses. Each one will have a different area of expertise which you should benefit from to your best advantage. Making use of a debt consolidation agency will make the turnaround from insolvency much quicker.
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Take a look at the Insolvency Service's leaflet called 'In Debt', downloadable here.
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