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What Is An IVA
If you are struggling with unaffordable debts then an Individual Voluntary Arrangement may be a solution to your problems. An IVA allows you to only pay what you can afford to your unsecured debts each month. All interest and charges will be frozen to 0% and creditors will be prohibited from demanding additional payments.
Whether you can get an IVA to help you get out of debt, depends on your personal circumstances. In general to qualify for an IVA, your debts must be over £5,000. You must also have 2 or more different creditors and you must be technically insolvent. This means that you must be unable to pay all of your debts as they fall due for payment.
WRITE-OFF the unsecured debt you can't afford to repay. FREEZE interest & charges. STOP letters, calls and legal action. NO MORE CREDIT whilst you are in your IVA. CREDIT RATING will be affected for six years after your IVA starts. TIME, an IVA usually lasts for 5 years.
I didn't realise I could get help with my debts. So glad I contacted them, so helpful and understanding.
This was something I had been worrying about for a while and just kept ignoring it hoping it would go away. Things just got worse so I rang Money Advice Online and they explained the process and the options I had to deal with my financial problems. The team were helpful and very understanding ,thankyou again.
Fantastic,they are life savers. I was in serious trouble with my money. Thought I would have to go bankrupt, but Money Advice Online helped me see a qualified debt advisor who sorted everything out. I can now look forward to a debt free future.
Welcome To The IVA Guide
With thousands of people struggling with their debts in the UK, the IVA Guide has been launched to ensure people get the confidential and impartial advice they need when they need it.
An IVA can help you get out of debt and pave the way to a happier debt-free future for you and your family.
Our free IVA calculator is completely confidential, and if you qualify for IVA help, we can hold your hand through every step of the IVA process. Learn more >
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222 people a day are declared bankrupt or insolvent in the UK
The ATN Group provides insolvency solutions to individuals throughout the UK; specialising in IVAs, CVAs, Liquidations, Protected Trust Deeds, Bankruptcy, Sequestrations. We do not administer or provide advice solely relating to debt management products, such as Debt Management Plans or Debt Payment Plans under the Debt Arrangement Scheme. We only provide advice after completing or receiving an initial fact find where the individual(s) concerned meets the criteria for one of our insolvency solutions, therefore, all advice is given in reasonable contemplation of an insolvency appointment.