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1. IVA – Frequently Asked Questions and Answers
The IVA is an extremely powerful tool enabling you to clear
your debt and return to a clean financial bill of health. This
procedure
is not to be confused with the informal procedures such as
debt management plans. If you wish to discuss the IVA
procedure and understand how it can help you?

2. IVA – Frequently Asked Questions and Answers
An Individual Voluntary
Arrangement (IVA) is a formal
agreement between someone who
IVA (Individual Voluntary
owes money (the debtor) and
Arrangement) Overview
the people he or s.. Read
More…

3. IVA – Frequently Asked Questions and Answers
An IVA is a legally binding arrangement
What is an supervised by a Licensed Insolvency
IVA? Practitioner, the purpose of..Read More…

4. IVA – Frequently Asked Questions and Answers
Who can An IVA is available to all
benefit from individuals, Sole Traders and
an IVA? Partners who are experiencing
creditor pressure and...Read More…

5. IVA – Frequently Asked Questions and Answers
In theory it is envisaged that the
Procedure in
Debtor drafts proposals for
a brief
presentation to his creditors prior
to...Read More…

6. IVA – Frequently Asked Questions and Answers
Key component The IVA must offer a higher return
for a to creditors than could otherwise be
successful IVA expected were the Debtor to...Read
More…

7. IVA – Frequently Asked Questions and Answers
Enables a Sole Trader or Partner to
Advantages
continue to trade and generate
of an IVA
income towards...Read More…

8. IVA – Frequently Asked Questions and Answers
Where contributions from income
Disadvantages
are being made, IVA's are generally
of an IVA
expected to be for a... Read More…

9. IVA – Frequently Asked Questions and Answers
You can consider an IVA to deal
with your debt problem if you
How do I start satisfy the following guideline:-
an IVA? You must have UK debt... Read
More…

10. IVA – Frequently Asked Questions and Answers
I am thinking about It doesn‟t matter if your are
starting an IVA but I street cleaner, toilet cleaner of
am a low paid street high paid city
cleaner. Will an IVA investment banker. You can
still work? propose an IVA..Read More…

11. IVA – Frequently Asked Questions and Answers
NO, this is illegal. There
I am OK with some of my
is word under UK law
debts but struggling with one
called a “preference”. A
loan. Can I leave out the
preference..
ones I am up
Read More…
to date with?

12. IVA – Frequently Asked Questions and Answers
Please note that if you are self employed
Important you can include your business debts too
Information such
regarding IVAs as trade suppliers, HM Revenue..
Read More…

13. IVA – Frequently Asked Questions and Answers
IVA The actual IVA monthly payment is
monthly different
Payment? for every IVA case because IVA monthly
payments are based on… Read More…

14. IVA – Frequently Asked Questions and Answers
IVA Entering into and maintaining payments
Pros and to the IVA will demonstrate to your
Cons? creditors your commitment to… Read
More…

15. IVA – Frequently Asked Questions and Answers
A legally binding way to reduce the
The IVA
amount that you pay back subject to
Procedure
the agreement of 75%... Read
More…

16. IVA – Frequently Asked Questions and Answers
The UK Insolvency Helpline IVA team
How to start advise on 1000s of IVAs each year. In
an IVA? this brand new section we will provide
... Read More…

17. IVA – Frequently Asked Questions and Answers
An IVA can help anyone who is
Who can an experiencing debt problems -
IVA Help? particularly those who own property
which ... Read More…

18. IVA – Frequently Asked Questions and Answers
Will I have to Unlike most fee charging organisations
Pay for this when you consider an IVA through the
Service? UK Insolvency Helpline... Read More…

19. IVA – Frequently Asked Questions and Answers
Advice for We are able to offer advice on debt
resident of management plans, administration
Scotland? orders, bankruptcy... Read More…

20. IVA – Frequently Asked Questions and Answers
IVA help The UK Insolvency Helpline IVA advice
And team is a free phone 0800 074 6918
Information? service providing... Read More…

21. IVA – Frequently Asked Questions and Answers
We have explained in some detail about
How an IVA an IVA such as, how an IVA is
works? started,
the costs... Read More…

22. IVA – Frequently Asked Questions and Answers
The UK Insolvency Helpline IVA team
How an IVA is advise on 1000s of IVAs each year. In
started? this brand new section we …Read
More…

23. IVA – Frequently Asked Questions and Answers
What‟s the The costs of setting up and running an
cost involved IVA are paid by two lots of fees…
with an IVA? Read More…

24. IVA – Frequently Asked Questions and Answers
What‟s an Introduced a new procedure whereby a
IVA approval debtor could come to an arrangement
process? with his/her… Read More…

25. IVA – Frequently Asked Questions and Answers
What‟s an Detail about the criteria that has to be
IVA satisfied in order for an IVA to be
Criteria? accepted … Read More…

26. IVA – Frequently Asked Questions and Answers
What‟s an This is a typical timescale for getting
IVA Estimated an IVA agreed with creditors from
time scale? initiation … Read More…

27. IVA – Frequently Asked Questions and Answers
Bankruptcy Debt advice is Britain's new growth
or industry. Thousands of people are
IVA ? employed
to pick up the… Read More…

28. IVA – Frequently Asked Questions and Answers
IVA This is a list of the documentation
Documentation usually required when proposing an IVA.
Required? Obviously, this will … Read More…

29. IVA – Frequently Asked Questions and Answers
Individual The register gives details of:
Insolvency bankruptcies
Register? that are current or have ended in the
last… Read More…

30. IVA – Frequently Asked Questions and Answers
Your lifestyle isn‟t forced to change if
What about you enter an IVA, providing that you
IVA Lifestyle do not … Read More…
?

31. IVA – Frequently Asked Questions and Answers
Dept The only debts to be included in
Free an
after an IVA are unsecured ones.
IVA ? Provided
you have included … Read
More…

32. IVA – Frequently Asked Questions and Answers
Is My home If you are living in rented
protected in accommodation, there is no risk to
an IVA ? your home in an IVA. You should …
Read More…

33. IVA – Frequently Asked Questions and Answers
What are the To have an IVA approved at the
chances of Creditors Meeting, more than 75%
IVA Rejection? in value, of the creditors … Read
More…

34. IVA – Frequently Asked Questions and Answers
will I be able Under normal circumstances, there
to keep my should be no reason for the car to be
Car ? taken in an IVA… Read More…

35. IVA – Frequently Asked Questions and Answers
What will Once you have defaulted on your
Happen to my contractual payments and received a
Credit Rating? default notice, … Read More…

36. IVA – Frequently Asked Questions and Answers
What about Credit This guide explains what an
Report and individual voluntary arrangement
Individual Voluntary (IVA) is and how it could affect …
Arrangements? Read More…

37. IVA – Frequently Asked Questions and Answers
Will entering into An IVA will appear on your
an IVA affect my credit report for a minimum of
ability to obtain six years from the date … Read
credit? More…

38. IVA – Frequently Asked Questions and Answers
What will happen Once your IVA ends, the
to my credit Insolvency Service will let the
report when my credit reference agencies …
IVA ends? Read More…

39. IVA – Frequently Asked Questions and Answers
Who can look my Landlords and employers can
Credit Report look at the „public‟ information
other than on your credit report … Read
lenders? More…

40. IVA – Frequently Asked Questions and Answers
Are IVAs No. A Protected Trust Deed is
Available in the equivalent of an IVA in
Scotland? Scotland. Like an IVA, … Read
More…

41. IVA – Frequently Asked Questions and Answers
If you are struggling to meet
Are there
payments, get in touch with your
Alternatives
creditors and tell them … Read
to an IVA?
More…

42. IVA – Frequently Asked Questions and Answers
What will happen If you are considering entering
to my into an IVA, then it would be wise
professional to check … Read More…
accreditation in
an IVA?

43. IVA – Frequently Asked Questions and Answers
What happens Once an IVA has been
at the completed, you will be issued
conclusion of with a statement … Read
an IVA? More…

44. IVA – Frequently Asked Questions and Answers
Can I arrange the The majority of the work involved
IVA without lots of in the IVA proposal can be done
meetings and either over the phone or via …
appointments? Read More…

45. IVA – Frequently Asked Questions and Answers
How does Entering into and maintaining
IVA benefits payments to the IVA will
my creditors? demonstrate to your creditors your …
Read More…

46. IVA – Frequently Asked Questions and Answers
We urge all callers considering an
Implication IVA to take into account the long
of an IVA? term implication… Read More…

47. IVA – Frequently Asked Questions and Answers
Certificate of Completion is issued
What after once the IVA has been
an IVA? successfully completed. This is a
signal for … Read More…

48. IVA – Frequently Asked Questions and Answers
The advisers at the IVA help unit
IVA Help ?? are very experienced in the IVA
procedure and will be … Read
More…

49. IVA – Frequently Asked Questions and Answers
Proposed Changes to The Insolvency Service has started
individual Voluntary a consultation process today looking
Arrangements? at proposals to simplify… Read
More…

50. IVA – Frequently Asked Questions and Answers
Where I Money Advice Direct has put
can find together an IVA Guide based
IVA Guide? on the enquiries and questions
… Read More…

51. IVA – Frequently Asked Questions and Answers
Is there any Here is the documents that make
Sample IVA up a sample IVA Proposal. These
proposals for PAYE will give you an indication … Click
worker? to download…

52. IVA – Frequently Asked Questions and Answers
Is there any In a voluntary arrangement, as in
IVA creditors other types of insolvency, the amount
guide to fees ? of money available for creditors …
Click to download…

53. IVA – Frequently Asked Questions and Answers
This guide explains in depth, the
What about
standard conditions set for Individual
terms and
Voluntary Arrangements including…
conditions?
Download from here…

54. IVA – Frequently Asked Questions and Answers
May I download If you wish to have more time to collate
IVA your financial information, simply download
questionnaire our easy to use… Download from here…
form?

55. Thanks for the
Guidance
You May Contact Us at
Administration Centre,
Room 4, Gable House,
239 Regents Park Road,
London, N3 3LF
Phone - 0800 074 6918
Email – info@bankruptcy-insolvency.co.uk
Visit at: http://www.bankruptcy-
insolvency.co.uk/