£5,000 or More in Debt? See If An IVA Can Help.

IVA-Expert is here to help! Call 0161 968 1102.

If you are struggling with debts an Individual Voluntary Arrangement (IVA) may hold the key to your debt-free future & could write-off 85% of debts.

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Just Some Of The Creditors An IVA Could Help You Write Off Debts From:

An Individual Voluntary Arrangement (IVA) is a Government backed scheme that could help you write-off up to 85% of your debts!

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An Individual Voluntary Arrangement, or IVA, is a formal agreement between you and your creditors that is designed to help you manage your debts.

A licensed Insolvency Practitioner will negotiate with your creditors & agree what you can realistically afford to repay. You then pay one lower monthly fee & at the end of your IVA period (5 or 6 years) your remaining unsecured debt will be written off - this can be as much as 85% of your debts.

The benefits of an IVA are:

  • More affordable repayments
  • Stop creditors hassling you
  • Legally protects you from bailiffs
  • Stops attachment to earnings
  • Write off remaining debts & get debt free

Remember: An IVA Could Help You Write-off Up To 85% Of Your Debts!

IVA Example 1 - Reduced Monthly Repayment:

Let's imagine you currently have a debt of £14,000 (from credit cards, loans etc) with monthly repayments of £575 that you are struggling to repay. An IVA could help you reduce your repayments by up to 85% - in our example we have reduced the monthly repayment by 70% to just £173 - a much more manageable repayment.

Current Total Debt Level:
Current Monthly Repayment:
Reduced To:
Repayment Reduced By:

IVA Example 2 - Debt Amount Written Off:

Suppose you have a higher debt level of £48,000 (again made up from credit cards, loans etc) with current monthly repayments of £600 that you are struggling to repay. On an IVA you are expected to pay the maximum you can comfortably afford – e.g. £160 - a much more manageable repayment. Over the duration of the IVA this would mean you only pay back £9,600 of the £48,000 debt and the remaining £38,400 is written off. This reduces your debt by 80%.

Current Total Debt Level:
Current Monthly Repayment:
Reduced To:
Debt Repaid:
Debt Written Off:

The IVA Process

The IVA Process is simple and straight forward.

About IVA Expert

IVA-Expert.co.uk has helped thousands of people just like you to get out of debt. We offer a range of debt solutions tailored to your individual circumstances. Our friendly advisors are specially trained to look at your debt in a non-judgemental way and come up with a solution to help you become debt-free.

Get IVA Help Now

1. Contact us for an assessment

Use our application form or call the helpline on 0161 968 1102 and trained advisors will examine your debt and run through all available options with you.

3. Start Your IVA

Once we have received the documentation back we will instruct the Insolvency Practitioner to start the IVA Process and negotiate with your creditors.

2. Send Your Documents

Given that an IVA is the best solution for you the advisor will go through what documentation you need to complete & send to support your case.

4. Finish the IVA

Once your IVA has been completed all of your unsecured debt you have not managed to pay is legally write off and you can look forward to a debt-free future!

Frequently Asked IVA Questions

  • What is an IVA?

    An IVA, or Individual Voluntary Arrangement, is a formal agreement between you and your creditors that is designed to help you manage your debts and work towards a debt free future.

  • How does an IVA work?

    A lisenced Insolvency Practitioner (IP) will assess what you can realistically afford to pay and present a proposal to your creditors. If your creditors accept the proposal it becomes a legally binding agreement.

  • How long does an IVA last?

    An IVA will typically last five or six years. During this period your Insolvency Practitioner (IP) will review your finances each year and send an annual report to both you and your creditors.

  • Is an IVA right for me?

    Entering into an IVA is not a decision to be taken lightly. You need to get expert help & advice before you decide. IVA-Expert can help you decide if an IVA is the best debt solution to suit your individual circumstances.

  • How Is An IVA Payment Calculated?

    Your IVA payment will be calculated by analysing your income and expenses (not including any debt repayments). We then work out how much money you have left over each month. This left over amount is your potential IVA payment.

  • How does an IVA work?

    A lisenced Insolvency Practitioner (IP) will assess what you can realistically afford to pay and present a proposal to your creditors. If your creditors accept the proposal it becomes a legally binding agreement.

Get IVA Help Now

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Debt Management is a non-formal agreement between you and your creditors that is managed by a debt management company. Debt repayments can be spread out over a longer period to help you manage. Tell us your circumstances and we will asses whether debt management is your best option. Talk to us today on 0161 968 1102.