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Click to play the video testimonial by Kieran Newell, Manchester Oct 06
"The service was brilliant! Thank you I now have peace of mind and no longer feel suicidal over my debts"
Mr. F.G., Birmingham, May 06
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Frequently Asked Questions And Answers
FAQs - General
If Someone Has An IVA, How Long Are You A Credit Risk?
When searching for the correct debt solution, it is essential to fully understand the impact of all the debt solutions available to you.
It is only when you are in possession of all the facts that that you can make an accurate assessment.
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Posted by Iain Wrenshall at 6:52 PM
IVA : Will An IVA Affect My Parents Credit Rating If I Live At Home?
If you are in an Individual Voluntary Arrangement (IVA) and you still live at home your Individual Voluntary Arrangement (IVA) will be registered on the credit register using that address.
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Posted by Chris Wrenshall at 8:14 PM
IVA : Will My Landlord Find Out About My IVA?
The good news is your landlord is not automatically told about your Individual Voluntary Arrangement (IVA).
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Posted by Chris Wrenshall at 3:20 PM
IVA : What Is A Hire Purchase Agreement?
A Hire-purchase agreement is a mechanism for borrowing money in order to buy goods.
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Posted by Chris Wrenshall at 10:20 AM
IVA : Can I Change Cars In An IVA?
Yes you can change your car in an Individual Voluntary Arrangement (IVA).
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Posted by Chris Wrenshall at 4:59 PM
IVA : Will My IVA Be Affected If I Change My Job?
It is perfectly acceptable for you to change jobs whilst in an Individual Voluntary Arrangement (IVA)
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Posted by Chris Wrenshall at 1:34 PM
IVA : Can I Take A Payment Break?
If you have agreed to the terms of an Individual Voluntary Arrangement (IVA), you have agreed to pay your creditors regular amounts at regular periods.
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Posted by Chris Wrenshall at 9:06 PM
IVA : Can I Finish My IVA Early?
The normal duration for an Individual Voluntary Arrangement (IVA) is 5 years but in fact there are no restrictions on the minimum length of an Individual Voluntary Arrangement (IVA). The majority of Individual Voluntary Arrangements (IVAs) are expected to last for 5 years but the supervisor of the arrangement, usually an Insolvency Practitioner, can extend the term to 6 years and more rarely 7 years.
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Posted by Chris Wrenshall at 9:30 AM
IVA : I Am In An IVA But Can I Work For Myself?
If you are in an Individual Voluntary Arrangement (IVA) and you want to start working for yourself there is nothing that prohibits you from doing so, but there are some points that the debt specialists at myIVA-Adviser.com would like you to be aware of.
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Posted by Chris Wrenshall at 4:23 PM
IVA : Will My Family Or Partner Find Out About My IVA?
An Individual Voluntary Arrangement (IVA) is a private arrangement between you and your creditors so there should be no need for your family or partner to find out. The only exceptions to this is if you are buying a property jointly, or if you have shared or joint debts.
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Posted by Chris Wrenshall at 9:49 PM
IVA : Do I Really Need An IVA?
The question as to whether an Individual Voluntary Arrangement (IVA) is appropriate or not, is always a difficult one and has to be carefully considered, it needs to be balanced against many factors.
By the time someone is considering the possibility of an Individual Voluntary Arrangement (IVA) most alternatives will have been looked at.
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Posted by Chris Wrenshall at 9:46 AM
IVA : What Happens If I receive A Windfall Payment during my Individual Voluntary Arrangement?
IVA : Will I Have To Sell My Car If I Enter An Individual Voluntary Arrangement ?
For many reasons this is one of the more frequently asked questions of Individual Voluntary Arrangement advisers, and the answer is usually no.
It is, however, understandable that people considering an Individual Voluntary Arrangement would have worries about what may happen to their car, because of the consequences of having to live without it.
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Posted by Chris Wrenshall at 5:05 PM
IVA : Do I qualify For An IVA ?
Technically, Individual Voluntary Arrangements (IVAs) are available to anyone with any level of debt, but because of the large numbers of people in financial difficulty, creditors have imposed certain qualifying criteria in an attempt to keep the volume of Individual Voluntary Arrangement - IVA applicants low.
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Posted by Chris Wrenshall at 2:49 PM
IVA : How Long Does It Take To Set Up An IVA ?
The time span on setting up an Individual Voluntary Arrangement (IVA) is not a fixed one, it depends on several factors but can be set up quite quickly if needed. The key to a successful Individual Voluntary Arrangement (IVA) application often lies in the hands of the debtor.
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Posted by Chris Wrenshall at 7:26 PM
IVA : Under Pressure To Consolidate ?
One debt solution that maybe available to people facing a serious debt problem is a consolidation loan.
But is a consolidation loan the right solution for you?
In this article, myIVA-Adviser.com takes a closer look.
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Posted by Iain Wrenshall at 8:18 PM
IVA : Is An IVA The Right Way Forward For Me ?
Many people enter into an Individual Voluntary Arrangement (IVA), because they have a strong desire to repay the money they owe to their unsecured creditors, but simply cannot afford to do so at the rate expected.
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Posted by Iain Wrenshall at 9:24 PM
IVA : Is An IVA Better Than A Consolidation Loan ?
If you have a serious debt problem, and are looking at your available options, the chances are you have looked into getting a consolidation loan.
But there are some situations where an Individual Voluntary Arrangement (IVA) would be a more suitable solution.
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Posted by Iain Wrenshall at 11:48 PM
IVA : Consolidation Loan or an IVA ?
Under what circumstances would an Individual Voluntary Arrangement (IVA) be suggested as the most appropriate debt solution, when a consolidation loan is also a possibility ?
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Posted by Iain Wrenshall at 8:15 PM
IVA : I Think I Qualify, What's The Next Step ?
When you have read through the details of how an IVA will benefit your case, and decided the IVA debt solution is your preferred action, this is what you can expect to happen when you make your call for help.
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Posted by Iain Wrenshall at 12:39 PM
IVA : Will My IVA Proposal Be Accepted ?
The million dollar question.
It is reported that as many as 80% of all Individual Voluntary Arrangement (IVA) applications are successful. However, that's small comfort if your IVA is one of the rejected 20%.
The good news is that you can do something to increase your chances of applying for an Individual Voluntary Arrangement (IVA) successfully.
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Posted by Iain Wrenshall at 1:00 PM
IVA : When Will I Stop Paying My Creditors?
During the preparatory stage of an Individual Voluntary Arrangement (IVA), the debtor will be instructed by the nominated insolvency practitioner to stop paying money to their creditors.
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Posted by Iain Wrenshall at 8:36 PM
IVA : How Will My Creditors React To My IVA?
Once a person in financial difficulties has decided on using an Individual Voluntary Arrangement (IVA) as their preferred solution to their debt problem, it is not unusual for them to experience doubts about the Individual Voluntary Arrangement (IVA) process, and how the Individual Voluntary Arrangement (IVA) is likely to be received by their creditors.
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Posted by Iain Wrenshall at 3:31 PM
IVA : Who Will Know About My IVA?
For some people, the thought of friends or family finding out about their financial difficulties causes great concern.
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Posted by Iain Wrenshall at 6:00 PM
IVA : What Happens When My IVA Finishes?
Of the many questions that we are asked regarding Individual Voluntary Arrangements (IVAs) and the processes involved, this question is often overlooked, but we feel it is of real importance.
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Posted by Iain Wrenshall at 3:30 PM
IVA : How much will I pay ?
The first question that enters anyone's mind when considering an Individual Voluntary Arrangement is: "How much will I have to pay towards my IVA ?"
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Posted by Iain Wrenshall at 4:33 PM
IVA : IVA Advisers And How To Find The Best IVA Consultant.
Getting correct advice is essential to making the right decision when considering an Individual Voluntary Arrangement (IVA). As obvious as it may seem the quality of the IVA advice given will depend on the quality of the Individual Voluntary Arrangement (IVA) adviser giving it.
In an ever increasingly competitive market place, finding an Individual Voluntary Arrangement (IVA) adviser with a thorough knowledge of the Individual Voluntary Arrangement (IVA) subject and an ability to pass on their knowledge, is getting more and more difficult.
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Posted by Iain Wrenshall at 8:38 PM
IVA : Debt Management or IVA, Which Is Best ?
The crucial decision.
Do you make your repayment plan Formal by using an Individual Voluntary Arrangement, or Informal by using a Debt Management Programme ?
Your personal circumstances will have a major bearing on the outcome of this decision, because each solution, be it an Individual Voluntary Arrangement (IVA) or a Debt Management Programme, has its Pros and Cons.
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Posted by Iain Wrenshall at 10:40 AM
IVA : Debts, Secured Or Unsecured? That Is The Question.
Another good question we are asked frequently at myIVA-Adviser.com is: "Which Debts can go into an Individual Voluntary Arrangement (IVA) ?"
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Posted by Iain Wrenshall at 7:16 AM
IVA : IVA Or Debt Management Programme ?
The answer to this question will be based on the personal circumstances of each case.
Certain situations will clearly suit an Individual Voluntary Arrangement (IVA) over a Debt Management Programme, based on one of the many reasons that make the Individual Voluntary Arrangement (IVA) such a good debt solution, for instance the possible debt write off, or fixed time of the repayments, but other debtor circumstances will favour the Debt Management Programme category.
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Posted by Iain Wrenshall at 11:47 PM
IVA : Will I Have To Attend Court To Do My IVA?
The simple answer to the question is NO you will not need to attend Court whilst applying for an Individual Voluntary Arrangement (IVA).
Unlike with the Bankruptcy process which does require a person to attend Court, an Individual Voluntary Arrangement (IVA) does not require the applicant to attend Court.
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Posted by Iain Wrenshall at 7:19 PM
IVA : Can I Apply For An IVA ?
Not knowing whether you can apply for an Individual Voluntary Arrangement (IVA) could be all that's between you and financial freedom.
The answer to whether you can apply for an Individual Voluntary Arrangement (IVA) is quite straight forward.
If you can answer YES to the following questions, then you can apply for an Individual Voluntary Arrangement (IVA) is an option to your debt problem:
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Posted by Iain Wrenshall at 8:52 PM
IVA : How Much Will My IVA Monthly Repayment Be?
IVA : Can An IVA Include A CCJ ?
A County Court Judgement (CCJ) debt can be included in an Individual Voluntary Arrangement.
The ethic of fair treatment for all unsecured creditors that surrounds an Individual Voluntary Arrangement insists that no one creditor should be given priority over another, even when that priority is a CCJ.
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Posted by Iain Wrenshall at 6:16 PM
IVA : What Are Individual Voluntary Arrangements (IVAs) ?
An Individual Voluntary Arrangement, or an IVA, as it generally called, is a mechanism used for helping people with serious debt problems become debt free.
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Posted by Iain Wrenshall at 2:39 PM
IVA : How Long Does It Take To Set Up An Individual Voluntary Arrangement (IVA)?
When you realise that you have a serious debt problem, it is quite natural to look for the quickest debt solution, to ease the anxiety of your situation.
This anxiety is based around seeking protection from your creditors.
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Posted by Iain Wrenshall at 6:11 PM
IVA : Do I Need To Open A New Bank Account For My Individual Voluntary Arrangement ?
In most Individual Voluntary Arrangement cases it will be necessary to open a new bank account, and usually, the sooner the better.
This is because, in the majority of cases, people with debt problems have at least one debt with their current preferred bank.
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Posted by Iain Wrenshall at 11:05 AM
IVA : How Will An IVA Affect My Credit Rating ?
IVA : IVA or Bankruptcy, Which Is The Best Solution For Me?
This is one of the most important questions facing people with a serious debt problem and, to be honest, it can be an extremely difficult question to answer.
Often people who are in this situation believe that Bankruptcy is their only option, and are often unaware that an Individual Voluntary Arrangement even exists, as a viable alternative to Bankruptcy.
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Posted by Iain Wrenshall at 5:25 PM
IVA : How Do I Find The Best IVA Company For Me ?
Individual Voluntary Arrangements are administered by Insolvency Practitioners (I.P.s), and there are many based all over the country. As in all walks of life though, some are better than others, so finding a reputable Insolvency Practitioner when you need one is not always straight forward.
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Posted by Iain Wrenshall at 11:38 AM
IVA : How Will An Individual Voluntary Arrangement Affect The Equity In My House ?
The way that an Individual Voluntary Arrangement affects the equity in a family home can have a serious impact on the decision as to whether an Individual Voluntary Arrangement is a realistic solution for people with serious debt problems.
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Posted by Iain Wrenshall at 8:45 AM
IVA : Which Is Best - An Individual Voluntary Arrangement or a Loan?
Do I choose an Individual Voluntary Arrangement over a Loan?
This is a question we are asked many times here at myIVA-Adviser.com by people looking for ways out of debt.
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Posted by Iain Wrenshall at 3:53 PM
IVA : How To Get IVA Help
Understanding Individual Voluntary Arrangements can be a complex business.
Each Individual Voluntary Arrangement is unique and has its own complexities, but here at myIVA-Adviser.com we firmly believe that it makes good sense to explain to each client in full detail how an Individual Voluntary Arrangement would work for them specifically to their circumstances.
For general Individual Voluntary Arrangement help we provide a series of guides for you to download.
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Posted by Iain Wrenshall at 2:49 PM
IVA : How Does An Individual Voluntary Arrangement Work ?
Although the subject of Individual Voluntary Arrangements (IVAs) can be quite complex, in principal the actual Individual Voluntary Arrangement concept is based on a very simple idea, and it works like this...
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Posted by Iain Wrenshall at 9:58 AM
IVA : What Is An Individual Voluntary Arrangement (IVA) ?
To discuss your circumstances with a qualified IVA specialist call myIVA-Adviser.com now on 0800 088 7503
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