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Client Testimonials

IVA Testimonials Click to play the video testimonial by Kieran Newell, Manchester Oct 06

"Understanding, non-judgemental, alleviating stress for me and helping out exceptionally in my financial situation."
Mr and Mrs O., Liverpool, Dec 05


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Frequently Asked Questions And Answers

Individual Voluntary Arrangements

IVAs are designed to assist any person struggling with an overwhelming debt problem.

But what happens when one of the debts is owed to the Student Loan Company?

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Posted by Chris Wrenshall at 3:30 PM

At myIVA-Adviser.com we can advise you about how an IVA will affect your equity. If you are in debt but you own a property it may be that any equity in your property may help to solve your debt.

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Posted by Chris Wrenshall at 3:20 PM

To find out more about IVA's ask myIVA-Adviser.com we specialise in giving IVA advice to people with serious debt problems.

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Posted by Chris Wrenshall at 12:54 PM

What are IVAs? Visit myIVA adviser.com to find out. We specialise in giving factual IVA advice to people considering an IVA.

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Posted by Chris Wrenshall at 12:13 PM

If you are unemployed you will not be allowed to do an IVA. The rules of an IVA state that you must not be unemployed.

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Posted by Chris Wrenshall at 11:58 AM

The choice between IVA versus bankruptcy will depend on your circumstances and on your attitude towards the money you owe. At myIVA-Adviser.com we specialise in giving the most appropriate debt advice unlike some other companies which have a hidden agenda to put you into an arrangement that suits their profit margin more than your debt problem.

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Posted by Chris Wrenshall at 11:27 AM

A mortgage is not included as a debt in an IVA. A mortgage is a secured debt which cannot be included in an IVA

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Posted by Chris Wrenshall at 10:41 AM

If you are asking yourself "Can I get an IVA?" you should speak to myIVA-Adviser.com who specialise in arranging IVAs for clients if that is the most appropriate solution to their debt problem.

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Posted by Chris Wrenshall at 12:15 PM

'How long does it take to start an IVA up?' is a question we are often asked here at myIVA-Adviser.com We have written a series of articles which can be found at our articles page

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Posted by Chris Wrenshall at 11:59 AM

Mortgages for IVA holders are usually arranged by specialist mortgage providers. At myIVA-Adviser.com we can help you find such a specialist mortgage provider.

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Posted by Chris Wrenshall at 11:42 AM

If you have an attachment of earnings through a CCJ an IVA will override these payments and the total of your debt will be paid through the IVA. At myIVA-Adviser.com we are able to advise you on how an IVA will affect any attachment of earnings payments you already have.

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Posted by Chris Wrenshall at 11:29 AM

We believe the best IVA service you can find is at myIVA-Adviser.com We are a dedicated IVA provider with specialist IVA advisers ready to help you whenever you call.

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Posted by Chris Wrenshall at 1:32 PM

Changing bank accounts for an IVA can be one of the biggest mental hurdles when applying for an IVA. Many people have had the same bank account for many years and often know the staff in the bank they use. The thought of changing the bank account they have had for a long time takes some getting used to.

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Posted by Chris Wrenshall at 1:14 PM

It is not permitted to give loans to people with IVAs. The point of an IVA is to allow people in debt to pay back what they can afford with out taking out further loans. At myIVA-Adviser.com we give advice about how to change your lifestyle when in an IVA.

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Posted by Chris Wrenshall at 12:59 PM

Your credit file will be affected if you enter into an IVA. An IVA is registered on the Insolvency Service website.

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Posted by Chris Wrenshall at 12:26 PM

The HSBC bank have recently announced that they will only accept an IVA if the total dividend paid to them exceeds 40 pence in the £.

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Posted by Chris Wrenshall at 12:02 PM

IVA qualification is not automatic. Qualification depends on a wide variety of factors which affect each individual case. At myIVA-Adviser.com we specialise in giving IVA advice including what is needed for IVA qualification.

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Posted by Chris Wrenshall at 11:36 AM

At myIVA-Adviser.com we have a series of case studies set out at our testimonial page.

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Posted by Chris Wrenshall at 11:08 AM

Knowing the downside of an IVA is something you need to be aware of when considering an IVA. At myIVA-Adviser.com we specialise in giving advice about IVAs including the downside of an IVA.

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Posted by Chris Wrenshall at 4:17 PM

What are IVAs? IVAs are structured repayment schemes designed to help people in chronic debt pay all their creditors what they can reasonably afford over a fixed period whilst having any interest frozen.

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Posted by Chris Wrenshall at 3:36 PM

Which is best Bankruptcy v IVA is one of the most asked questions here at myIVA-Adviser.com. It is a very important question and for that reason we have written an article called "IVA or Bankruptcy which is the best solution for me"

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Posted by Chris Wrenshall at 3:22 PM

Settling an IVA would normally take five years, there are however other ways of settling an IVA early. At myIVA-Adviser.com we specialise in giving IVA advice including settling an IVA early.

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Posted by Chris Wrenshall at 3:11 PM

"Can I get a mortgage whilst on an IVA?" is somthing we are asked a lot here at myIVA-Adviser.com

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Posted by Chris Wrenshall at 6:16 PM

Setting up an IVA should be a straightforward task. At myIVA-Adviser.com we specialise in helping people enter IVAs if it is the most appropriate solution.

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Posted by Chris Wrenshall at 6:05 PM

Problems with IVA's can occur so it is important to only enter into an IVA if it is the most suitable solution for you. At myIVA-Adviser.com we take great care in advising our clients on the most appropriate solution for their debt to minimise the chances of problems with IVA's.

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Posted by Chris Wrenshall at 5:53 PM

"IVA Information" is the title of an article we have written at myIVA-Adviser.com and can be found at our articles page along with many other articles designed to help you get a better understanding of an IVA

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Posted by Chris Wrenshall at 5:40 PM

Surviving debt may seem impossible when creditors are chasing you constantly, phoning, writing and constantly hassling you at all times of the day. At myIVA-Adviser.com we can help you resolve your debt problems and plan for a debt free future.

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Posted by Chris Wrenshall at 5:16 PM

"What does IVA mean?" is a question were are often asked here at myIVA-adviser.com The abbreviation IVA stands for Individual Voluntary Arrangement.

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Posted by Chris Wrenshall at 4:59 PM

For a calculation of what an IVA may cost myIVA-Adviser.com has developed "The Debt Detective" for an online calculation of an IVAs costs.

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Posted by Chris Wrenshall at 4:44 PM

What happens after your IVA may seem like a long time away but it is something you may wish to consider before you start. At myIVA-Adviser.com we can advise you about what happens after your IVA.

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Posted by Chris Wrenshall at 4:08 PM

Which is best debt management or IVA is a question we are often asked here at myIVA-Adviser.com

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Posted by Chris Wrenshall at 4:58 PM

IVA drawbacks are few when compared to the advantages An IVA can offer. At myIVA-Adviser.com we have a team of specialists who can offer advice on IVA drawbacks and how these drawbacks can affect you.

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Posted by Chris Wrenshall at 4:56 PM

To make arrangements for an IVA you need to contact a specialist IVA provider. At myIVA-Adviser.com we specialise in making IVA arrangements.

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Posted by Chris Wrenshall at 4:53 PM

If you visit myIVA-Adviser.com we have page dedicated to testimonials from clients who are currently in an IVA.

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Posted by Chris Wrenshall at 4:50 PM

If you visit myIVA-Adviser.com we have many examples of IVAs for you to read through.

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Posted by Chris Wrenshall at 4:43 PM

Paying off an IVA early is possible if you suddenly receive a windfall payment or your circumstances improve. At myIVA-Adviser.com we have specialists ready to give advice about IVAs including paying off an IVA early.

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Posted by Chris Wrenshall at 4:13 PM

Debt consolidation is often confused with IVA consolidation. At myIVA-Adviser.com we can explain the difference between debt consolidation and IVA consolidation.

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Posted by Chris Wrenshall at 4:03 PM

New IVA's are registered on the Insolvency Register which can be accessed through The Insolvency Service website.

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Posted by Chris Wrenshall at 3:50 PM

AtmyIVA-Adviser.com we can assist you wit an IVA and you live in NI (Northern Ireland)

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Posted by Chris Wrenshall at 3:39 PM

At myIVA-Adviser.com we have an excellent IVA success rate.

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Posted by Chris Wrenshall at 3:16 PM

Joint IVAs are IVAs taken out by two people, usually related, and living at the same address. At myIVA-Adviser.com we can help arrange joint IVAs if they are appropriate.

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Posted by Chris Wrenshall at 5:47 PM

At myIVA-Adviser.com we can help and show you start an IVA.

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Posted by Chris Wrenshall at 2:57 PM

If you are unsure about an IVA or Bankruptcy being the best debt solution for you visit myIVA-Adviser.com and read our articles page full of useful comment that may help you to make a decision

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Posted by Chris Wrenshall at 2:41 PM

There is no such thing as a "No fee IVA." All IVAs attract a Fee. This fee is the money paid to an Insolvency Practitioner.

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Posted by Chris Wrenshall at 11:52 AM

The question of how much you pay with an IVA is always important to those who are considering entering into an IVA for obvious reasons. At myIVA-Adviser.com we are completely transparent when it comes to the question of how much you pay.

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Posted by Chris Wrenshall at 5:24 PM

Cancelling an IVA after it has started is possible but unusual given that an IVA was granted as the best solution to your debt problem. At myIVA-Adviser.com we speak to people faced with cancelling an IVA and help them to make the choices needed after cancelling an IVA.

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Posted by Chris Wrenshall at 4:55 PM

At myIVA-Adviser.com we are often asked "Can I have an IVA and a mortgage?" and the answer is yes.

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Posted by Chris Wrenshall at 4:41 PM

At myIVA-Adviser.com we have our own in-house IVA practitioner.

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Posted by Chris Wrenshall at 4:18 PM

At myIVA-Adviser.com we specialise in arranging IVAs for people if it is appropriate. One of the hardest things for people entering into an IVA is to learn how to live without the use of a credit card or credit in general.

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Posted by Chris Wrenshall at 5:53 PM

At myIVA-Adviser.com we help people in the UK get an IVA if it is the most appropriate solution for them.

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Posted by Chris Wrenshall at 4:49 PM

At myIVA-Adviser.com we are often asked "Can you get a mortgage with an IVA?" the answer is yes however the reality may be impractical or not possible.

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Posted by Chris Wrenshall at 3:15 PM

At myIVA-Adviser.com we can give you all the facts about IVA's.

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Posted by Chris Wrenshall at 1:58 PM

At myIVA-Adviser.com we have several clients with a disability. Financial problems affect people whether they have a disability or are able bodied. For that reason the solutions to financial problems are equally available to people with a disability or people who are able bodied. In short because someone has a disability the option of an IVA is just as available to them as anyone else.

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Posted by Chris Wrenshall at 12:23 PM

What is an IVA ? For the answer to this and any other IVA related question call myIVA-Adviser.com on 0800 088 7503.

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Posted by Chris Wrenshall at 11:42 AM

"Can I have a mortgage with an IVA?" is a question people faced with doing an IVA will naturally ask. At myIVA-Adviser.com we are able to answer all questions relating to a mortgage with an IVA.

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Posted by Chris Wrenshall at 11:22 AM

The Citizens Advice Bureau is unable to provide an IVA. The advisers at the Citizens Advice Bureau can only analyse your position and if appropriate refer you to an insolvency practitioner to provide an IVA.

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Posted by Chris Wrenshall at 11:03 AM

At myIVA-Adviser.com we feel we are one of the better IVA providers around. Whit the advent of the internet IVA providers can be found easily.

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Posted by Chris Wrenshall at 3:05 PM

At myIVA-Adviser.com we have a free to download IVA guide page which as it suggests gives access to our free IVA guide page.

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Posted by Chris Wrenshall at 2:50 PM

At myIVA-Adviser.com we can help you to understand the workings of an IVA. For example an IVA encompasses a CCJ overriding the original CCJ and wrapping it up with all your other debt within the IVA.

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Posted by Chris Wrenshall at 2:33 PM

At myIVA-Adviser.com we can help explain the detail of IVA regulation. All IVAs are subject to IVA regulation.

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Posted by Chris Wrenshall at 2:14 PM

At myIVA-Adviser.com we can advise you about IVA regulation. We specialise in providing IVAs and in giving IVA advice including advice about IVA regulation.

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Posted by Chris Wrenshall at 2:53 PM

At myIVA-Adviser.com we can advise you on how long it takes to set up an IVA. We specialise in giving IVA advice including how long it takes to set up an IVA.

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Posted by Chris Wrenshall at 2:37 PM

At myIVA-Adviser.com we can advise you about an early termination of an IVA. We specialise in giving IVA advice including advice on early termination on an IVA.

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Posted by Chris Wrenshall at 1:59 PM

At myIVA-Adviser.com we can advise you about how a student loan is considered in an IVA.

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Posted by Chris Wrenshall at 6:53 PM

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

At myIVA-Adviser.com our job is to point out any IvA pitfalls. If there are any pitfalls in an IVA they usually outweigh the advantages an IVA can offer.

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Posted by Chris Wrenshall at 6:32 PM

In line with the IVA regulations, all IVAs are listed on the IVA register or database.

These records form part of the individual insolvency register held by the Insolvency Service which includes a full list of IVAs and Bankruptcies.

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Posted by Iain Wrenshall at 6:32 PM

For those people who live in Manchester, who are struggling with their debt repayment commitments and who are looking for help in becoming debt free - look no further.

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Posted by Iain Wrenshall at 8:27 PM

The number of people with a serious debt problem in the United Kingdom is increasing each day, with more and more people searching for a permanent debt solution that will help them tackle their problem.

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Posted by Iain Wrenshall at 8:19 PM

When people are experiencing financial pressure due to an over commitment to their personal unsecured debt repayments, they often will not know which way to turn to get help.

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Posted by Iain Wrenshall at 8:09 PM

As the personal debt mountain continues to grow across the whole of the United Kingdom more and more people are finding it necessary to look for a debt solution to their personal debt problem.

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Posted by Iain Wrenshall at 7:45 PM

At myIVA-Adviser.com we can advise you how an IVA may affect your house equity.

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Posted by Chris Wrenshall at 5:39 PM

At myIVA-Adviser.com we help people who have problems with their IVA.

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Posted by Chris Wrenshall at 4:41 PM

"Can I get a mortgage with an IVA?" is a question we are often asked here at myIVA-Adviser.com

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Posted by Chris Wrenshall at 4:22 PM

At myIVA-Adviser.com we can help you choose between bankruptcy vs IVA. We specialise in finding the most appropriate solution for your debt problem whether it's an IVA or bankruptcy.

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Posted by Chris Wrenshall at 12:42 PM

When people are experiencing financial pressure due to an over commitment to their personal unsecured debt repayments, they often will not know which way to turn to get help.

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Posted by Iain Wrenshall at 6:51 PM

For those people who live in Oxfordshire, who are struggling with their debt repayment commitments and who are looking for help in becoming debt free - look no further.

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Posted by Iain Wrenshall at 5:30 PM

The number of people with a serious debt problem in the United Kingdom is increasing each day, with more and more people searching for a permanent debt solution that will help them tackle their problem.

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Posted by Iain Wrenshall at 5:05 PM

As the personal debt mountain continues to grow across the whole of the United Kingdom more and more people are finding it necessary to look for debt solutions to their personal debt problem.

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Posted by Iain Wrenshall at 2:41 PM

At myIVA-Adviser.com we have an IVA dept which provides IVA advice exclusively.

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Posted by Chris Wrenshall at 12:10 PM

At myIVA-Adviser.com we can advise you of the right solution to your debt problem. Generally speaking your options consist of bankruptcy, debt management or an IVA.

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Posted by Chris Wrenshall at 11:58 AM

For information on an IVAs myIVA-Adviser.com offer a first class service from initial contact to a completed IVA.

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Posted by Chris Wrenshall at 10:15 AM

If you live in Southend on Sea and want to do an IVA your IVA provider does not need to be based in Southend on Sea. At myIVA-Adviser.com we help people in debt achieve an IVA from all over the UK. not only Southend on Sea.

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Posted by Chris Wrenshall at 9:52 AM

At myIVA-Adviser.com we can help you work out your IVA budget. An IVA budget is the amount of disposable income you have left after your essential expenses.

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Posted by Chris Wrenshall at 3:27 PM

If you stop paying your IVA once it's started you run the risk of your IVA failing. The point of an IVA is to restructure your monthly payments allowing you to pay your debt off more affordably.

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Posted by Chris Wrenshall at 2:52 PM

To learn more about the IVA register and being self employed read the following articles on the myIVA-Adviser.com articles page

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Posted by Chris Wrenshall at 1:54 PM

Simple IVA's are currently being looked at as an alternative to IVAs but for people with lower levels of debt. At myIVA-Adviser.com we can help you with the latest information about simple IVA's.

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Posted by Chris Wrenshall at 1:39 PM

Simple IVAs otherwise known as SIVAs are proposed to be exactly that. The debt industry is putting great store in simple IVAs (SIVAs) as a way of helping people with lower thresholds of debt who are unable to do a normal IVA simplifying the process through simple IVAs (SIVAs).

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Posted by Chris Wrenshall at 3:23 PM

If you have IVA leads and are looking for the best company to refer them to call myIVA-Adviser.com 0800 088 7503

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Posted by Chris Wrenshall at 3:16 PM

If you are looking for the best company to provide an IVA look no further than myIVA-Adviser.com We are a company that provides IVAs for clients if appropriate.

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Posted by Chris Wrenshall at 2:57 PM

Every IVA is a personal IVA to you. At myIVA-Adviser.com we advise people on how best to achieve an IVA personal to them if appropriate.

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Posted by Chris Wrenshall at 2:47 PM

At myIVA-Adviser.com we can answer your question "How does an IVA work?"

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Posted by Chris Wrenshall at 4:58 PM

myIVA-Adviser.com can answer all your IVA Q&As.

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Posted by Chris Wrenshall at 4:39 PM

If your IVA has been rejected call myIVA-Adviser.com on 0800 088 7503 to discuss your options.

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Posted by Chris Wrenshall at 4:20 PM

"What are IVAs?' is a question we are regularly asked to answer here at myIVA-Adviser.com

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Posted by Chris Wrenshall at 3:28 PM

An IVA agreement is something we specialise in here at myIVA-Adviser.com

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