iva – frequently asked questions and answers

IVA IVA –– Frequently Asked Questions and AnswersFrequently Asked Questions and Answers

The IVA is an extremely powerful tool enabling you to clearThe IVA is an extremely powerful tool enabling you to clearThe IVA is an extremely powerful tool enabling you to clearThe IVA is an extremely powerful tool enabling you to clearThe IVA is an extremely powerful tool enabling you to clearThe IVA is an extremely powerful tool enabling you to clearThe IVA is an extremely powerful tool enabling you to clearThe IVA is an extremely powerful tool enabling you to clearyour debt and return to a clean financial bill of health. This procedureyour debt and return to a clean financial bill of health. This procedureyour debt and return to a clean financial bill of health. This procedureyour debt and return to a clean financial bill of health. This procedureyour debt and return to a clean financial bill of health. This procedureyour debt and return to a clean financial bill of health. This procedureyour debt and return to a clean financial bill of health. This procedureyour debt and return to a clean financial bill of health. This procedure

is not to be confused with the informal procedures such as debt is not to be confused with the informal procedures such as debt is not to be confused with the informal procedures such as debt is not to be confused with the informal procedures such as debt is not to be confused with the informal procedures such as debt is not to be confused with the informal procedures such as debt is not to be confused with the informal procedures such as debt is not to be confused with the informal procedures such as debt management plans. If you wish to discuss the IVA procedure and management plans. If you wish to discuss the IVA procedure and management plans. If you wish to discuss the IVA procedure and management plans. If you wish to discuss the IVA procedure and management plans. If you wish to discuss the IVA procedure and management plans. If you wish to discuss the IVA procedure and management plans. If you wish to discuss the IVA procedure and management plans. If you wish to discuss the IVA procedure and

understand how it can help youunderstand how it can help youunderstand how it can help youunderstand how it can help youunderstand how it can help youunderstand how it can help youunderstand how it can help youunderstand how it can help you????????

IVA (Individual Voluntary IVA (Individual Voluntary IVA (Individual Voluntary IVA (Individual Voluntary IVA (Individual Voluntary IVA (Individual Voluntary IVA (Individual Voluntary IVA (Individual Voluntary Arrangement) OverviewArrangement) OverviewArrangement) OverviewArrangement) OverviewArrangement) OverviewArrangement) OverviewArrangement) OverviewArrangement) Overview

An Individual Voluntary An Individual Voluntary An Individual Voluntary An Individual Voluntary An Individual Voluntary An Individual Voluntary An Individual Voluntary An Individual Voluntary Arrangement (IVA) is a formal Arrangement (IVA) is a formal Arrangement (IVA) is a formal Arrangement (IVA) is a formal Arrangement (IVA) is a formal Arrangement (IVA) is a formal Arrangement (IVA) is a formal Arrangement (IVA) is a formal

agreement between someone who owes agreement between someone who owes agreement between someone who owes agreement between someone who owes agreement between someone who owes agreement between someone who owes agreement between someone who owes agreement between someone who owes money (the debtor) and the people he money (the debtor) and the people he money (the debtor) and the people he money (the debtor) and the people he money (the debtor) and the people he money (the debtor) and the people he money (the debtor) and the people he money (the debtor) and the people he

or s.. or s.. or s.. or s.. or s.. or s.. or s.. or s.. Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


What is an What is an What is an What is an What is an What is an What is an What is an IVA?IVA?IVA?IVA?IVA?IVA?IVA?IVA?

An IVA is a legally binding arrangement An IVA is a legally binding arrangement An IVA is a legally binding arrangement An IVA is a legally binding arrangement An IVA is a legally binding arrangement An IVA is a legally binding arrangement An IVA is a legally binding arrangement An IVA is a legally binding arrangement supervised by a Licensed Insolvency Practitioner, supervised by a Licensed Insolvency Practitioner, supervised by a Licensed Insolvency Practitioner, supervised by a Licensed Insolvency Practitioner, supervised by a Licensed Insolvency Practitioner, supervised by a Licensed Insolvency Practitioner, supervised by a Licensed Insolvency Practitioner, supervised by a Licensed Insolvency Practitioner,

the purpose of..the purpose of..the purpose of..the purpose of..the purpose of..the purpose of..the purpose of..the purpose of..Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


Who can Who can Who can Who can Who can Who can Who can Who can benefit from benefit from benefit from benefit from benefit from benefit from benefit from benefit from an IVA?an IVA?an IVA?an IVA?an IVA?an IVA?an IVA?an IVA?

An IVA is available to all individuals, Sole An IVA is available to all individuals, Sole An IVA is available to all individuals, Sole An IVA is available to all individuals, Sole An IVA is available to all individuals, Sole An IVA is available to all individuals, Sole An IVA is available to all individuals, Sole An IVA is available to all individuals, Sole Traders and Partners who are experiencing Traders and Partners who are experiencing Traders and Partners who are experiencing Traders and Partners who are experiencing Traders and Partners who are experiencing Traders and Partners who are experiencing Traders and Partners who are experiencing Traders and Partners who are experiencing

creditor pressure and...creditor pressure and...creditor pressure and...creditor pressure and...creditor pressure and...creditor pressure and...creditor pressure and...creditor pressure and...Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


Procedure in a Procedure in a Procedure in a Procedure in a Procedure in a Procedure in a Procedure in a Procedure in a brief brief brief brief brief brief brief brief

In theory it is envisaged that the Debtor In theory it is envisaged that the Debtor In theory it is envisaged that the Debtor In theory it is envisaged that the Debtor In theory it is envisaged that the Debtor In theory it is envisaged that the Debtor In theory it is envisaged that the Debtor In theory it is envisaged that the Debtor drafts proposals for presentation to his drafts proposals for presentation to his drafts proposals for presentation to his drafts proposals for presentation to his drafts proposals for presentation to his drafts proposals for presentation to his drafts proposals for presentation to his drafts proposals for presentation to his

creditors prior tocreditors prior tocreditors prior tocreditors prior tocreditors prior tocreditors prior tocreditors prior tocreditors prior to........................Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


Key component Key component Key component Key component Key component Key component Key component Key component for a successful for a successful for a successful for a successful for a successful for a successful for a successful for a successful

IVAIVAIVAIVAIVAIVAIVAIVA

The IVA must offer a higher return to The IVA must offer a higher return to The IVA must offer a higher return to The IVA must offer a higher return to The IVA must offer a higher return to The IVA must offer a higher return to The IVA must offer a higher return to The IVA must offer a higher return to creditors than could otherwise be expected creditors than could otherwise be expected creditors than could otherwise be expected creditors than could otherwise be expected creditors than could otherwise be expected creditors than could otherwise be expected creditors than could otherwise be expected creditors than could otherwise be expected

were the Debtor to...were the Debtor to...were the Debtor to...were the Debtor to...were the Debtor to...were the Debtor to...were the Debtor to...were the Debtor to...Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


Advantages Advantages Advantages Advantages Advantages Advantages Advantages Advantages of an IVAof an IVAof an IVAof an IVAof an IVAof an IVAof an IVAof an IVA

Enables a Sole Trader or Partner to Enables a Sole Trader or Partner to Enables a Sole Trader or Partner to Enables a Sole Trader or Partner to Enables a Sole Trader or Partner to Enables a Sole Trader or Partner to Enables a Sole Trader or Partner to Enables a Sole Trader or Partner to continue to trade and generate income continue to trade and generate income continue to trade and generate income continue to trade and generate income continue to trade and generate income continue to trade and generate income continue to trade and generate income continue to trade and generate income

towards...towards...towards...towards...towards...towards...towards...towards...Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


Disadvantages Disadvantages Disadvantages Disadvantages Disadvantages Disadvantages Disadvantages Disadvantages of an IVAof an IVAof an IVAof an IVAof an IVAof an IVAof an IVAof an IVA

Where contributions from incomeWhere contributions from incomeWhere contributions from incomeWhere contributions from incomeWhere contributions from incomeWhere contributions from incomeWhere contributions from incomeWhere contributions from incomeare being made, IVA's are generally are being made, IVA's are generally are being made, IVA's are generally are being made, IVA's are generally are being made, IVA's are generally are being made, IVA's are generally are being made, IVA's are generally are being made, IVA's are generally expected to be for a... expected to be for a... expected to be for a... expected to be for a... expected to be for a... expected to be for a... expected to be for a... expected to be for a... Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


How do I start an How do I start an How do I start an How do I start an How do I start an How do I start an How do I start an How do I start an IVA?IVA?IVA?IVA?IVA?IVA?IVA?IVA?

You can consider an IVA to deal with You can consider an IVA to deal with You can consider an IVA to deal with You can consider an IVA to deal with You can consider an IVA to deal with You can consider an IVA to deal with You can consider an IVA to deal with You can consider an IVA to deal with your debt problem if you satisfy the your debt problem if you satisfy the your debt problem if you satisfy the your debt problem if you satisfy the your debt problem if you satisfy the your debt problem if you satisfy the your debt problem if you satisfy the your debt problem if you satisfy the following guideline:following guideline:following guideline:following guideline:following guideline:following guideline:following guideline:following guideline:-------- You must have You must have You must have You must have You must have You must have You must have You must have

UK debt... UK debt... UK debt... UK debt... UK debt... UK debt... UK debt... UK debt... Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


I am thinking about I am thinking about I am thinking about I am thinking about I am thinking about I am thinking about I am thinking about I am thinking about starting an IVA but I am a starting an IVA but I am a starting an IVA but I am a starting an IVA but I am a starting an IVA but I am a starting an IVA but I am a starting an IVA but I am a starting an IVA but I am a low paid street cleaner. Will low paid street cleaner. Will low paid street cleaner. Will low paid street cleaner. Will low paid street cleaner. Will low paid street cleaner. Will low paid street cleaner. Will low paid street cleaner. Will

an IVA still work?an IVA still work?an IVA still work?an IVA still work?an IVA still work?an IVA still work?an IVA still work?an IVA still work?

It doesn’t matter if your are street It doesn’t matter if your are street It doesn’t matter if your are street It doesn’t matter if your are street It doesn’t matter if your are street It doesn’t matter if your are street It doesn’t matter if your are street It doesn’t matter if your are street cleaner, toilet cleaner of high paid citycleaner, toilet cleaner of high paid citycleaner, toilet cleaner of high paid citycleaner, toilet cleaner of high paid citycleaner, toilet cleaner of high paid citycleaner, toilet cleaner of high paid citycleaner, toilet cleaner of high paid citycleaner, toilet cleaner of high paid cityinvestment banker. You can propose investment banker. You can propose investment banker. You can propose investment banker. You can propose investment banker. You can propose investment banker. You can propose investment banker. You can propose investment banker. You can propose

an IVA..an IVA..an IVA..an IVA..an IVA..an IVA..an IVA..an IVA..Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


I am OK with some of my debts I am OK with some of my debts I am OK with some of my debts I am OK with some of my debts I am OK with some of my debts I am OK with some of my debts I am OK with some of my debts I am OK with some of my debts but struggling with one loan. Can but struggling with one loan. Can but struggling with one loan. Can but struggling with one loan. Can but struggling with one loan. Can but struggling with one loan. Can but struggling with one loan. Can but struggling with one loan. Can

I leave out the ones I am upI leave out the ones I am upI leave out the ones I am upI leave out the ones I am upI leave out the ones I am upI leave out the ones I am upI leave out the ones I am upI leave out the ones I am upto date with?to date with?to date with?to date with?to date with?to date with?to date with?to date with?

NO, this is illegal. There is NO, this is illegal. There is NO, this is illegal. There is NO, this is illegal. There is NO, this is illegal. There is NO, this is illegal. There is NO, this is illegal. There is NO, this is illegal. There is word under UK law called a word under UK law called a word under UK law called a word under UK law called a word under UK law called a word under UK law called a word under UK law called a word under UK law called a “preference”. A preference..“preference”. A preference..“preference”. A preference..“preference”. A preference..“preference”. A preference..“preference”. A preference..“preference”. A preference..“preference”. A preference..

Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


ImportantImportantImportantImportantImportantImportantImportantImportantInformationInformationInformationInformationInformationInformationInformationInformation

regarding IVAsregarding IVAsregarding IVAsregarding IVAsregarding IVAsregarding IVAsregarding IVAsregarding IVAs

Please note that if you are self employedPlease note that if you are self employedPlease note that if you are self employedPlease note that if you are self employedPlease note that if you are self employedPlease note that if you are self employedPlease note that if you are self employedPlease note that if you are self employedyou can include your business debts too suchyou can include your business debts too suchyou can include your business debts too suchyou can include your business debts too suchyou can include your business debts too suchyou can include your business debts too suchyou can include your business debts too suchyou can include your business debts too such

as trade suppliers, HM Revenue.. as trade suppliers, HM Revenue.. as trade suppliers, HM Revenue.. as trade suppliers, HM Revenue.. as trade suppliers, HM Revenue.. as trade suppliers, HM Revenue.. as trade suppliers, HM Revenue.. as trade suppliers, HM Revenue.. Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


IVAIVAIVAIVAIVAIVAIVAIVAmonthlymonthlymonthlymonthlymonthlymonthlymonthlymonthlyPayment?Payment?Payment?Payment?Payment?Payment?Payment?Payment?

The actual IVA monthly payment is differentThe actual IVA monthly payment is differentThe actual IVA monthly payment is differentThe actual IVA monthly payment is differentThe actual IVA monthly payment is differentThe actual IVA monthly payment is differentThe actual IVA monthly payment is differentThe actual IVA monthly payment is differentfor every IVA case because IVA monthly payments for every IVA case because IVA monthly payments for every IVA case because IVA monthly payments for every IVA case because IVA monthly payments for every IVA case because IVA monthly payments for every IVA case because IVA monthly payments for every IVA case because IVA monthly payments for every IVA case because IVA monthly payments

are based on… are based on… are based on… are based on… are based on… are based on… are based on… are based on… Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


IVA IVA IVA IVA IVA IVA IVA IVA Pros and Cons?Pros and Cons?Pros and Cons?Pros and Cons?Pros and Cons?Pros and Cons?Pros and Cons?Pros and Cons?

Entering into and maintaining payments to Entering into and maintaining payments to Entering into and maintaining payments to Entering into and maintaining payments to Entering into and maintaining payments to Entering into and maintaining payments to Entering into and maintaining payments to Entering into and maintaining payments to the IVA will demonstrate to your creditors the IVA will demonstrate to your creditors the IVA will demonstrate to your creditors the IVA will demonstrate to your creditors the IVA will demonstrate to your creditors the IVA will demonstrate to your creditors the IVA will demonstrate to your creditors the IVA will demonstrate to your creditors your commitment to… your commitment to… your commitment to… your commitment to… your commitment to… your commitment to… your commitment to… your commitment to… Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


The IVAThe IVAThe IVAThe IVAThe IVAThe IVAThe IVAThe IVAProcedureProcedureProcedureProcedureProcedureProcedureProcedureProcedure

A legally binding way to reduce the A legally binding way to reduce the A legally binding way to reduce the A legally binding way to reduce the A legally binding way to reduce the A legally binding way to reduce the A legally binding way to reduce the A legally binding way to reduce the amount that you pay back subject to the amount that you pay back subject to the amount that you pay back subject to the amount that you pay back subject to the amount that you pay back subject to the amount that you pay back subject to the amount that you pay back subject to the amount that you pay back subject to the

agreement of 75agreement of 75agreement of 75agreement of 75agreement of 75agreement of 75agreement of 75agreement of 75%... ... ... ... ... ... ... ... Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


How to start an How to start an How to start an How to start an How to start an How to start an How to start an How to start an IVA?IVA?IVA?IVA?IVA?IVA?IVA?IVA?

The UK Insolvency Helpline IVA team advise The UK Insolvency Helpline IVA team advise The UK Insolvency Helpline IVA team advise The UK Insolvency Helpline IVA team advise The UK Insolvency Helpline IVA team advise The UK Insolvency Helpline IVA team advise The UK Insolvency Helpline IVA team advise The UK Insolvency Helpline IVA team advise on 1000s of IVAs each year. In this brand new on 1000s of IVAs each year. In this brand new on 1000s of IVAs each year. In this brand new on 1000s of IVAs each year. In this brand new on 1000s of IVAs each year. In this brand new on 1000s of IVAs each year. In this brand new on 1000s of IVAs each year. In this brand new on 1000s of IVAs each year. In this brand new

sectionsectionsectionsectionsectionsectionsectionsection we will provide ... we will provide ... we will provide ... we will provide ... we will provide ... we will provide ... we will provide ... we will provide ... Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


Who can anWho can anWho can anWho can anWho can anWho can anWho can anWho can anIVA Help?IVA Help?IVA Help?IVA Help?IVA Help?IVA Help?IVA Help?IVA Help?

An IVA can help anyone who is experiencing An IVA can help anyone who is experiencing An IVA can help anyone who is experiencing An IVA can help anyone who is experiencing An IVA can help anyone who is experiencing An IVA can help anyone who is experiencing An IVA can help anyone who is experiencing An IVA can help anyone who is experiencing debt problems debt problems debt problems debt problems debt problems debt problems debt problems debt problems -------- particularly those who own particularly those who own particularly those who own particularly those who own particularly those who own particularly those who own particularly those who own particularly those who own

property which ... property which ... property which ... property which ... property which ... property which ... property which ... property which ... Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


Will I have toWill I have toWill I have toWill I have toWill I have toWill I have toWill I have toWill I have toPay for this Pay for this Pay for this Pay for this Pay for this Pay for this Pay for this Pay for this Service?Service?Service?Service?Service?Service?Service?Service?

Unlike most fee charging Unlike most fee charging Unlike most fee charging Unlike most fee charging Unlike most fee charging Unlike most fee charging Unlike most fee charging Unlike most fee charging organisationsorganisationsorganisationsorganisationsorganisationsorganisationsorganisationsorganisations when when when when when when when when you consider an IVA through the UK you consider an IVA through the UK you consider an IVA through the UK you consider an IVA through the UK you consider an IVA through the UK you consider an IVA through the UK you consider an IVA through the UK you consider an IVA through the UK Insolvency Helpline... Insolvency Helpline... Insolvency Helpline... Insolvency Helpline... Insolvency Helpline... Insolvency Helpline... Insolvency Helpline... Insolvency Helpline... Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


Advice for Advice for Advice for Advice for Advice for Advice for Advice for Advice for resident of resident of resident of resident of resident of resident of resident of resident of Scotland?Scotland?Scotland?Scotland?Scotland?Scotland?Scotland?Scotland?

We are able to offer advice on debt We are able to offer advice on debt We are able to offer advice on debt We are able to offer advice on debt We are able to offer advice on debt We are able to offer advice on debt We are able to offer advice on debt We are able to offer advice on debt management plans, administration orders, management plans, administration orders, management plans, administration orders, management plans, administration orders, management plans, administration orders, management plans, administration orders, management plans, administration orders, management plans, administration orders,

bankruptcy... bankruptcy... bankruptcy... bankruptcy... bankruptcy... bankruptcy... bankruptcy... bankruptcy... Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


IVA help IVA help IVA help IVA help IVA help IVA help IVA help IVA help AndAndAndAndAndAndAndAnd

Information?Information?Information?Information?Information?Information?Information?Information?

The UK Insolvency Helpline IVA advice team The UK Insolvency Helpline IVA advice team The UK Insolvency Helpline IVA advice team The UK Insolvency Helpline IVA advice team The UK Insolvency Helpline IVA advice team The UK Insolvency Helpline IVA advice team The UK Insolvency Helpline IVA advice team The UK Insolvency Helpline IVA advice team is a free phone 0800 074 6918 service is a free phone 0800 074 6918 service is a free phone 0800 074 6918 service is a free phone 0800 074 6918 service is a free phone 0800 074 6918 service is a free phone 0800 074 6918 service is a free phone 0800 074 6918 service is a free phone 0800 074 6918 service

providing... providing... providing... providing... providing... providing... providing... providing... Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


How an IVA How an IVA How an IVA How an IVA How an IVA How an IVA How an IVA How an IVA works?works?works?works?works?works?works?works?

We have explained in some detail aboutWe have explained in some detail aboutWe have explained in some detail aboutWe have explained in some detail aboutWe have explained in some detail aboutWe have explained in some detail aboutWe have explained in some detail aboutWe have explained in some detail aboutan IVA such as, how an IVA is started,an IVA such as, how an IVA is started,an IVA such as, how an IVA is started,an IVA such as, how an IVA is started,an IVA such as, how an IVA is started,an IVA such as, how an IVA is started,an IVA such as, how an IVA is started,an IVA such as, how an IVA is started,

the costs... the costs... the costs... the costs... the costs... the costs... the costs... the costs... Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


How an IVA is How an IVA is How an IVA is How an IVA is How an IVA is How an IVA is How an IVA is How an IVA is started?started?started?started?started?started?started?started?

The UK Insolvency Helpline IVA team advise The UK Insolvency Helpline IVA team advise The UK Insolvency Helpline IVA team advise The UK Insolvency Helpline IVA team advise The UK Insolvency Helpline IVA team advise The UK Insolvency Helpline IVA team advise The UK Insolvency Helpline IVA team advise The UK Insolvency Helpline IVA team advise on 1000s of IVAs each year. In this brand new on 1000s of IVAs each year. In this brand new on 1000s of IVAs each year. In this brand new on 1000s of IVAs each year. In this brand new on 1000s of IVAs each year. In this brand new on 1000s of IVAs each year. In this brand new on 1000s of IVAs each year. In this brand new on 1000s of IVAs each year. In this brand new

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What’s the cost What’s the cost What’s the cost What’s the cost What’s the cost What’s the cost What’s the cost What’s the cost involved with an involved with an involved with an involved with an involved with an involved with an involved with an involved with an

IVA?IVA?IVA?IVA?IVA?IVA?IVA?IVA?

The costs of setting up and running anThe costs of setting up and running anThe costs of setting up and running anThe costs of setting up and running anThe costs of setting up and running anThe costs of setting up and running anThe costs of setting up and running anThe costs of setting up and running anIVA are paid by two lots of fees…IVA are paid by two lots of fees…IVA are paid by two lots of fees…IVA are paid by two lots of fees…IVA are paid by two lots of fees…IVA are paid by two lots of fees…IVA are paid by two lots of fees…IVA are paid by two lots of fees…



What’s an What’s an What’s an What’s an What’s an What’s an What’s an What’s an IVA approvalIVA approvalIVA approvalIVA approvalIVA approvalIVA approvalIVA approvalIVA approvalprocess?process?process?process?process?process?process?process?

Introduced a new procedure whereby aIntroduced a new procedure whereby aIntroduced a new procedure whereby aIntroduced a new procedure whereby aIntroduced a new procedure whereby aIntroduced a new procedure whereby aIntroduced a new procedure whereby aIntroduced a new procedure whereby adebtor could come to an arrangementdebtor could come to an arrangementdebtor could come to an arrangementdebtor could come to an arrangementdebtor could come to an arrangementdebtor could come to an arrangementdebtor could come to an arrangementdebtor could come to an arrangement

with his/her… with his/her… with his/her… with his/her… with his/her… with his/her… with his/her… with his/her… Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


What’s an What’s an What’s an What’s an What’s an What’s an What’s an What’s an IVA IVA IVA IVA IVA IVA IVA IVA

Criteria?Criteria?Criteria?Criteria?Criteria?Criteria?Criteria?Criteria?

Detail about the criteria that has to beDetail about the criteria that has to beDetail about the criteria that has to beDetail about the criteria that has to beDetail about the criteria that has to beDetail about the criteria that has to beDetail about the criteria that has to beDetail about the criteria that has to besatisfied in order for an IVA to besatisfied in order for an IVA to besatisfied in order for an IVA to besatisfied in order for an IVA to besatisfied in order for an IVA to besatisfied in order for an IVA to besatisfied in order for an IVA to besatisfied in order for an IVA to be

accepted … accepted … accepted … accepted … accepted … accepted … accepted … accepted … Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


What’s an What’s an What’s an What’s an What’s an What’s an What’s an What’s an IVA Estimated IVA Estimated IVA Estimated IVA Estimated IVA Estimated IVA Estimated IVA Estimated IVA Estimated time scale?time scale?time scale?time scale?time scale?time scale?time scale?time scale?

This is a typical timescale for gettingThis is a typical timescale for gettingThis is a typical timescale for gettingThis is a typical timescale for gettingThis is a typical timescale for gettingThis is a typical timescale for gettingThis is a typical timescale for gettingThis is a typical timescale for gettingan IVA agreed with creditors froman IVA agreed with creditors froman IVA agreed with creditors froman IVA agreed with creditors froman IVA agreed with creditors froman IVA agreed with creditors froman IVA agreed with creditors froman IVA agreed with creditors from

initiation … initiation … initiation … initiation … initiation … initiation … initiation … initiation … Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


Bankruptcy Bankruptcy Bankruptcy Bankruptcy Bankruptcy Bankruptcy Bankruptcy Bankruptcy or or or or or or or or

IVA ?IVA ?IVA ?IVA ?IVA ?IVA ?IVA ?IVA ?

Debt advice is Britain's new growthDebt advice is Britain's new growthDebt advice is Britain's new growthDebt advice is Britain's new growthDebt advice is Britain's new growthDebt advice is Britain's new growthDebt advice is Britain's new growthDebt advice is Britain's new growthindustry. Thousands of people are employedindustry. Thousands of people are employedindustry. Thousands of people are employedindustry. Thousands of people are employedindustry. Thousands of people are employedindustry. Thousands of people are employedindustry. Thousands of people are employedindustry. Thousands of people are employed

to pick up the… to pick up the… to pick up the… to pick up the… to pick up the… to pick up the… to pick up the… to pick up the… Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


IVA IVA IVA IVA IVA IVA IVA IVA Documentation Documentation Documentation Documentation Documentation Documentation Documentation Documentation Required?Required?Required?Required?Required?Required?Required?Required?

This is a list of the documentation usually This is a list of the documentation usually This is a list of the documentation usually This is a list of the documentation usually This is a list of the documentation usually This is a list of the documentation usually This is a list of the documentation usually This is a list of the documentation usually required when proposing an IVA. Obviously, required when proposing an IVA. Obviously, required when proposing an IVA. Obviously, required when proposing an IVA. Obviously, required when proposing an IVA. Obviously, required when proposing an IVA. Obviously, required when proposing an IVA. Obviously, required when proposing an IVA. Obviously,

this will … this will … this will … this will … this will … this will … this will … this will … Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


Individual Individual Individual Individual Individual Individual Individual Individual Insolvency Insolvency Insolvency Insolvency Insolvency Insolvency Insolvency Insolvency Register?Register?Register?Register?Register?Register?Register?Register?

The register gives details of: bankruptcies The register gives details of: bankruptcies The register gives details of: bankruptcies The register gives details of: bankruptcies The register gives details of: bankruptcies The register gives details of: bankruptcies The register gives details of: bankruptcies The register gives details of: bankruptcies that are current or have ended in thethat are current or have ended in thethat are current or have ended in thethat are current or have ended in thethat are current or have ended in thethat are current or have ended in thethat are current or have ended in thethat are current or have ended in the

last… last… last… last… last… last… last… last… Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


What about IVA What about IVA What about IVA What about IVA What about IVA What about IVA What about IVA What about IVA Lifestyle ?Lifestyle ?Lifestyle ?Lifestyle ?Lifestyle ?Lifestyle ?Lifestyle ?Lifestyle ?

Your lifestyle isn’t forced to change ifYour lifestyle isn’t forced to change ifYour lifestyle isn’t forced to change ifYour lifestyle isn’t forced to change ifYour lifestyle isn’t forced to change ifYour lifestyle isn’t forced to change ifYour lifestyle isn’t forced to change ifYour lifestyle isn’t forced to change ifyou enter an IVA, providing that you you enter an IVA, providing that you you enter an IVA, providing that you you enter an IVA, providing that you you enter an IVA, providing that you you enter an IVA, providing that you you enter an IVA, providing that you you enter an IVA, providing that you

do not … do not … do not … do not … do not … do not … do not … do not … Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


Dept Free Dept Free Dept Free Dept Free Dept Free Dept Free Dept Free Dept Free after an after an after an after an after an after an after an after an IVA ?IVA ?IVA ?IVA ?IVA ?IVA ?IVA ?IVA ?

The only debts to be included in anThe only debts to be included in anThe only debts to be included in anThe only debts to be included in anThe only debts to be included in anThe only debts to be included in anThe only debts to be included in anThe only debts to be included in anIVA are unsecured ones. ProvidedIVA are unsecured ones. ProvidedIVA are unsecured ones. ProvidedIVA are unsecured ones. ProvidedIVA are unsecured ones. ProvidedIVA are unsecured ones. ProvidedIVA are unsecured ones. ProvidedIVA are unsecured ones. Providedyou have included … you have included … you have included … you have included … you have included … you have included … you have included … you have included … Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


Is My home Is My home Is My home Is My home Is My home Is My home Is My home Is My home protected in an protected in an protected in an protected in an protected in an protected in an protected in an protected in an

IVA ?IVA ?IVA ?IVA ?IVA ?IVA ?IVA ?IVA ?

If you are living in rented accommodation, If you are living in rented accommodation, If you are living in rented accommodation, If you are living in rented accommodation, If you are living in rented accommodation, If you are living in rented accommodation, If you are living in rented accommodation, If you are living in rented accommodation, there is no risk to your home in an IVA. You there is no risk to your home in an IVA. You there is no risk to your home in an IVA. You there is no risk to your home in an IVA. You there is no risk to your home in an IVA. You there is no risk to your home in an IVA. You there is no risk to your home in an IVA. You there is no risk to your home in an IVA. You

should … should … should … should … should … should … should … should … Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


What are the What are the What are the What are the What are the What are the What are the What are the chances of IVA chances of IVA chances of IVA chances of IVA chances of IVA chances of IVA chances of IVA chances of IVA Rejection?Rejection?Rejection?Rejection?Rejection?Rejection?Rejection?Rejection?

To have an IVA approved at the Creditors To have an IVA approved at the Creditors To have an IVA approved at the Creditors To have an IVA approved at the Creditors To have an IVA approved at the Creditors To have an IVA approved at the Creditors To have an IVA approved at the Creditors To have an IVA approved at the Creditors Meeting, more than 75% in value, of the Meeting, more than 75% in value, of the Meeting, more than 75% in value, of the Meeting, more than 75% in value, of the Meeting, more than 75% in value, of the Meeting, more than 75% in value, of the Meeting, more than 75% in value, of the Meeting, more than 75% in value, of the

creditors creditors creditors creditors creditors creditors creditors creditors … … … … … … … … Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


will I be ablewill I be ablewill I be ablewill I be ablewill I be ablewill I be ablewill I be ablewill I be ableto keep myto keep myto keep myto keep myto keep myto keep myto keep myto keep myCar ?Car ?Car ?Car ?Car ?Car ?Car ?Car ?

Under normal circumstances, there should Under normal circumstances, there should Under normal circumstances, there should Under normal circumstances, there should Under normal circumstances, there should Under normal circumstances, there should Under normal circumstances, there should Under normal circumstances, there should be no reason for the car to be taken in an be no reason for the car to be taken in an be no reason for the car to be taken in an be no reason for the car to be taken in an be no reason for the car to be taken in an be no reason for the car to be taken in an be no reason for the car to be taken in an be no reason for the car to be taken in an

IVA… IVA… IVA… IVA… IVA… IVA… IVA… IVA… Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


What will What will What will What will What will What will What will What will Happen to my Happen to my Happen to my Happen to my Happen to my Happen to my Happen to my Happen to my Credit Rating?Credit Rating?Credit Rating?Credit Rating?Credit Rating?Credit Rating?Credit Rating?Credit Rating?

Once you have defaulted on your Once you have defaulted on your Once you have defaulted on your Once you have defaulted on your Once you have defaulted on your Once you have defaulted on your Once you have defaulted on your Once you have defaulted on your contractual payments and received a contractual payments and received a contractual payments and received a contractual payments and received a contractual payments and received a contractual payments and received a contractual payments and received a contractual payments and received a

default notice, … default notice, … default notice, … default notice, … default notice, … default notice, … default notice, … default notice, … Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


What about Credit What about Credit What about Credit What about Credit What about Credit What about Credit What about Credit What about Credit Report and Individual Report and Individual Report and Individual Report and Individual Report and Individual Report and Individual Report and Individual Report and Individual

Voluntary Voluntary Voluntary Voluntary Voluntary Voluntary Voluntary Voluntary Arrangements?Arrangements?Arrangements?Arrangements?Arrangements?Arrangements?Arrangements?Arrangements?

This guide explains what an individual This guide explains what an individual This guide explains what an individual This guide explains what an individual This guide explains what an individual This guide explains what an individual This guide explains what an individual This guide explains what an individual voluntary arrangement (IVA) is and voluntary arrangement (IVA) is and voluntary arrangement (IVA) is and voluntary arrangement (IVA) is and voluntary arrangement (IVA) is and voluntary arrangement (IVA) is and voluntary arrangement (IVA) is and voluntary arrangement (IVA) is and how it could affect … how it could affect … how it could affect … how it could affect … how it could affect … how it could affect … how it could affect … how it could affect … Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


Will entering into an Will entering into an Will entering into an Will entering into an Will entering into an Will entering into an Will entering into an Will entering into an IVA affect my ability IVA affect my ability IVA affect my ability IVA affect my ability IVA affect my ability IVA affect my ability IVA affect my ability IVA affect my ability to obtain credit?to obtain credit?to obtain credit?to obtain credit?to obtain credit?to obtain credit?to obtain credit?to obtain credit?

An IVA will appear on your credit An IVA will appear on your credit An IVA will appear on your credit An IVA will appear on your credit An IVA will appear on your credit An IVA will appear on your credit An IVA will appear on your credit An IVA will appear on your credit report for a minimum of six years report for a minimum of six years report for a minimum of six years report for a minimum of six years report for a minimum of six years report for a minimum of six years report for a minimum of six years report for a minimum of six years from the date … from the date … from the date … from the date … from the date … from the date … from the date … from the date … Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


What will happen to What will happen to What will happen to What will happen to What will happen to What will happen to What will happen to What will happen to my credit report when my credit report when my credit report when my credit report when my credit report when my credit report when my credit report when my credit report when

my IVA ends?my IVA ends?my IVA ends?my IVA ends?my IVA ends?my IVA ends?my IVA ends?my IVA ends?

Once your IVA ends, the Insolvency Once your IVA ends, the Insolvency Once your IVA ends, the Insolvency Once your IVA ends, the Insolvency Once your IVA ends, the Insolvency Once your IVA ends, the Insolvency Once your IVA ends, the Insolvency Once your IVA ends, the Insolvency Service will let the credit reference Service will let the credit reference Service will let the credit reference Service will let the credit reference Service will let the credit reference Service will let the credit reference Service will let the credit reference Service will let the credit reference

agencies … agencies … agencies … agencies … agencies … agencies … agencies … agencies … Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


Who can look my Who can look my Who can look my Who can look my Who can look my Who can look my Who can look my Who can look my Credit Report other Credit Report other Credit Report other Credit Report other Credit Report other Credit Report other Credit Report other Credit Report other than lenders?than lenders?than lenders?than lenders?than lenders?than lenders?than lenders?than lenders?

Landlords and employers can look at Landlords and employers can look at Landlords and employers can look at Landlords and employers can look at Landlords and employers can look at Landlords and employers can look at Landlords and employers can look at Landlords and employers can look at the ‘public’ information on your the ‘public’ information on your the ‘public’ information on your the ‘public’ information on your the ‘public’ information on your the ‘public’ information on your the ‘public’ information on your the ‘public’ information on your credit report … credit report … credit report … credit report … credit report … credit report … credit report … credit report … Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


Are IVAs Are IVAs Are IVAs Are IVAs Are IVAs Are IVAs Are IVAs Are IVAs Available in Available in Available in Available in Available in Available in Available in Available in Scotland?Scotland?Scotland?Scotland?Scotland?Scotland?Scotland?Scotland?

No. A Protected Trust Deed is the No. A Protected Trust Deed is the No. A Protected Trust Deed is the No. A Protected Trust Deed is the No. A Protected Trust Deed is the No. A Protected Trust Deed is the No. A Protected Trust Deed is the No. A Protected Trust Deed is the equivalent of an IVA in Scotland. equivalent of an IVA in Scotland. equivalent of an IVA in Scotland. equivalent of an IVA in Scotland. equivalent of an IVA in Scotland. equivalent of an IVA in Scotland. equivalent of an IVA in Scotland. equivalent of an IVA in Scotland. Like an IVA, … Like an IVA, … Like an IVA, … Like an IVA, … Like an IVA, … Like an IVA, … Like an IVA, … Like an IVA, … Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


Are there Are there Are there Are there Are there Are there Are there Are there Alternatives to Alternatives to Alternatives to Alternatives to Alternatives to Alternatives to Alternatives to Alternatives to

an IVA?an IVA?an IVA?an IVA?an IVA?an IVA?an IVA?an IVA?

If you are struggling to meet payments, If you are struggling to meet payments, If you are struggling to meet payments, If you are struggling to meet payments, If you are struggling to meet payments, If you are struggling to meet payments, If you are struggling to meet payments, If you are struggling to meet payments, get in touch with your creditors and tell get in touch with your creditors and tell get in touch with your creditors and tell get in touch with your creditors and tell get in touch with your creditors and tell get in touch with your creditors and tell get in touch with your creditors and tell get in touch with your creditors and tell

them … them … them … them … them … them … them … them … Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


What will happen to What will happen to What will happen to What will happen to What will happen to What will happen to What will happen to What will happen to my professional my professional my professional my professional my professional my professional my professional my professional accreditation in an accreditation in an accreditation in an accreditation in an accreditation in an accreditation in an accreditation in an accreditation in an

IVA?IVA?IVA?IVA?IVA?IVA?IVA?IVA?

If you are considering entering into an If you are considering entering into an If you are considering entering into an If you are considering entering into an If you are considering entering into an If you are considering entering into an If you are considering entering into an If you are considering entering into an IVA, then it would be wise to check … IVA, then it would be wise to check … IVA, then it would be wise to check … IVA, then it would be wise to check … IVA, then it would be wise to check … IVA, then it would be wise to check … IVA, then it would be wise to check … IVA, then it would be wise to check …



What happens at What happens at What happens at What happens at What happens at What happens at What happens at What happens at the conclusion of the conclusion of the conclusion of the conclusion of the conclusion of the conclusion of the conclusion of the conclusion of

an IVA?an IVA?an IVA?an IVA?an IVA?an IVA?an IVA?an IVA?

Once an IVA has been completed, Once an IVA has been completed, Once an IVA has been completed, Once an IVA has been completed, Once an IVA has been completed, Once an IVA has been completed, Once an IVA has been completed, Once an IVA has been completed, you will be issued with a statement you will be issued with a statement you will be issued with a statement you will be issued with a statement you will be issued with a statement you will be issued with a statement you will be issued with a statement you will be issued with a statement

… … … … … … … … Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


Can I arrange the IVA Can I arrange the IVA Can I arrange the IVA Can I arrange the IVA Can I arrange the IVA Can I arrange the IVA Can I arrange the IVA Can I arrange the IVA without lots of meetings without lots of meetings without lots of meetings without lots of meetings without lots of meetings without lots of meetings without lots of meetings without lots of meetings and appointments?and appointments?and appointments?and appointments?and appointments?and appointments?and appointments?and appointments?

The majority of the work involved in the The majority of the work involved in the The majority of the work involved in the The majority of the work involved in the The majority of the work involved in the The majority of the work involved in the The majority of the work involved in the The majority of the work involved in the IVA proposal can be done either over the IVA proposal can be done either over the IVA proposal can be done either over the IVA proposal can be done either over the IVA proposal can be done either over the IVA proposal can be done either over the IVA proposal can be done either over the IVA proposal can be done either over the

phone or via … phone or via … phone or via … phone or via … phone or via … phone or via … phone or via … phone or via … Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


How does IVA How does IVA How does IVA How does IVA How does IVA How does IVA How does IVA How does IVA benefits my benefits my benefits my benefits my benefits my benefits my benefits my benefits my creditors?creditors?creditors?creditors?creditors?creditors?creditors?creditors?

Entering into and maintaining payments Entering into and maintaining payments Entering into and maintaining payments Entering into and maintaining payments Entering into and maintaining payments Entering into and maintaining payments Entering into and maintaining payments Entering into and maintaining payments to the IVA will demonstrate to your creditors to the IVA will demonstrate to your creditors to the IVA will demonstrate to your creditors to the IVA will demonstrate to your creditors to the IVA will demonstrate to your creditors to the IVA will demonstrate to your creditors to the IVA will demonstrate to your creditors to the IVA will demonstrate to your creditors

your … your … your … your … your … your … your … your … Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


Implication of Implication of Implication of Implication of Implication of Implication of Implication of Implication of an IVA?an IVA?an IVA?an IVA?an IVA?an IVA?an IVA?an IVA?

We urge all callers considering an IVA We urge all callers considering an IVA We urge all callers considering an IVA We urge all callers considering an IVA We urge all callers considering an IVA We urge all callers considering an IVA We urge all callers considering an IVA We urge all callers considering an IVA to take into account the long term to take into account the long term to take into account the long term to take into account the long term to take into account the long term to take into account the long term to take into account the long term to take into account the long term

implication… implication… implication… implication… implication… implication… implication… implication… Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


What after an What after an What after an What after an What after an What after an What after an What after an IVA?IVA?IVA?IVA?IVA?IVA?IVA?IVA?

Certificate of Completion is issued once Certificate of Completion is issued once Certificate of Completion is issued once Certificate of Completion is issued once Certificate of Completion is issued once Certificate of Completion is issued once Certificate of Completion is issued once Certificate of Completion is issued once the IVA has been successfully completed. the IVA has been successfully completed. the IVA has been successfully completed. the IVA has been successfully completed. the IVA has been successfully completed. the IVA has been successfully completed. the IVA has been successfully completed. the IVA has been successfully completed. This is a signal for … This is a signal for … This is a signal for … This is a signal for … This is a signal for … This is a signal for … This is a signal for … This is a signal for … Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


IVA Help ??IVA Help ??IVA Help ??IVA Help ??IVA Help ??IVA Help ??IVA Help ??IVA Help ??

The advisers at the IVA help unit are The advisers at the IVA help unit are The advisers at the IVA help unit are The advisers at the IVA help unit are The advisers at the IVA help unit are The advisers at the IVA help unit are The advisers at the IVA help unit are The advisers at the IVA help unit are very experienced in the IVA procedure very experienced in the IVA procedure very experienced in the IVA procedure very experienced in the IVA procedure very experienced in the IVA procedure very experienced in the IVA procedure very experienced in the IVA procedure very experienced in the IVA procedure

and will be … and will be … and will be … and will be … and will be … and will be … and will be … and will be … Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


Proposed Changes to Proposed Changes to Proposed Changes to Proposed Changes to Proposed Changes to Proposed Changes to Proposed Changes to Proposed Changes to individual Voluntary individual Voluntary individual Voluntary individual Voluntary individual Voluntary individual Voluntary individual Voluntary individual Voluntary Arrangements?Arrangements?Arrangements?Arrangements?Arrangements?Arrangements?Arrangements?Arrangements?

The Insolvency Service has started a The Insolvency Service has started a The Insolvency Service has started a The Insolvency Service has started a The Insolvency Service has started a The Insolvency Service has started a The Insolvency Service has started a The Insolvency Service has started a consultation process today looking at consultation process today looking at consultation process today looking at consultation process today looking at consultation process today looking at consultation process today looking at consultation process today looking at consultation process today looking at proposals to simplify… proposals to simplify… proposals to simplify… proposals to simplify… proposals to simplify… proposals to simplify… proposals to simplify… proposals to simplify… Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


Where I can Where I can Where I can Where I can Where I can Where I can Where I can Where I can find IVA find IVA find IVA find IVA find IVA find IVA find IVA find IVA Guide?Guide?Guide?Guide?Guide?Guide?Guide?Guide?

Money Advice Direct has put together Money Advice Direct has put together Money Advice Direct has put together Money Advice Direct has put together Money Advice Direct has put together Money Advice Direct has put together Money Advice Direct has put together Money Advice Direct has put together an IVA Guide based on the enquiries an IVA Guide based on the enquiries an IVA Guide based on the enquiries an IVA Guide based on the enquiries an IVA Guide based on the enquiries an IVA Guide based on the enquiries an IVA Guide based on the enquiries an IVA Guide based on the enquiries and questions … and questions … and questions … and questions … and questions … and questions … and questions … and questions … Read More…Read More…Read More…Read More…Read More…Read More…Read More…Read More…


Is there any Sample Is there any Sample Is there any Sample Is there any Sample Is there any Sample Is there any Sample Is there any Sample Is there any Sample IVA proposals for IVA proposals for IVA proposals for IVA proposals for IVA proposals for IVA proposals for IVA proposals for IVA proposals for PAYE worker?PAYE worker?PAYE worker?PAYE worker?PAYE worker?PAYE worker?PAYE worker?PAYE worker?

Here is the documents that make up a Here is the documents that make up a Here is the documents that make up a Here is the documents that make up a Here is the documents that make up a Here is the documents that make up a Here is the documents that make up a Here is the documents that make up a sample IVA Proposal. These will give you sample IVA Proposal. These will give you sample IVA Proposal. These will give you sample IVA Proposal. These will give you sample IVA Proposal. These will give you sample IVA Proposal. These will give you sample IVA Proposal. These will give you sample IVA Proposal. These will give you an indicationan indicationan indicationan indicationan indicationan indicationan indicationan indication … … … … … … … … Click to download…Click to download…Click to download…Click to download…Click to download…Click to download…Click to download…Click to download…


Is there any IVA Is there any IVA Is there any IVA Is there any IVA Is there any IVA Is there any IVA Is there any IVA Is there any IVA creditors guide to creditors guide to creditors guide to creditors guide to creditors guide to creditors guide to creditors guide to creditors guide to

fees ?fees ?fees ?fees ?fees ?fees ?fees ?fees ?

In a voluntary arrangement, as in other types In a voluntary arrangement, as in other types In a voluntary arrangement, as in other types In a voluntary arrangement, as in other types In a voluntary arrangement, as in other types In a voluntary arrangement, as in other types In a voluntary arrangement, as in other types In a voluntary arrangement, as in other types of insolvency, the amount of money available of insolvency, the amount of money available of insolvency, the amount of money available of insolvency, the amount of money available of insolvency, the amount of money available of insolvency, the amount of money available of insolvency, the amount of money available of insolvency, the amount of money available

for creditors … for creditors … for creditors … for creditors … for creditors … for creditors … for creditors … for creditors … Click to download…Click to download…Click to download…Click to download…Click to download…Click to download…Click to download…Click to download…


What aboutWhat aboutWhat aboutWhat aboutWhat aboutWhat aboutWhat aboutWhat aboutterms and terms and terms and terms and terms and terms and terms and terms and conditions?conditions?conditions?conditions?conditions?conditions?conditions?conditions?

This guide explains in depth, theThis guide explains in depth, theThis guide explains in depth, theThis guide explains in depth, theThis guide explains in depth, theThis guide explains in depth, theThis guide explains in depth, theThis guide explains in depth, thestandard conditions set for Individualstandard conditions set for Individualstandard conditions set for Individualstandard conditions set for Individualstandard conditions set for Individualstandard conditions set for Individualstandard conditions set for Individualstandard conditions set for IndividualVoluntary Arrangements including… Voluntary Arrangements including… Voluntary Arrangements including… Voluntary Arrangements including… Voluntary Arrangements including… Voluntary Arrangements including… Voluntary Arrangements including… Voluntary Arrangements including…

Download from here…Download from here…Download from here…Download from here…Download from here…Download from here…Download from here…Download from here…


May I download May I download May I download May I download May I download May I download May I download May I download IVA questionnaire IVA questionnaire IVA questionnaire IVA questionnaire IVA questionnaire IVA questionnaire IVA questionnaire IVA questionnaire

form?form?form?form?form?form?form?form?

If you wish to have more time to collate your If you wish to have more time to collate your If you wish to have more time to collate your If you wish to have more time to collate your If you wish to have more time to collate your If you wish to have more time to collate your If you wish to have more time to collate your If you wish to have more time to collate your financial information, simply download our financial information, simply download our financial information, simply download our financial information, simply download our financial information, simply download our financial information, simply download our financial information, simply download our financial information, simply download our

easy to use… easy to use… easy to use… easy to use… easy to use… easy to use… easy to use… easy to use… Download from here…Download from here…Download from here…Download from here…Download from here…Download from here…Download from here…Download from here…


You May Contact Us atYou May Contact Us atYou May Contact Us atYou May Contact Us atYou May Contact Us atYou May Contact Us atYou May Contact Us atYou May Contact Us atAdministration Centre,Administration Centre,Administration Centre,Administration Centre,Administration Centre,Administration Centre,Administration Centre,Administration Centre,Room 4, Gable House,Room 4, Gable House,Room 4, Gable House,Room 4, Gable House,Room 4, Gable House,Room 4, Gable House,Room 4, Gable House,Room 4, Gable House,239 Regents Park Road,239 Regents Park Road,239 Regents Park Road,239 Regents Park Road,239 Regents Park Road,239 Regents Park Road,239 Regents Park Road,239 Regents Park Road,

London, N3 3LFLondon, N3 3LFLondon, N3 3LFLondon, N3 3LFLondon, N3 3LFLondon, N3 3LFLondon, N3 3LFLondon, N3 3LFPhone Phone Phone Phone Phone Phone Phone Phone -------- 0800 074 69180800 074 69180800 074 69180800 074 69180800 074 69180800 074 69180800 074 69180800 074 6918

Email Email Email Email Email Email Email Email –––––––– info@bankruptcyinfo@bankruptcyinfo@bankruptcyinfo@bankruptcyinfo@bankruptcyinfo@bankruptcyinfo@bankruptcyinfo@bankruptcy--------insolvency.co.ukinsolvency.co.ukinsolvency.co.ukinsolvency.co.ukinsolvency.co.ukinsolvency.co.ukinsolvency.co.ukinsolvency.co.uk

Thanks for the Thanks for the Thanks for the Thanks for the Thanks for the Thanks for the Thanks for the Thanks for the GuidanceGuidanceGuidanceGuidanceGuidanceGuidanceGuidanceGuidance

Email Email Email Email Email Email Email Email –––––––– info@bankruptcyinfo@bankruptcyinfo@bankruptcyinfo@bankruptcyinfo@bankruptcyinfo@bankruptcyinfo@bankruptcyinfo@bankruptcy--------insolvency.co.ukinsolvency.co.ukinsolvency.co.ukinsolvency.co.ukinsolvency.co.ukinsolvency.co.ukinsolvency.co.ukinsolvency.co.ukVisit at: Visit at: Visit at: Visit at: Visit at: Visit at: Visit at: Visit at: http://www.bankruptcyhttp://www.bankruptcyhttp://www.bankruptcyhttp://www.bankruptcyhttp://www.bankruptcyhttp://www.bankruptcyhttp://www.bankruptcyhttp://www.bankruptcy--------insolvency.co.uk/insolvency.co.uk/insolvency.co.uk/insolvency.co.uk/insolvency.co.uk/insolvency.co.uk/insolvency.co.uk/insolvency.co.uk/

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