Individual
Debt Agreement
Individual Voluntary Debt Arrangement
Individual Voluntary Debt Arrangement
Individual Debt Agreement
Best Debt Consolidation (Without More Debt!)
Apply For The Best IVA For Your Own Circumstances
An Individual Debt Agreement is another term for an Individual Voluntary Arrangement, or IVA.
An Individual Debt Agreement can resolve your debt problem completely without getting yourself into more debt with a secured debt consolidation loan. IVAs are managed plans which will write off most of your debt immediately then divide the reminder into chunks to be repaid every month.
An Individual Debt Agreement is is tailor made to your specific needs, and for this reason it's quite rare for any two debt management plans to be the same. The programme is drafted up by a qualified Insolvency Practitioner who will look at your situation in order to arrive at the plan for your own requirements and those of your household.
In order to be eligible for an Individual Debt Agreement your income needs to be greater than your expenditure. By how much this needs to be really depends on the particular debt management plan in question and the company administering it. So you may get a better deal at one company rather than another. But our whole-of-market approach solves that problem as we will match you with the plan for your own situation.
To apply for an Individual Debt Agreement, or to see if you qualify for one, fill in the application form below.
If you have at least two accounts in debt, and total debts of £2,000 or more, use the form below to see if you qualify. (If you owe less than this, or are on state benefits, then use this link to apply instead.)
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Please be aware that figures entered need to be accurate by law, and to give the best service to you. It is extremely important that you budget for all necessary expenditure including rent or mortgage, council tax and utility bills, etc., and any other necessary outgoings related to the upkeep of your household and inrelation to any specific circumstances that may relate to you. This website only collects data on behalf of debt management professionals, from which it will receive affiliate remuneration for data collection only and does not itself engage in any debt management services. Other debt management options are available and may be more suitable. People entering into an IVA or debt management will have this entered on their credit profile and this may affect their ability to get credit in the short term or even in the long term in some cases. It is free to apply from this website; you will be given advice by debt management professionals and a 'cooling off' period, by law, to decide whether or not the debt management plan is suitable for you, and you should be aware that a fee will be chargeable upon a successful arrangement, as with any commercial transaction. Failure to meet the repayments on an IVA or any debt management programme may result in serious consequences, including, but not limited to, bankruptcy. Bankruptcies, CCJs and similar defaults will be entered into a public register and will remain there for a statutory period of not less than six (6) years.
Individual Voluntary Debt Arrangement. Consumer Credit Licence number 633327.
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Take a look at the Insolvency Service's leaflet called 'In Debt', downloadable here.
Individual Debt Arrangement
Voluntary Debt Arrangement
Individual Debt Agreement
Voluntary Debt Agreement
Individual Voluntary Debt Arrangement
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