Debt Consolidation Information


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Debt Consolidation Information

Debt Consolidation Information: The Way Out of your Debt Without More Debt!

Apply For The IVA or Debt Relief Plan For Your Own Circumstances

Independent Free Advice. No Bankruptcy. No loss of Dignity.

An IVA (Individual Voluntary Arrangement) is a form of debt management programme set up by H M Government to try to eliminate personal debt and deal with the growing issue of individual insolvency. The needs of one person can vary greatly from the needs of the next. Any debt consildation information and advice given must thus reflect the unique nature of the situation in which people find themselves.

Generally an IVA will run for 60 months and after the term has finished all the debts are discharged from a person's credit history. During this time no banks are allowed to harass or pursue the debtor, though this cannot be guaranteed. The IVA has all the benefits of sequestration while having none of the drawbacks.

An IVA writes off the bulk of a person's debt at the beginning of the plan (although beware of the exaggerated claims made in some advertising and with some misleading debt consolidation information: it is seldom much more than 60 or 65% of total debt which can be 'written off'). Any good IVA advice of this sort will ensure you get optimum results with the lowest monthly repayment options together with the greatest percentage of debt write-off.

So complete the application form for independent and impartial debt consolidation information and advice which is right for your own situation.

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.)



















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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.

Consumer Credit Licence number 633327.

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Debt consolidation information will in general be sought by a qualified specialist insolvency practitioner and the resulting IVA or similar plan will be made specifically to address the specific requirements of the client. There is no such thing as a one-size-fits-all approach to these processes because all situations are different to the next, while some circumstances are exceptionally different. The insolvency practitioner will draw up the most advantageous blueprint for the client's individual situation and ratify a schedule of payments to a central fund which is typically over sixty months, though in some circumstances this may be varied.

Most sorts of debt consolidation information will usually be drafted to last over a period of 5 years, but often this will vary in each case. At the end of the agreed term the debt is said to have been paid off in full and the client exonerated. Any records of the debts which have hitherto been registered corresponding to the client's name and address will be cleared from the record by authority of the law.

A number of disciplines have grown up surrounding various aspects of failure, and these encompass the legal sector and more recent professions including IP consultants. Such experts have their part to play. Each one will have their own area of specialisation which you should make use of to your best advantage. Making use of debt consolidation information should ensure your recovery is much quicker and easier.

In order to be eligible for an IVA or similar plan as a result of debt consolidation information, the client must have a net income in excess of a certain minimum and have debts of more than a certain amount and not more than a specified maxima, and these values may alter from one insolvency company to another. Normally the income should exceed the calculated repayments after other necessary bills have been discharged including the mortgage and council tax and utility bills. The average minimal debt is around 2,000 although this figure can vary. A maximum of 50,000 is sometimes imposed, though by going through a third party the client may be shown best source to handle their own circumstances.

All governments attempt to do their best to give some help to people who suffer from debt in various ways. There are schemes like CVAs and IVAs to facilitate the methods of both personal and corporate debt recovery and to try to soothe what is recognised as being a difficult time, and debt consolidation information is part of this. The outcome is intended to be toward safeguarding personal resources if at all possible and in safeguarding the wealth of individuals by legal means. This embraces both private property and the security of businesses on which individual security depends.





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Take a look at the Insolvency Service's leaflet called 'In Debt', downloadable here.


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