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An individual voluntary arrangement (IVA) is an alternative option to bankruptcy for individuals where debts have become unmanageable. Unlike informal debt management plans an IVA is a legally binding agreement between you and your unsecured creditors.
An IVA can be a preferred option for many people as it allows breathing space from creditors and repayments are assessed on what you can realistically afford to repay. When entering an IVA your creditors agree to freeze any interest and charges by accepting a fixed monthly payment usually over the course of five years.
Our insolvency lawyers can advise if an individual voluntary arrangement is right for you and can support you through the process from start to finish. For advice call our legal specialists on 01616 966 229 or complete our online enquiry form and a member of the team will contact you directly.
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