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Individual Voluntary Arrangements (IVA’s)
Should a Debt Management Plan or Bankruptcy not be suitable, there is another solution; an IVA can be a realistic alternative as it allows you to become debt free relatively quickly (within five years in the majority of cases).
"An Individual Voluntary Arrangement or IVA is a legally binding agreement between the debtor (someone who is in debt) and the creditors who are owed money (such as credit card companies, banks, store cards etc)"
In order to put together the proposals for an IVA you will require the services of a licensed Insolvency Practitioner who will advise on the best course of action and assist with the entire process.
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