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IVAs Explained
Individual Voluntary Arrangemet
If you have a large amount of unsecured debt & cannot afford to make reasonable repayments an IVA may be for you. You will have to commit to making regular smaller repayments however an IVA is a serious alternative for those struggling with debts. If you can commit to regular repayments & your creditors (lenders) agree to it, they will write off some of your debt. This means that once your IVA ends the debts will be erased. You will need an Insolvency Practitioner to create an IVA Proposal which will show your creditors how much you can realistically afford to pay each month. Those creditors who account for 75% or more of your debt must accept the Proposal for it to be accepted. Once accepted an IVA becomes legally binding and each of your creditors must adhere to it regardless of whether or not they voted in favour of it.
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