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debt advice line® what is an iva get the facts & apply today debt adviceline making debt easy mondays to fridays 9.00am - 9.00pm saturdays 9.00am - 3.00pm online 24/7 call us want to consolidated all your debts in to one affordable payment, with protection from your creditors & have debts written off? an iva could be the answer! apply now we keep things simple free debt advice & setup no upfront, setup or hidden fees our promise: get you debt free in the quickest time possible make sure you only pay what you can afford have debt written off, if you qualify stop the pressuring calls & letters lets get started we do not charge for our service debt adviceline individual voluntary arrangement debtadviceline provides various options to help you deal with debt problems. these include bankruptcy, debt management plans, scottish trust deed and individual voluntary arrangements (ivas) . we don't judge people, we just provide the support, guidance and solutions that are needed to deal with debt. what is an iva what is an iva and who can apply for one how an iva works a breakdown of an iva and the process debts you can include unsecured debts you can add to an iva pro's and cons of an iva know how an iva can benefit you and things to consider what is an iva & who can apply "every organisation, whether they're a charity or a commercial business has to adhere to the same legislation and rules when drafting an iva proposal." an individual voluntary arrangement (iva) was first introduced by the government in 1986 to help people struggling to pay back their unsecured debt. it is a legal agreement between you and your creditors to pay back what you can afford, with the remaining debt written off at the end of the agreement and normally only lasts for 60 months normally an applicant or joint applicants should owe at least £6000 of unsecured debt between two or more creditors to apply for an iva. currently in the uk you cannot setup or do an iva without the assistance of a licensed insolvency practitioner (ip) you will be surprised at the number of people who are doing an iva, in fact the number of people taking out an iva has been growing year on year over the last few years. some of the main reasons for the growing numbers, is an iva actually gives what people are looking for; protection against creditors, becoming debt free in a set time, having their debt legally written off... but most importantly having a affordable monthly payment without creditor hassle. read more key features ____________________ affordable monthly payment, debts written off, debt free in a set time the process & how an iva could work for you when your iva has been approved, all interest is immediately frozen, all charges and late payment fees are stopped and creditors can no longer contact you regarding your debts. you are now legally protected by the iva and your creditors forfeit any right to take legal action against you, ensuring your home and any other assets are safe. step one together, we will establish whether an iva is your best option. we will do this by taking the time to fully understand your situation. we will discuss all the options you have available to you, to determine whether an iva is is the best option. step two if you wish to apply for an iva we will start the iva process by collecting the relevant information related to your case & the ip (insolvency practitioner) will prepare your proposal. step three your creditors meeting will be arranged, during which your creditors will cast their vote as to whether they agree to accept your iva proposal. once the required majority agree to accept your iva proposal, the iva is considered approved. once you have successfully completed your iva, all outstanding balances left unpaid by your iva payments will be legally written-off leaving you debt free. read more key features ____________________ no upfront, setup or hidden fees total unsecured debt £14,300 between 6 creditors debt repayments totalling £476 per month qualified for an iva & the new repayment is only £90 per month the total debt paid back over the 60 months is only £5,400 with the iva over 60% debt written off & monthly payment reduced by over 70% iva example. your iva will vary based on your circumstances get started now some of the major creditors an iva can deal with unsecured debts you could add overdrafts, credit cards, store cards, charge cards, catalogues, pay day loans, unsecured loans, doorstep loans, credit unions unsecured debts that have a ccj or attachment of earnings in place. arrears from utility supplies from previous properties, previous suppliers e.g. gas, electricity, water council tax (previous years and current year if in arrears) debts that were previously secured against an asset that has been repossessed – shortfalls on vehicle hp and properties. hm revenue and customs vat, paye, self assessed tax, national insurance. arrears from service providers from previous properties, previous suppliers e.g. digital tv, mobile phones, landline start your plan now key features ____________________ can help with most, if not all unsecured lenders the benefits of an iva & things to consider telephone calls and payment demands stopped once the iva is agreed, your creditors by law are no longer allowed to demand payments from you either by telephone or letter. interest and late payment charges frozen after the iva has been put in place, your creditors cannot add further charges or interest to any of your accounts covered by the agreement by law. single monthly payment at the beginning of the arrangement, you agree with your creditors what you can afford to pay each month. in some cases, you can pay a one-off lump sum. protection for your home homeowners would not be forced to sell their home during an iva process, but may have to release some money through a remortgage towards the end of the iva, if that is possible. protection for certain assets it is possible to keep certain assets in an iva such as a car that is needed for commuting to work. it is also possible to negotiate with creditors to keep other assets if extra iva payments are made, but it would be up to creditors to agree to this. repaired credit rating once you have successfully completed your arrangement, you will be allowed to borrow money and your credit rating will start to improve. you will not be credit blacklisted for life. payback many people are keen to avoid bankruptcy and pay back us much as they can reasonably afford on what they have borrowed. in a bankruptcy creditors would in many cases see little or no payback at all, but an iva will allow a better return for creditors and show that the debtor has paid back as much as they could. fixed, legally binding agreement once agreed, the iva is legally binding (see glossary) on all the creditors. you will know exactly where you stand and exactly how long it will be before you are debt free. flexible even though the iva is a fixed agreement, a lot can change in 5 years. the iva allows variations when situations change, provided these can be proved and agreed with creditors. protection from court action once an iva is in place, your creditors are not allowed to take further legal action against you as long as you stick to the terms of the arrangement. professional status some jobs do not allow the employee to become bankrupt; whereas an iva can be acceptable. debtors cannot be company directors whilst bankrupt, so the iva can be preferable for them. it is important to check the terms and conditions of employment to be sure of this. debt free in 5 years an iva will last for a fixed period of time, normally no longer than 5 years. minimum level of debt usually you will only be able to undertake an iva if your total unsecured debt is more than £6,000. in addition, you will usually need to be able to afford a monthly payment of at least £80. credit rating your credit rating will be effected and you will be u

URL analysis for debtadviceline.org.uk

https://www.debtadviceline.org.uk/#unsecured-debts
https://www.debtadviceline.org.uk/#what-is-an-iva
https://www.debtadviceline.org.uk/#how-an-iva-works
https://www.debtadviceline.org.uk/iva-form-2
https://www.debtadviceline.org.uk/#pro-cons
https://www.debtadviceline.org.uk/privacy
https://www.debtadviceline.org.uk/complaints
https://www.debtadviceline.org.uk/fees

Whois Information

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Domain name:
debtadviceline.org.uk

Data validation:
The registrar is responsible for having checked these contact details

Registrar:
Fasthosts Internet Ltd [Tag = LIVEDOMAINS]
URL: http://www.fasthosts.co.uk

Relevant dates:
Registered on: 21-Feb-2011
Expiry date: 21-Feb-2019
Last updated: 01-Mar-2017

Registration status:
Registered until expiry date.

Name servers:
ns55.domaincontrol.com
ns56.domaincontrol.com

WHOIS lookup made at 20:11:49 06-Sep-2018

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  REFERRER http://www.nominet.org.uk

  REGISTRAR Nominet UK

SERVERS

  SERVER uk.whois-servers.net

  ARGS debtadviceline.org.uk

  PORT 43

  TYPE domain

DOMAIN

SPONSOR
Fasthosts Internet Ltd [Tag = LIVEDOMAINS]
URL: http://www.fasthosts.co.uk
Relevant dates:

  CREATED 21-Feb-2011

  CHANGED 01-Mar-2017

STATUS
Registered until expiry date.

NSERVER

  NS55.DOMAINCONTROL.COM 216.69.185.28

  NS56.DOMAINCONTROL.COM 173.201.75.28

  NAME debtadviceline.org.uk

DISCLAIMER
This WHOIS information is provided for free by Nominet UK the central registry
for .uk domain names. This information and the .uk WHOIS are:
Copyright Nominet UK 1996 - 2018.
You may not access the .uk WHOIS or use any data from it except as permitted
by the terms of use available in full at https://www.nominet.uk/whoisterms,
which includes restrictions on: (A) use of the data for advertising, or its
repackaging, recompilation, redistribution or reuse (B) obscuring, removing
or hiding any or all of this notice and (C) exceeding query rate or volume
limits. The data is provided on an 'as-is' basis and may lag behind the
register. Access may be withdrawn or restricted at any time.

  REGISTERED no

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