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Welcome to the IVA Advice site

We will find you free impartial advice on your debt,we do not work for any IVA Companies or are we affiliated to any of them,we will show you the best IVA Companies to deal with and that offer the best deal for you,all we ask is if you find the site useful then please tell your friends about our site or add us to your favourites,there are a lot of sharks out there that target the desperate but we have a lot of experience in this process because we have just finished our IVA,we have also a very good friend who is an experienced debt councillor who will be at hand,remember it is only money and having debt is a burden but it is not worth getting ill over,we will show you below the leading IVA Companies that are on the net which we know first hand how they ply there trade,remember if you would like to offer advice on any IVA Companies that are not shown below then please email us we would love to hear from you.

 

 

 

 

Welcome to the IVA Advice site

An IVA is a legal contract between you and your creditors, it is a legally binding arrangement supervised by a Licensed Insolvency Practitioner , the purpose of which is to enable you to reach a compromise with your creditors and avoid the consequences of bankruptcy.

The IVA enables you to cut your debts to an affordable level and clear them over a fixed period. The compromise should offer a larger repayment towards your debt than could otherwise be expected were you to be made bankrupt. You can even take out a fresh mortgage while in an IVA. What's more, it is a totally private arrangement – nobody needs to know about it apart from you, your advisors and your creditors . An IVA ensures that your home is protected and your job is not at risk.

You make one single manageable monthly payment, based on your budget, for 3-5 years. After that the remaining debt is wiped clean, leaving you completely debt-free. This means that an IVA can write off up to 75% of your debts.

However, under the terms of the agreement you undertake to contribute as much as possible within your budget. So in reality, an IVA presents an opportunity for you to pay whatever as you can in a manageable way – a way you can afford. 
Please see Pros and Cons of an IVA .

What about Consolidating your Debt?

Are you feeling overburdened with debt? Are you paying out too much every month for your credit cards, store cards and loanspound; Then why not replace them all with one, lower, convenient repayment through a consolidation loan?

Consolidation loans can give you a fresh start, allowing you to consolidate all of your loans into one - giving you one easy to manage payment, and in most cases, at a lower rate of interest.

Our service will find the right consolidation loan to suit your needs, quickly and easily. It is free and independent and we will find the most suitable product at the best rates then polar loans are for you


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We are now offering you the chance to leave a feedback score for the IVA Companies shown below,if you could mark for customer service and advice given,all you have to do is give a score via email for customer service (out of 100%)and the advice given by your team(out of 100%)and also tell us about your dealings with the IVA process.

 

IVA Helpdesk
free phone consultation
free initial meeting
  small team,expert specialist advise
  no hidden administration fees
  continue to work with you until complete
  no upfront fees
Debt Free Direct
Free phone consultation
Free phoneback service
  no upfront fees
   
   
   
   
Debts.org
Free phone consultation
Free phoneback service
  no upfront fees
   
   
   
   
customer satisfaction | take you to the site | feedback score