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
Updated : Sat, 06 Sep 2008 15:02:55 GMT
Downbeat US employment ad retail data adds to economic jitters despite more positive figures from the service sector.
Publ.Date : Thu, 04 Sep 2008 17:25:43 GMT
Gordon Brown confirms the government will not be giving consumers a one-off payment to help with rising fuel bills.
Publ.Date : Thu, 04 Sep 2008 20:02:35 GMT
Environment Secretary Hilary Benn denies ministers "caved in" to energy firms over cash rebates for soaring fuel bills.
Publ.Date : Fri, 05 Sep 2008 13:34:59 GMT
The Abbey is the latest lender to reduce interest rates on its mortgages during the longest period of cuts since the credit crunch began.
Publ.Date : Thu, 04 Sep 2008 12:21:24 GMT
Talks are held in the Indian city of Calcutta to try to end a row over the building of the world's cheapest car, the Tata Nano.
Publ.Date : Fri, 05 Sep 2008 15:12:53 GMT
|
|
