IVA Advantages
If you qualify for an IVA then it is often the best way of becoming debt free. For free advice on how an IVA can help you with your debts, call 0808 131 9112.
- An IVA will write off debts that you cannot afford.
- Interest or charges frozen.
- One low affordable monthly payment to make.
- Only pay back part of your debt.
- After 60 months you will be debt free.
- You will not have to sell any major assets, such as your home.
- It is legally binding so once the proposal has been agreed your creditors cannot back out.
- No risk to your professional status.
Entering into an IVA may adversely affect your
credit rating for up to six years from the date of approval.
Your property will be protected within an
IVA but you may be required to release all or part of any equity during the
period of the arrangement.
Failure to complete the term of an IVA can
result in bankruptcy.
(In Scotland, a PTD is the equivalent to an IVA.)