IVA Helps

About Us

IVAHelps provide free and expert advice to help people to qualify for an IVA. IVA (Individual Voluntary Arrangements) is a debt solutions to help people become debt free in 5 years, reduce monthly repayments and freeze interest on their loans.

How impartial IVA advice can help you deal with your debt situation

The fourth quarter insolvency figures in the UK released a few months ago paint a grim picture. The recession has taken its toll and though the economy is slowly recovering, it has left a deep and sustained impact, especially upon individuals. Let us first study the figures. According to the Insolvency Service, a total of 35,574 people in England and Wales were declared insolvent in the final three months of 2009. A further breakdown of the figures reveals that of those seeking a formal arrangement with their creditors, by far the largest increase came in the number of IVAs (Individual voluntary arrangements), which went up by over 20% to 47,641 for the year. The reason for this is that for many, an IVA is a better option to bankruptcy. An IVA allows a debtor to come to an agreement on a repayment plan with his creditors over a set period of time, which in normal cases is five years. As per the arrangement, the creditors agree to write off part of the debt so that the debtor, according to his current financial situation, makes affordable monthly payments for the fixed period of time. At the end of this period, the remaining debt is written off.With the rise in insolvency figures, it is no surprise that the requests for IVA help, bankruptcy advice, and guidance for debt management plans are also on an all time high. The times are tough and are expected to get tougher still before they start easing up. The rise in inflation and the likelihood of large-scale public sector spending cuts on the horizon are not doing anything to ease the situation either. So in the face of this, if your debt problems are spiralling, you should aim to get proper debt management or IVA help to take control of the situation. It is important that you act while there is still time and put together a viable debt solution plan. As the first step in this direction, seek debt advice from experts who not only have the right experience and expertise but also the impartiality to help you choose the right solution. At a time like this, the last thing you need is an inappropriate solution that instead of helping you out, results in a lucrative commission for the advisor.Consider an IVA (Individual Voluntary Arrangement) as an example. If you have serious debt to the tune of £15,000 or more and are struggling to pay it, an IVA may be a best way out. It is definitely a better option than bankruptcy, especially if your current financial situation allows you a disposable income of £200 to make one monthly payment on regular basis. You can seek IVA help to understand if this debt solution is the best for you.Remember, only a truly independent and experienced professional can give you impartial advice and guide you in finding the best IVA provider for you and your specific circumstances. Talk to us and we will study your financial circumstances and recommend if an IVA help is what you need to set your finances in order.

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