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IVA - Individual Voluntary Arrangements

IVA Facts

An IVA (individual voluntary arrangement) is a formal agreement to repay all or part of your debt to your creditors at an amount you can afford. This is administered and arranged by a licensed Insolvency Practitioner.

An IVA takes the form of a proposal to from your Insolvency Practitioner to your creditors to pay some or all of the debts over a period of time by selling assets or making payment out of income or a combination of both. Any individual voluntary arrangement proposal must be approved by a licensed insolvency practitioner who will convene a meeting of all your creditors to consider it, however any creditors who do not attend will be deemed to have accepted the terms of the IVA. If the proposal is approved it binds all the debtor’s creditors whether they have voted in favour of it or not.

There are two types of IVA :

A Lump Sum IVA.

This is a one-off lump sum payment.

Standard IVA.

A Standard IVA is over a longer period of time which usually lasts between four and six years. You make one affordable payment each month and it is distributed fairly amongst your creditors. During your Standard IVA, creditors should not contact you or increase your debt by adding any interest or charges.

When the final payment is made, any remaining debt is written off. Once your IVA has run its course, you will be officially discharged from it by your insolvency practitioner. IVA are available or anyone with in the UK that needs debt hep except Scotland. IVAs are not available if you live in Scotland. A protected trust deed is a similar debt solution. A protected trust deed has different benefits and risks associated with it.

IVA Benefits & Risks

You make your affordable monthly payments, usually over five or six years. If there’s equity in your home then you’ll need to try to re-mortgage it to avoid it being sold by your insolvency practitioner (We Clear Debts can put you in touch with lenders that will specialise in this area who can help you remortgage your property)

If you have a lump sum to offer, a Lump Sum IVA can be paid as a one-off ‘full and final’ settlement, or a combination of a lump sum payment followed by monthly payments. Your insolvency practitioner will be able to advise you further on this. If you are unable to re-mortgage for whatever reason, your insolvency practitioner can arrange for you to make a extra payments. I you have a 3rd party that can offer a sum equivalent to the equity in your house that would be the most straight forward way, but we can put you n touch with our network of specialist lenders to avoid having to sell your home.

Once you’ve made your final payment any remaining debt is written off.

Your creditors cannot pursue you for your debts as long as you keep up with payments to your insolvency practitioner. There are very clear and strict rules about this.

If you do own your home, usually you’ll be able to keep your home.

Your IVA will be recorded in the public insolvency register.

Other issues with an IVA

There are other issues with an individual voluntary arrangement you should take into consideration first:

Should the IVA fail, creditors may back date interest on your debts or may request that the Supervisor of your IVA petitions for your bankruptcy. Do not worry though, this has never happened with any IVA arranged through We Clear Debts and we have helped thousands of people.

Once your IVA is set up, obviously your spending will be restricted until the IVA comes to an end.

Should your circumstances change during the term of your IVA, you may ask your IP to approach the creditors to review the terms of the IVA that were originally agreed to. During your IVA you will receive an annual review from your Insolvency Practitioner.

At the end of the IVA, only debts included in the arrangement will be discharged. That is why it is important to include all of your debts in the IVA.

Any debts that can’t be included in your IVA will still be left to pay, for example any money owed under family court proceedings, any court fines or debts arising from fraud, debts incurred after the IVA, or student loans.

We do not charge you for the advice and support we provide before your IVA is set up. There are no fees or set up charges, If you are recommended an IVA, you’ll be referred to a trusted insolvency practitioner who will set up and administer it. You must agree to the level of fees your Insolvency Practitioner may charge for managing your IVA before your it is approved.

IVA Benefits Summary

CLEAR DEBTS

KEEP YOUR HOME

PORTION OF DEBTS WRITTEN OFF

NO CONTACT FROM CREDITORS

BEING DEBT FREE

We hope the information about an IVA helps you decide if you should apply. If you have over £4000 of debt, an IVA could be the best debt solution for you. There is no fees, charges or commitment to speak with us confidentially about your suitability. To find out if it is right for you or if you would like to applt, fill in our online form, call 0161 241 9484 or email [email protected]

We Clear Debts have other articles on this topic you can read them here and here

#clear debts #Debt Advice #debt help #debt solution #Debt Solutions #Individual Voluntary Arrangement #individual voluntary arrangements #IVA #IVAs #write off debt #Debt Help

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Debt Advice

Debt Advice From We Clear Debts

At times when we find ourselves struggling to pay our debts and robbing Peter to pay Paul, we should take stock of our situation and seek Debt Advice from professionals that can provide us with Debt Help

Debt Advice is readily available for those who are serious about addressing their debt. There is no point in pretending it isn’t there because you debt won’t go away, all that will happen is that you will accrue interest and charges that only increase the debt and size of the problem.

Haven given debt advice to thousands of people, we have discovered that typically, the main problem people are facing is that they are relying on Payday Loans and credit cards to pay household bills such as gas electric, rent etc. As the debts mount they end up taking out payday loan to pay the credit card bill previous payday loan and it just gets deeper and deeper, spiralling out of control.

Sound Debt advice is not to fall into that trap and if you start to see the signs, act now, don’t wait till it’s too late and the problem gets too big.

We offer Free, No Obligation and completely confidential debt advice to anyone who needs it. With our Debt Advice service we will advise you of all of your options and what they mean and what the implications of those choices are.

If you have fallen into that situation or have debt issues in general, the best Debt Advice is to get free from debt completely with a Scottish Trust Deed that typically lasts 48 months or IVA* from We Clear Debts. We Clear Debts can help anyone that has £4000 or more in unsecured debt.

With our expert Debt Advice and debt solutions, some of our clients have managed to write off up to 85% of their debt. As well as preventing and lifting Wage Arrestment, we cover the following types of debt:

Personal Loans

Credit Cards

Catalogues

Mobile Phone Bills

Household Utilities

Car Loans (Not attached to the car)

Hire Purchase Shortfalls

HMRC Bills

Council Tax Arrears

Rent Arrears

Overpayments

DWP Bills

Door Step Loans

Payday Loans

CSA Arrears

Solicitors Fees

Civil Fines

Water Rates

Store Cards

PPI Fees

We Clear Debts service is completely free. There are No Fees and there is No Commitment by speaking to an advisor for some impartial debt advice. Our main goal is to set you on the path to being clear of your debt and enjoy a brighter, debt free future.

* The term of your IVA is determined by your insolvency practitioner.

Fill in our form and get the Debt Advice you desreve from one of our Debt Advice agents today

The Money Advice Service has been set up by the government to help people manage their money.

#Debt Advice #Debt Advice service #debt help #Debt Solutions #IVA #Trust Deed #Wage Arrestment #write off debt #Debt Help

New Post has been published on http://www.wecleardebts.co.uk/debt-solutions/

Debt Solutions

When We Need Debt Solutions

Often in life we reach a point at some stage where we find it difficult to manage our finances well and we find ourselves in debt and in need of debt solutions. Sometimes, it’s more debt than we can afford and there is stress proven to be related to having financial difficulties. Quite often, we do cannot see the way to getting ourselves back on an even keel. Every year, people up and down the country find themselves in this position and can’t see a way to becoming debt free ever again. We Cleat Debts can offer Debt Solutions and FREE Debt Advice. There are No Fees and there is No Commitmnet in speaking with us about our debt solutions.

We Clear Debts – Debt Solutions

There are a number of Debt Solutions that can change this and get you on the road to becoming debt free.

Here is a brief overview of some of the debt solutions citizens of Scotland can use to become debt free:

Debt Solutions – Debt Management Scheme

A debt management scheme is an informal agreement to pay your debt to your creditors over a longer period of time. However, there are both pros and cons to this as there is with everything.

Pros of these Debt Solutions

Your creditor will usually agree to freeze interest and charges, but this is at the discretion of your creditor.

Cons of these Debt Solutions

Because the agreement is of an informal nature, you creditors can change the goalposts by way of not wanting to continue accepting your payments you initially were paying. Unusually, as long as your circumstances don’t change, they will continue with the agreement.

There is no type of protection and your creditors can still move to seize your assets, including your home.

Can take a very long time depending on the size and type of debt it is. (We have confirmed reports of people being on these schemes for up to 6 years).

Verdict – Not The Best of Debt Solutions

Debt Solutions – Debt Arrangement Scheme

Introduced by the Scottish government, the DAS was meant to provide people with 2 or more, debt help managing their financial crisis without going to court. As long as you make a single regular payment to and approved distributer. There are currently 3 approved distributors who can set up a DAS for you in Scotland. The DAS must be set up through one of these 3 money advisors and cannot be set up by you yourself.

The money advisor with complete an income and expenditure form with you and section debts in to priority debts and non priority debts. The will then send each of your creditors a copy of your income and expenditure report and negotiate with each of your creditors. If a creditor responds, or not respond to this, then they are deemed to have accepted the proposed terms then the debt payment though DAS is automatically agreed.

Pros of these Debt Solutions

The payment plan is reviewed every 6 months.

DAS allows you to back what you owe your creditors without any pressure.

Charges and interest are frozen.

Protected under the DAS from your creditors taking any further action against you.

At the end of the agreed repayment term, you should be able to have a clean slate.

Cons of these Debt Solutions

There is a monthly management fee charged by approved money advisors for setting up and managing the DAS

Your home is still at risk

Verdict – Not The Best of Debt Solutions

Debt Solutions – Sequestration/Bankruptcy

Sequestration is the Scottish term for bankruptcy and start from the date where in court, you are declared bankrupt by the sheriff or magistrate. This Debt Solutions really should be considered the last resort. You do have to hand over all of your assets and property to a trustee who will try to sell them for the cost of managing the sequestration and to pay back as much as possible of the money you owe to your creditors. You will be required to make a contribution from your salary toward the payments and it will be recorded in the Edinburgh Gazette.

Pros of these Debt Solutions

You can try to make a fresh start after 3 years (although once a sequestration has been recorded, realistically, you will not be offered credit by any of the major lenders)

Cons of these Debt Solutions

Adversely affects your credit rating.

You could lose your home.

If you do not declare any of your debts to the trustee, you can be criminally prosecuted.

You must disclose your bankruptcy to any subsequent attempts to borrow more than £250 or you can face criminal prosecution.

Can continue for more than 3 years

Verdict – The Worst of All Debt Solutions

Debt Solutions – Trust Deed

A trust deed (only available to residents of Scotland) is sometimes referred to as a Scottish Trust Deed and is backed by Scottish government legislation. It is a formal and legally binding agreement in which you transfer part or all of your money and property to a trustee (who must be a registered insolvency practitioner), to manage for the benefit of the creditors. However using Debt Solutions like this are a great alternative to bankruptcy or sequestration.

In a Scottish Trust Deed, a sum from your income will be requested and is a private arrangement between you and your creditors. You must transfer all assets that you would have lost under sequestration (bankruptcy) to your trustee. You must agree to cooperate with the trustee. To become a protected trust deed, certain criteria must be met. It must be advertised in the Edinburgh Gazette (the official record for recording trust deeds, insolvencies, bankruptcies and sequestrations as well as many other things). A trust deed is binding on all creditors. This is one of the better Debt Solutions and is a great way of getting debt free.

Pros of these Debt Solutions

You only pay what you can afford.

Once a trust deed becomes a protected trust deed, your creditors cannot take any further action against you.

Your creditors are bound not to contact you and all contact will be to the trustee.

All charges and interest are frozen.

You only pay what you can afford.

Wage arrestment’s stopped or lifted if current.

Lasts for 48 months.

Anything left at the end of the trust deed is written off.

In some cases, up to 85% of your debts can be written off with a trust deed.

Cons of these Debt Solutions

Any creditor that objects to the trust deed can still pursue your sequestration (although this very rarely happens).

It does have an adverse affect on your credit rating.

Verdict – The Best of All Debt Solutions for Scottish Residents

Debt Solutions 4 – IVA / Individual Voluntary Arrangement

An Individual Voluntary Arrangement (IVA) is an agreement with your creditors to pay all or part of your debts. You will agree to make regular payments to an insolvency practitioner who will administer the IVA. They will divide the money you pay between your creditors.

An IVA can give you more control of your assets than bankruptcy and these Debt Solutions get thousands of people out of debt each year.

How an IVA Works

Your insolvency practitioner works out what you can afford to repay from an income and expenditure analysis and determines how long the IVA lasts. You’ll have to give the insolvency practitioner (IP) details about your financial situation, eg your assets, debts, income and creditors.

The insolvency practitioner will then contact your creditors. The IVA will start if the creditors that hold 75% of your debts agree to it. It will apply to all your creditors, including any who disagreed to it also.

Your Responsibilities in these Debt Solutions

Your IVA can be cancelled by the insolvency practitioner if you don’t keep up your repayments. The insolvency practitioner can make you bankrupt, so keep up your payments and make sure the payment schedule is affordable.

Pros of these Debt Solutions

You only pay what you can afford.

An IVA will stop your creditors taking court action against you for your debts.

You may still be able to keep your business running, if you have one.

Your IVA will be removed from the Individual Insolvency Register 3 months after the IVA ends.

Your creditors are bound not to contact you and all contact will be to the insolvency practitioner.

You will be debt free at the end of your IVA.

In some cases, up to 85% of your debts can be written off.

Cons of these Debt Solutions

Your IVA will be added to the Individual Insolvency Register.

The insolvency practitioner can make you bankrupt, if you fail to keep up payments as agreed in your IVA.

Verdict – the Best of Debt Solutions for English, Wales and Irish Residents

To find more about the debt solutions we offer or how much of your debt you can write off to get a fresh start with a debt free future, contact We Clear Debts today, you can fill in our online form or call 01612419484 or email us at [email protected] and talk to someone about tailoring one of our Debt Solutions for you.

We Clear Debts – Exactly What It Says On The Tin!

#Bankruptcy #Debt Arrangement Scheme #Debt Management Scheme #debt solution #Debt Solutions #Individual Voluntary Arrangement #insolvency #IVA #Sequestration #Trust Deed #Debt Help #Scottish Trust Deed

There are many different methods of Debt Help available to people across the UK. Get your Free Impartial Advice & Debt Help Here. NO Fees, NO Commitment

#write off debt

What Is An IVA An IVA is an abbreviation for Individual Voluntary Agreement. An IVA is between you and your creditors to pay part of or all of your debt

#ivas #iva #individual voluntary agreement #debt help #debt advice #debt solution

Do you owe £4000 or more? Paying more per month that you can afford? Debt help with an IVA can write off up to 80%. No fees, No Commitment just IVA advice

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What is a Scottish Trust Deed

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How can a Scottish Trust Deed help me? A Scottish Trust Deed is a government approved debt solution that see you write off up to 80% of your debt

WeClearDebts's insight:

Contact We Clear Debts to write off up to 80% of your debt, regard;ess of where you are in te UK, we have debt solution for you.

There are NO FEES and NO COMMITMENT to get some good free and impartial debt advice today

Call 0161 241 9484, email [email protected] or visit our website and fill in our online form

We’re always on your side!

See on wecleardebts.co.uk

How to run a household in debt

See on Scoop.it - Debt Solutions

Managing household expenses efficiently is crucial when you are in debt. You also ensure that it does not get out of hand. It is good that you set a monthly budget plan and work accordingly. You should reduce your shopping bills and this can lead to increased savings each month. Never take more debt to get out of debt. Debt counseling services can also aid in helping you plan a budget and increasing income to fix household debt.

WeClearDebts's insight:

If you do have the burden of debt and live in the UK there are flexible debt solutions available that could see you write off up to 80% of your debt.

For Scotland a trust deed is a government backed debt solution and the best way way to pay your creditors and write off a portion of your debt. In Wales, Northern Ireland and England an IVA is avalable for the same purposes.

See on getdebtfreecanada.com

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New Post has been published on http://www.wecleardebts.co.uk/what-is-a-scottish-trust-deed

What is a Scottish Trust Deed

How can a Scottish Trust Deed help me?

A Scottish Trust Deed is a government (Scottish government legislation) approved debt solution that is only available to Scottish residents that have lived in Scotland for the six months preceding any application for a Scottish Trust Deed. A Trust Deed is a voluntary arrangement for you to pay all your unsecured debts in one affordable payment to a trustee / insolvency practitioner (IP) who will deal with you creditors on your behalf. The rights to the things you own are transferred to your trustee to pay your creditors. You will be required to pay monthly payments into your Scottish Trust Deed for a fixed period which usually lasts 48 months and any excess debt left over after you have been discharged from your Scottish trust deed is written off, you can write up to 80% of your debt.

Are there different types of Scottish Trust Deed?

There are two different types of Scottish trust deed. The first is a protected trust deed, which means the majority of your creditors have agreed to its terms or are deemed to have agreed. The Protected Trust Deed prohibits creditors from taking any further action against you or add any interest or charges to your debts. An unprotected or ordinary Scottish trust deed is one which a certain proportion of your creditors have objected to the terms of the deed (We Clear Debts have an astonishing success rate of securing protected trust deeds). In an ordinary Scottish trust deed your creditors may still decide to pursue you for the money you owe and can still take legal action to secure it.

How can I get a Protected Trust Deed?

To obtain a Scottish Trust Deed that is protected, you should first take sound financial advice from experienced money experts like We Clear debts or registered insolvency practitioner that has dealt with trust deeds. We Clear Debts have helped thousands of people in Scotland into a protected trust deed who are now enjoying a debt free life.

How does a Protected Scottish Trust Deed Work?

You cannot specify that your application is for a protected Scottish trust deed. This is a matter for your insolvency practitioner to sort out. Once you have submitted your application for a Scottish Trust Deed and been appointed an insolvency practitioner, they will take account of your cash flow and assets and work out an affordable monthly payment. They will write to all of your creditors notifying them of the Scottish trust deed and advise them that it is to become protected. Your trust deed will become protected unless there are objections from enough of your creditors, although this is very rarely the case.

Any creditors who do not reply to your IP within five weeks are treated as if they have agreed to the terms of the trust deed. Once your Scottish trust deed becomes protected, all of your debts that are in the Scottish Trust Deed will be frozen so that no further interest is added and as long as you stick to the terms of the arrangement, then there should be no problems.

Will I lose my home in a Scottish Trust Deed?

In short, the answer is no. We Clear Debts have alternative strategies that can be put in place should your IP think you should release the equity in your home for the Scottish Trust Deed.

Who’s in Charge of my Trust Deed?

The Accountant in Bankruptcy (AiB) is responsible for all personal insolvency issues in Scotland. The AiB has the power to scrutinise your particular case and stop your trust deed from becoming protected, but don’t worry, this will only happen if there is a good reason, such as your essential outgoings being a lot higher than you need. If the AIB does stop your trust deed from becoming protected, you can appeal. Talk to your insolvency practitioner for advice.

How do I apply for a Scottish Trust Deed?

The first thing you do is fill in the form on our website, call 0161 241 9484 or email [email protected] and one of our partners friendly advisors will contact you to go through the process with you, answering any questions you may have.

There are no fees and there is no commitment by submitting your details and speaking with one of the debt advisors.

We Clear Debts – Exaclty what it says on the tin

#debt #debt solution #Debts #protected Scottish trust deed #protected scottish trust deeds #Protected Trust Deed #protected trust deeds #Scottish Trust Deed #Scottish Trust Deeds #Trust Deed #Trust Deeds #write off debt #write off debts #Debt Solutions

Trust Deed Debt Help | Trust Deeds | We Clear Debts

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What is a Trust Deed A Scottish trust deed offers the residents of Scotland, that are suffering with debt,.a solution that can see them write off up to 80%

WeClearDebts's insight:

Trust Deed Debt Help from We Clear Debts.

Let us write off up to 80% of your debt Today

See on wecleardebts.co.uk

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Trust Deed Debt Help

What is a Trust Deed

A trust deed offers the residents of Scotland, that are suffering with the burden of debt. It is a solution that can see them write off up to 80% of their debt, make payment to their creditors, where they only pay what is affordable and is backed by Scottish Government Legislation and is overseen by the Accountant in Bankruptcy. A Scottish Trust Deed reduces unaffordable payments to various creditors into a single affordable monthly payment to your trustee/insovency practitioner. This is a great way to write off debt.

A trust deed is a formal agreement that is administered by a registered insolvency pracitioner. Your estate is transfered to the control of the insovlency practitioner for the benefits of the creditors to recover as much of the debts as possible and affordable.

This can be a good way for people to deal with debt problems by protecting them from any attempt by the creditor of legal enforcement of debts which are included (All debts should be included in your Trust Deed) in the trust deed, but only once it has become protected.

The insovency practitioner will attemp to make your trust deed a protected trust deed, although this is subject to 75% of your creditors agreeing to this (we have never dealt with an insolvency where the creditors object to a trust deed becoming protected) as at least they will get some of the money due to them, if any of your creditors fail to respond to your IP’s request within 3 weeks, then by law they are deemed to have accepted it.

Anyone wanting to apply for a trust deed must have resided in Scotland for at least the 6 months prior to thier application.

Once in a protected trust deed, your creditors cannot add any further interest or charges to your account, nor can they take any legal action against you to recover your debts.

How Long Does a Trust Deed Last

A trust deed lasts for 48 months and is ended when you recieve your discharge from your insolvency practitioner. Any debt that was included in your trust deed and not paid will be written off completely leaving you debt free.

Who Will Know if I am in a Trust Deed

No one other than those you choose to tell. Although it will be on the insolvency register and ib the Edinburgh Gazzette, which is the official pulic record.

How Do I Apply For a Trut Deed

The first thing to do is fill in our form, call We Clear Debts on 0161 241 9484 or email us [email protected]

We Clear Debts – Exactly what says on the tin!

#debt #debt help #debt solution #Debts #Insovency #Protected Trust Deed #protected trust deeds #Scottish Trust Deed #Scottish Trust Deeds #Trust Deed #trust deed debt solution #Trust Deeds #write off debt #Debt Help

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Debt Help With an IVA

Do you owe £4000 or more? Paying more per month that you can afford? Can’t make ends meet?

Debt help with an IVA can write off up to 80%

If you live in England, Wales or Northern Ireland and owe £4000 or more and are feeling the strain from from your monthly payments, had your wages arrested or are have been visited by bailiffs, contact We Clear Debts and we will find out of an IVA could be the debt solution. With our 100% Free Debt Help service, we will examine you individual situation, explain all of your options and if suitable, we will help guide you into an IVA where you could write off up to as much as 80% of your debt.

What is an IVA

An IVA is an Individual Volentary Agreement is an informal agreement with your creditors to pay your debts with the remailder of debt after the agreed time for IVA, will be written off. An IVA is administered by a registered insolvency practisdiotner or recognised money advisor. You will agree to make regular payments to an insolvency practitioner who will divide the money you pay between your creditors to repay your debts ( for further information, we have another post you may want to read

How Does an IVA work

When you enter into an IVA, you will make affordable monthly payments (only pay what you can afford) towards your overall debt. This is done over a set period of time which is usually 5 or 6 years, although you can make a lump sum payment in settlement. To be approved for an IVA, more than 75% of your creditors who vote, must agree to your IVA proposal (Although We Clear Debts have a tremendous success rate and very rarely do creditors refuse). Once your IVA is approved, you are protected against all forms of legal action from your crditors to recover the debt or dd any fees or interest. Every year, your insovency practitioner will review your finances and you will receive a report on your progress. You are also notified once the IVA is complete.

What debts are covered by an IVA

An IVA will cover alll of the following debts (If the particular debt you have is not listed here, please ask one of our advisors).

Bank and building society loans and overdrafts

Credit cards

Personal loans

Store cards

Catalogues

Charge cards

Mortgage arrears

Rent arrears

Council Tax arrears

Tax debts

Electricity and Gas debts

Secured loans

IVA Example

Mr X from Newcastle owed money to Blackhorse, Provident, HMRC, Council Tax and Capital One. His debts totalling £27,514. Mr X was paying £750 a month and an IVA was arranged for him reducing his monthly outgoing to £110 a month for 60 months paying back only £6600 with £20,914 of his debt being written off.

To find out how much of your debt can you write off and start your journey to a debt free future, contact We Clear Debts today.

Step Change is a charity set up by the government that offers free impartial advice

#debt #debt help #Debt Help IVA #Debt Help With an IVA #debt solution #Debt Solution With an IVA #free debt help #Individual Volentary Agreement #IVA #Debt Help

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Debt is the one thing most people have. Get FREE debt advice and write your Debt off with We Clear Debts. No Fees, just good debt help

#write off your debt #debt #debtfree #credit card debt #debt relief #wecleardebts

Free impartial debt help from We Clear Debts http://wecleardebts.co.uk/debt-help

#debthelp debtsolution debt debtfree

We Clear Debts - Exactly what it says on the tin. We can help reduce your monthly payments to a manageable monthly amount and you could write off up to 80% of your debt. Call 0161 241 9484 and speak to on of our patrners advisors. There is no commitment, no up front fees, just good impartial debt advice specific to your situation. http://www.weclerdebts.co.uk

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