Credit Card IVA


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Credit Card IVA

Credit Card IVA: The Way Out of your Debt (Without More Debt!)

Apply For The IVA or Debt Relief Plan For Your Own Circumstances

Independent Advice. No Bankruptcy. No loss of Dignity.


A credit card IVA is a debt management plan set up by the government to provide a solution to the problem of personal debt and to deal with the growing issue of personal insolvency.

The needs of one household can be vastly different from the needs of another person. Any advice given must thus take into account the uniqueness of the situation people find themselves in.

Generally an Individual Voluntary Arrangement will be set to run for sixty months (sometimes less) and after this has finished all the debts are discharged from a person's credit profile. During this time banks are not allowed to harass or pursue the debtor. The IVA has the benefits of sequestration and none of the disadvantages.

An instrument such as this writes off most of a person's debt at the start of the programme (although be wary of the claims made in some advertising: it is rarely more than 60 or 65% of unsecured debt which may be 'written off' in this way). All good credit card IVA advice of this nature will make sure you get the best results with the lowest monthly repayments together with the highest proportion of debt write-off at the outset.

So complete the application form below for impartial credit card IVA advice which is right for your own personal circumstances.

If you have at least two accounts in debt, and total debts of £2,000 or more, use the form below to see if you qualify. (If you owe less than this, or are on state benefits, then use this link to apply.)



















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Please be aware that figures entered need to be accurate by law, and to give the best service to you. It is extremely important that you budget for all necessary expenditure including rent or mortgage, council tax and utility bills, etc., and any other necessary outgoings related to the upkeep of your household and inrelation to any specific circumstances that may relate to you. This website only collects data on behalf of debt management professionals, from which it will receive affiliate remuneration for data collection only and does not itself engage in any debt management services. Other debt management options are available and may be more suitable. People entering into an IVA or debt management will have this entered on their credit profile and this may affect their ability to get credit in the short term or even in the long term in some cases. It is free to apply from this website; you will be given advice by debt management professionals and a 'cooling off' period, by law, to decide whether or not the debt management plan is suitable for you, and you should be aware that a fee will be chargeable upon a successful arrangement, as with any commercial transaction. Failure to meet the repayments on an IVA or any debt management programme may result in serious consequences, including, but not limited to, bankruptcy. Bankruptcies, CCJs and similar defaults will be entered into a public register and will remain there for a statutory period of not less than six (6) years.

Consumer Credit Licence number 633327.

Credit Card IVA


Most sorts of credit card IVA programme will usually be drawn up to run for sixty months, although sometimes this will vary. At the conclusion of the agreed term the debt is considered to have been paid off in full and the client exonerated. Any debt records which have been registered against the client's name and address will be struck from the credit records as applicable.

A number of disciplines have emerged related to aspects of insolvency, and these include the legal sector as well as more recent professions including consultants. All such experts have their own strengths and weaknesses. Each one will have a different area of specialisation which you should benefit from to your advantage. Making use of a credit card IVA should ensure that the turnaround from insolvency is much quicker and easier.

A credit card IVA will be generally framed by a specialist insolvency practitioner and will be drafted especially to address the specific requirements. There is no average approach to such a process as all situations are different to the next, and some circumstances differ exceedingly. The insolvency practitioner will now draw up the optimum strategy for the applicant's own particular situation and draw up a programme of payments to creditors which is generally five years, although in certain cases this can change.

In order to qualify for a credit card IVA the client must be able to demonstrate a salary or earnings which is above a stated minimum amount and have arrears with a total value of more than a specified sum and not greater than a specified maxima, and such figures may alter from one insolvency company to the next. Usually the income must exceed the calculated repayments after other bills have been met such as the mortgage and utility bills and council tax, etc. The average minimum amount of personal debt is around £2,000 though this can vary. A ceiling of £50,000 is imposed in a few cases, though by going through a broker the applicant will be steered towards the appropriate service to look after their own particular circumstances.

A credit card IVA is a useful legal instrument and most would jump at the chance of taking one out as it is santioned by the law and discharges the holder from the entire debt at the end of the term. It is a much more amiable answer to long-term insolvency than other more draconian instruments like bankruptcy and carries none of bankruptcy's stigma.





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Take a look at the Insolvency Service's leaflet called 'In Debt', downloadable here.


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