Can I delay my IVA payment?
If you have an unexpected bill or a change to your financial circumstances, you may be able to take a short payment break, as long as your IP and your lenders agree to this.
Comparing IVAs with debt management plans
IVAs and debt management plans are more suited to different people for different reasons. Before you enter into any debt solution, it`s vital that you understand what`s involved.
IVA: questions and answers
Like any debt solution, an IVA has its advantages and disadvantages - and you should be aware of these before you make a decision about whether or not an IVA is right for you.
IVA annual review
People`s circumstances change, and as such you will have a review of your finances each year. If your circumstances haven`t changed at all, you will continue to make the same monthly payment, as previously arranged.
Do I need to be a homeowner to get on a debt management plan?
The right debt solution for you will depend on your immediate and longer-term circumstances. A number of things can affect how suitable each debt solution is for you, such as your income and outgoings, the amount you owe, your ability to repay your debts and your employment and residential status.
IVAs in 2010
A recession is bad news for the country, which means it`s bad news for (many of) the people who live in it. However, it`s a mistake to assume that insolvencies will always go up because there`s a recession.
IVA: what does an Insolvency Practitioner do?
Anyone who enters into an IVA (Individual Voluntary Arrangement) will do so with the assistance of an Insolvency Practitioner, or IP. In short, your IP will help you to make the initial arrangements, as well as carrying out the month-to-month running of the IVA.
Do I need a good credit score to get a debt consolidation loan?
When it comes to borrowing money, your credit score is an important factor in determining the type of deal you are likely to be offered. If your credit history is spotless, you`ll probably have access to the very best deals; if you have struggled in the past, then you may have more difficulty.
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