Tuesday, 16 October 2018

The truth you should know about the iva

A must know about the iva
The iva is both formal as well as legal to be used by all debtors. It is a legally binding debt management solution that has saved many debtors out of their debt related predicament. This debt solution is designed to save debtors from insolvency. While it is mostly handled by insolvency lawyers and advisers, it is completely different from insolvency. The good thing with this debt management solution is that it is entered voluntarily. Therefore, you will not be forced into it when you are still comfortable with repayment of your debt monthly.  The advisors can only suggest it to you when you consult them for help.
The individual voluntary arrangement
It is important that you take some time to read up more about individual voluntary arrangement before going for it. Learn more about the terms in it to know whether or not it is going to be the best solution you need. Planning for debt repayment usually, get easier and better when one is not disturbed from creditors. That is why this concept is being introduced. But, there are some criteria that will determine your eligibility. Some of these criteria include:
•    Your total debt amount must be £5000 or above
•    Must be a resident of the United Kingdom
•    Your total debts must be from two or more creditors
•    You have a confirmed regular income that is not less than £800
•    You must also be ready to make monthly repayment of about £70, but dependent on your circumstance.
The debt solution made to lower your monthly repayments
There is nothing as crippling to finances as much monthly repayment to a debt more than the actual monthly income. Even if up to 85% of your monthly income is used for repayment of debt is dangerous to your overall finances. Your business will really suffer a setback when all the money you made monthly is used to settle debts.  These are what made iva the best solution you should always be looking up to. With this solution, you are sure of accepting the monthly repayment amount that is convenient and easily affordable to you. Click here to know more about #How much does an IVA cost?

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