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Debt Consolidation Plans

Debt Consolidation Plans: 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.

An IVA is one of a series of different type of debt consolidation plans set up by the government to provide a solution to the problem of personal debt and deal generally with the issue of individual insolvency.

The needs of one person can be vastly different from the needs of another person. Any debt consolidation plans and the advice given must reflect the distinctiveness of the situation people find themselves in.

Generally an IVA will run for 60 months and when this is complete all the debt is cleared from the credit history.

An instrument such as an IVA will write off the larger part of a person's debt at the beginning of the plan (although be wary of the exaggerated claims made in some circles: it is seldom more than 60 or 65% of unsecured debt which can be cancelled). Any good IVA advice of this nature will ensure you get optimum results with the lowest repayments together with the highest proportion of debt written off. Other debt consolidation plans do not make provision for writing off this bulk debt, and this is the way in which most people regard IVAs as differing from most other types of debt consolidation plans and programmes.

So fill in the application form below for impartial debt consolidation advice which is right for your own 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.

Debt Consolidation Plans


A number of disciplines have evolved related to the area of failure, and these encompass the law as well as more recent professions like IP consultants. Such experts have their own strengths. Each one will have their own area of expertise which you should use as appropriate. Making use of debt consolidation plans should make your recovery much quicker and easier.

One great benefit of an arrangement of this kind is that it may immediately reduce your debt by a huge proportion. Normally this can be as high as 60 per cent, often more than that. This great reduction in the amount of debt makes a substantial difference and is the chief thing that differentiates this from a normal management programme. So anyone seeking help for debt relief should apply for that rather than a standard debt relief program every time.

Debt consolidation plans will be generally drafted by a specialist insolvency practitioner and shall be made especially to match the specific requirements of the client. There is no one-size-fits-all attitude to such things as every state of affairs differs, and some are considerably different. The selected insolvency practitioner will now prepare the optimum blueprint according to the applicant's own situation and ratify a programme of repayments which is generally for 60 months, although in certain cases this may change.

In order to qualify for the better type of debt consolidation plans such as an IVA the applicant must be able to show a nett income which is above a threshold amount and have liabilities of not less than a certain amount and not more than a specified maxima, and such values will change from one insolvency company to another. Normally the income must cover the repayments after other necessary outgoings have been met including mortgage payments and council tax. The usual minimal amount of debt is around 2,000 though this can vary. A ceiling of 50,000 is sometimes stated, although by using a broker the applicant may be alerted to appropriate source of help to handle their own individual situation.

Most kinds of debt consolidation plans will normally be drafted to serve over a period of 5 years, although often this will vary. At the end of this period the debt is considered to be discharged and the client discharged. Any records of the debts registered corresponding to the applicant's name will be struck from the records accordingly.

Our economy is a highly complex thing. Expert economists and scientists of many descriptions want to comprehend how it operates on an ongoing basis. It is like a big machine. Inevitably economic policy impinges on political imperatives and such things are largely governed by the society in which we live. This culture is aligned towards the need to succeed so generally means exposure to risk. For as long as we have this aspect of risk we also have to live with the ghastly prospect of financial ruin, both individual and corporate. Use of debt consolidation plans is meant to offset this risk somewhat.





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


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