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DEBT MANAGEMENT SERVICE. Since we started these Reports we have been deluged with appeals from people in serious financial trouble and we are pleased to say that we were able to be of help in over 90% of the cases. Through reaching agreements with creditors we were able to reduce outgoings , in some cases by thousands, we stopped some eviction cases from going ahead within days of the date set for the eviction to take effect. It is NEVER TOO LATE to do something about it, email us richreportson@aol.com or use our RESPONSE PAGE on http://www.freewebs.com/richreportson IVA (Individual Voluntary Arrangements) Fast!An IVA (sometimes mistakenly referred to as an Individual Voluntary Agreement) or Individual Voluntary Arrangement will help you clear your debts as:
An IVA is likely to be your best route to becoming debt free if you don't have the equity in your property or a big enough surplus - to consolidate debt using a re-mortgage. If you have assets you want to retain (like your house) an IVA will probably be better than bankruptcy. Be careful if you are thinking about a Debt Management Plan (DMP) to deal with your debt matters. A DMP is usually scheduled to last 10 years (twice as long as a typical IVA) and will not necessarily offer any debt forgiveness or stop creditors chasing you. What is an IVA? How a ClearDebt IVA can help youAn IVA (Individual Voluntary Arrangement) - a legally binding agreement with your creditors that will be overseen and supervised by licensed insolvency practitioners who are also chartered accountants. IVA should be more prominent in your mind if you owe more than £7,500. A ClearDebt IVA will cut the total you owe, freeze the interest you pay and can remove any threat to the home you own. Your creditors will be legally bound, they will never chase you and you'll have one fixed and affordable monthly payment to make. We do not charge you for our advice and assistance. Once your IVA is approved we take our Nominees and Supervisors fees as approved by your creditors, out of your agreed monthly contribution. If you owe less than £7,500 and are in employment, then other, less formal ways than an IVA for dealing with your debt might be better, for example debt consolidation or debt management. Our IVA / Debt SiteOur site is full of debt help / IVA resources to help you understand your situation, cut your household costs and plan a route out of debt. If you owe more than you think you can repay, or you are worried about becoming bankrupt, a ClearDebt IVA could lower your total debts, ensure you pay no more interest and help you become debt-free in five years or less. To see how much less you could be repaying every month, while avoiding bankruptcy, take the free two minute ClearDebt Analyser now. If you feel you are ready to apply for an IVA right now, here is our more detailed questionnaire. If an IVA is the right option for you, ClearDebt offers more than just information. ClearDebt can help you set up an IVA, a legally binding agreement which provides greater security and, usually, much better terms than can usually be achieved with a debt management plan. BankruptcyGoing bankrupt is a big decision. It means you can walk away from all your debts, but you'll lose your house in most cases - and possibly other assets too. It can make getting back on the property ladder problematic - but it is not always the wrong decision. Take a look at our more detailed information on bankruptcy. You may also find it useful to speak to one of the debt counsellors at your citizen's advice bureau or at the Bankruptcy Advisory Service. |  |
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