www.thedotdots.com

 

I would like to introduce this page dedicated to IVA as in my researching, have found it to be most informative and empathetic to people dealing with debt issues. It is packed out with advice sections, blogs and what is more interactive, the forum where real life issues are debated and advised “live” by others in the same financial strains and indeed professionals that will happily suggest solutions and guidelines free of cost for you to consider. You will also find interactive IVA reviews.

IVA.co.uk IVA.com

iva.co.uk

What is an IVA?

An IVA is an Individual Voluntary Agreement that is made by you (subject to conditions and circumstances) via an Insolvency Practitioner (IP) and is a responsible but just as seriously committed alternative to Bankruptcy (BR) as you make a formal legal agreement at a means tested repayment term to the creditors and is registered with your local court to protect you from hounding creditor pursuits. It is common that upon agreement set-up that a great deal of the debt may be written off and the balance is divided into budget set repayments via your IP for a term normally 60 or 72 months (5 – 6 years). It is an alternative to BR as you are still in an agreement with your creditors but not dealing with them directly. BR is always the last resort, but if you try a Debt Management Program (DMP) leading to IVA, BR has a chance to be avoided. The very best I can suggest right here is that if you have any financial concerns whatsoever, it is not worth risking health and relationships over it… There is help out there and via the forum, you will be hand-led all the way where possible and receive genuine empathetic advice.

Understanding?

One matter I am hot on is the misuse of sympathy; this site uses more the matter of empathy as all on the forum actually share the experience… I feel that there is nothing worse than someone just saying I sympathise…. Oh, hang on, there is worse… those who judge as they are ignorant to the deeper problematic realities that have created the financial issues and then say that they are NOT sympathetic because of the way things have been handled, purely can be ignorance or even discriminatory… I suppose that would be rare, but is always possible somewhere. I believe that if you are in a position to make a comment on anything at all, it should be fairly considered and written before exposing the view… It is not to be judged… that is for a court of law! If you are not sure or not understand something, then it would be fairer to just ask deeper and to understand, then seek a balance of advice or comment… that’s me, anyway!

Goto:

iva.co.uk is a most ethical and holistic approach to trying to deal with financial matters from whatever level large or small; so if you are feeling the pinch of those creditor warnings or threats, log yourself into iva.co.uk or iva.com and take the financial ride of your life…

www.iva.co.uk

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iva.com

IVA.com was created in 2007 to provide honest feedback and information about the IVA industry.  This is achieved through consumer feedback on IVA firms and the services provided by them.  Individuals who have applied to enter into an IVA are encouraged to submit a review of the services provided by their IVA firm.

Together with the online review process, IVA.com is currently developing an online ‘debt library’ which will provide information on all aspects of personal insolvency.  There are also plans to distribute a regular newsletter to individuals who have registered with IVA.com and for Insolvency Practitioners to write topical articles on developments in the market.

Those considering entering into an IVA can identify which of the 300 firms listed on IVA.com are local to them via the site’s ‘map function’.  Clicking onto a map point will lead to that IVA firm’s listing page.  This provides details of the firm’s contact details, which their insolvency practitioners are and any reviews on them that have been submitted to IVA.com.  Alternatively, they can use the IVA Comparison Tool which will enable IVA.com to identify the most suitable IVA firm for them.

Once an individual has chosen a suitable IVA firm that they would like to represent them they can use the IVA.com IVA Calculator to establish which debt solutions would be suitable for them.  This simple process takes around two minutes to complete and graphically compares the debt solutions available to the individual.  A summary of the options available to the individual with timeframes for completion is also given.

The individual can then apply online for an IVA firm to represent them via the IVA.com online application form.  This takes around twenty minutes to complete and provides all of the information needed for an IVA firm to prepare a statement of affairs for an IVA application.  Once an application has been accepted, IVA.com will ask the IVA firm to ensure that the status of the application is updated regularly.  IVA.com will also act as a partner to the individual throughout the IVA application process by answering any questions that they may have and liaising between them and the IVA firm where necessary.

IVA.com submit a review ‘map function’ IVA Calculator online application form

www.iva.com

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