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What an individual voluntary arrangement is This advice applies to England Print. The insolvency practitioner deals with your creditors throughout the life of the IVA If you go to a debt management company for an IVA, find out about how much they will charge before you decide. How the repayments work If you decide to get an IVA, you will work out a repayment plan with the insolvency practitioner. If you live in the EU, they could take you to court in the EU.
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Technically, there is no fixed time limit for the duration of an IVA, but in the vast majority of cases your IVA will fall into one of two groups.
Once the IVA has reached the end of the pre-agreed term it will be concluded and any outstanding debt will be written-off. Since the introduction of the IVA protocol in February , there are some occasions where an IVA may have to be extended by a further 12 months, from 5 years to 6 years.
The extension of the IVA would be in lieu of the trapped equity and, once the 12 extra payments had been paid, the IVA would conclude as normal. If you would like to learn more about the contribution based IVA option, click here. For more information on the IVA equity clause, click here. It allows an IVA to begin and immediately conclude with the introduction of a lump sum payment, which creditors agree to accept the payment as a full and final settlement of all the outstanding debts.
Namely, it freezes Interest, stops late payment charges and protects against creditors taking any legal action for the recover of the debts. The IVA concludes after the introduction of the funds, with any remaining unpaid debt being written-off.
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Top links Find your local Citizens Advice Volunteer with us Jobs in our network Press releases Our blogs Read what we're saying about a range of issues. Contact a knowledgeable member of our team today at PayPlan for free, impartial advice. Thanks; you've chosen to get debt help online. Please enter your details below so you can access our secure debt solution tool; PlanFinder, on the next screen.
How long does an IVA last? Why might my IVA be extended above 5 years? Is there a maximum length of time an IVA can last?
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