No, you do not have to wait. Some things will take the ordaibed 6 years from the start, but you can make sure those ducks are ready in a row. Checkinf default dates and getting them corrected if need be --- have a read here: https://www.iva.co.uk/what-does-an-iva- ... dit-record and also tjhe last few entries on my blog ( link in my signature block ).
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk