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Write off 75% debts
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Write off company debt
A CVA can write off 70% of company debts. Find out if you qualify
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IVA Forum Latest 100 topics
What is an IVA?
IVA Pros and Cons
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Starting an IVA
IVA Monthly Payment
What does an IVA do to your Credit Record?
IVA FAQ. Quick Answers.
Creditor Harassment Hotline
IVA Terms and Conditions
Insolvency Act 1986
Helpful PDF debt guides
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FAQ - Detailed
Can anyone enter an IVA?
How long does an IVA last?
How much does an IVA cost?
What happens if I can't make my IVA payments?
What happens if my financial position improves during an IVA?
Which debts can be included in an IVA?
Will my IVA be accepted?
Will my partner / spouse be affected by my IVA?
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Married couple - different debt solutions
Married couple - joint debt solutions
Married couple - single debt solutions
Recently separated - debt solutions
Self-employed - debt solutions
Single person - Bankruptcy/Debt Relief Order
Single person - Debt Management Plan
Single person - IVA
Unemployed - debt solutions
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I can't have a bank account
I can't propose an IVA as I run my own company
I will have to account for every penny I spend
I will have to sell my car(s)
I will lose my house
I will never be able to get a mortgage
I won't be allowed to save any money
I won't have enough money to live properly
My employers are bound to find out
My partner will suffer because of my IVA
See more myths
Stigma associated with IVA and Bankruptcy
Reasons IVA fail
IVA's in Scotland
IVA or Bankruptcy - the key differences
Ability to trade
Credit Rating and IVAs
Ability to gain further credit
How an IVA impacts our home?
Role of an IVA advisor
Role of an IVA chairman
Role of an IVA Supervisor
Role of IVA Nominee
How much does an IVA cost to set up? - IVA fees.
Length of an IVA
IVA Approval Process
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Issues During IVA
Can creditors continue to chase me in an IVA?
Can I cancel my IVA once it's agreed?
Can I settle my IVA early?
How long will my IVA last?
Illness when in an IVA
Increase in outgoings when in an IVA
Increasing salary when in an IVA
IVA's and increasing mortgages
Losing a job when in an IVA
Implications of moving house when in an IVA
Receiving a windfall when in an IVA
Separation / divorce from spouse / partner when in an IVA
Starting a new relationship / marriage when in an IVA
Stopping payments in an IVA
What happens at the end of an IVA?
What impact will my IVA have on my credit file?
What will happen to my pension in an IVA?
Who will find out about my IVA?
Will I ever get credit again?
Will my house be safe in an IVA?
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Possible Debt Solutions
Individual Voluntary Arrangement (IVA)
Full & Final IVA's
Debt Management Plan (DMP)
Debt Relief Order
Contacting your creditors
Talking to your bank
DIY debt solutions
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General Debt Articles
Missing payments on debts
Debt and health issues
Debt collection companies
Living in an Overdraft
Making financial Priorities
On being an ostrich
Reading the small print
Robbing peter to pay paul
Using credit to pay off credit
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Letter 1 - Request to suspend payments and freeze interest for a set period
Letter 2 - Offer of a token payment and request to freeze interest
Letter 3 - Request a write off of the full debt
Letter 4 - Offer of a pro-rata payment
Letter 5 - Offering a lump sum as a full and final settlement of current IVA
Letter 6 - Full and final offer during IVA
See more letter templates
There is no set limit to the write off amount, you will always pay as much as you can afford during the IVA. Some people may pay back most of their debt, others may not be able to.
The minimum monthly amount accepted by creditors is approximately £80 a month, but you may pay more than this if you can afford to.