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IVA Test

IVA Test: The Way Out of your Debt (Without More Debt!)

Apply For The IVA or Debt Relief Plan For Your Own Circumstances

Independent Free Advice. Do You Qualify? Take The IVA Test for Free Today.

An IVA is a debt management plan set up by government to try to eliminate personal debt and deal generally with the issue of personal insolvency. Our clients are licenced to give advice on the understanding of the fact that IVAs are never one-size-fits-all fixes to any debt problem, as individual circumstances can vary so much.

Not everybody is eligible for an IVA, so we have an IVA test below to see if you qualify. Just fill in the online application form for a free quote. However, you should have at least two debt accounts (i.e. credit card or loan, etc.) and total unsecured debt of at least £2,000.

The needs of one person can be very different from the needs of another person or household. Any advice given as a result of your IVA test must reflect the distinctiveness of the situation in which people live.

Normally an IVA will run for sixty months and when the term is over all debt is discharged from a person's credit profile.

An instrument such as this will write off most of a person's debt at the beginning of the programme (although be wary of the exaggerated claims made in some advertising: it is seldom more than 60 or 65% of total unsecured debt which can be cancelled). All good IVA advice of this sort will make sure you get optimum results with the lowest repayments together with the highest proportion of debt written off at the outset.

So complete the IVA test application form below for impartial and independent advice which is right for your own circumstances.

If you have at least two accounts in debt, and total debts of £2,000 or more, use the form below to see if you qualify. (If you owe less than this, or are on state benefits, then use this link to apply.)


















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Please be aware that figures entered need to be accurate by law, and to give the best service to you. It is extremely important that you budget for all necessary expenditure including rent or mortgage, council tax and utility bills, etc., and any other necessary outgoings related to the upkeep of your household and inrelation to any specific circumstances that may relate to you. This website only collects data on behalf of debt management professionals, from which it will receive affiliate remuneration for data collection only and does not itself engage in any debt management services. Other debt management options are available and may be more suitable. People entering into an IVA or debt management will have this entered on their credit profile and this may affect their ability to get credit in the short term or even in the long term in some cases. It is free to apply from this website; you will be given advice by debt management professionals and a 'cooling off' period, by law, to decide whether or not the debt management plan is suitable for you, and you should be aware that a fee will be chargeable upon a successful arrangement, as with any commercial transaction. Failure to meet the repayments on an IVA or any debt management programme may result in serious consequences, including, but not limited to, bankruptcy. Bankruptcies, CCJs and similar defaults will be entered into a public register and will remain there for a statutory period of not less than six (6) years.

Consumer Credit Licence number 633327.

IVA Test


An IVA will generally be framed by a qualified specialist insolvency practitioner and will be drafted specifically to match the specific requirements. There is no average method to this because each situation is different to the one before, while some situations are vastly different. The insolvency practitioner will prepare the best proposal in accordance with the client's own particular situation and set up a programme of repayments which is typically 60 months, although in some situations this may be made to differ.

Not everyone will qualify for an IVA. There are thresholds of income and the number of creditors, and also the ratio of debt to available monthly surplus. Some people talk of this barrier to qualification as a kind of IVA test. Because each plan differs from case to case it is not possible to give a hard and fast definition of who will qualify for an IVA and who will not. The best thing is to just apply and see what happens. By using our whole-of-market service we can guarantee the best deal for your own particular circumstances.

A great benefit of an arrangement of this sort is that it may instantly reduce your debt by a fair percentage. This great cut in the amount of debt makes a substantial difference and is the main thing which differentiates this from a conventional management plan. So anyone looking for such a programme should apply for this rather than a standard debt relief program.

A number of disciplines have developed related to the area of insolvent cases, and these encompass the law as well as newer professions including such diverse types as IP consultants. Such experts have their part to play. Each one will have their own area of knowledge and expertise which you should benefit from as appropriate. Making using a IVA test should ensure that the turnaround from insolvency is much more quick.

An IVA test is a useful legal measure and most people would jump at the chance of getting one because it is sanctioned by law and discharges the client from the entirety of his or her debt at the end of the term. This is a more gentle response to long-term debt than other more draconian instruments like bankruptcy.

Most kinds of IVA will be drafted to last for sixty months, although all too often this will vary in each case. When this completes the debt is said to have been paid off and the client cleared of all debt records. All debt records registered corresponding to the applicant's name and address must be struck from the records accordingly.





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Take a look at the Insolvency Service's leaflet called 'In Debt', downloadable here.


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