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Unmanageable Debt? |
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0121 270 7361 07970 828 369 Free initial consultation |
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Heavily in debt? Cannot afford to pay your lenders? >>>>> Write off up to 75% of your debt |
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IVA Help and Advice |
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IVA (Individual Voluntary Arrangement) An IVA is an alternative to bankruptcy that could help with unmanageable debts. If you have a lot of debt that you simply can't afford to repay, an IVA could be just the help you need. An IVA is an agreement with your creditors to pay all or part of your debts. You agree to make regular payments to an ‘insolvency practitioner’, who will divide this money between your creditors. Up to 75% of your debts could be written off. An IVA allows you to offer your creditors what you can afford. Your living costs are taken into account and you then offer whatever is left to pay your debts. Immediately on setup your monthly debt payments will be lower as lenders accept reduced payments. Using an IVA: · You make affordable monthly payments that fit around your budget · You only repay what you can realistically afford · You will be debt free in 5 years and your job will be unaffected · Your home won't be at risk of being sold - unlike with a bankruptcy So if you have debts of more than £15,000 to at least two different lenders and you find the monthly payments difficult to pay, an IVA could be for you. For further details call us for a free consultation. |
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Tel: 0121 270 7361 Cell: 07970 828 369 116 Oscott School Lane Old Oscott Birmingham B44 9EN |
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For a free confidential assessment please call James & Co, Chartered Certified Accountants James & Co is the trading name of James & Co Consultants Ltd, a company registered in England No. 6025569. Arrangements with Specialist Consultants in Bankruptcy and Insolvency |
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Avoid bankruptcy Keep your home Your job is unaffected Affordable payments Debt free in 5 years |