Credit Card Debt Consolidation

 

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No Bankruptcy. No loss of Dignity

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Best Debt Consolidation IVA

 


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Credit Card Debt Consolidation

Credit Card Debt Consolidation: The Way Out of your Debt (Without More Debt!)

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

Independent Advice. No Bankruptcy. No loss of Dignity.

 


An IVA (Individual Voluntary Arrangement) is a form of debt relief program set up by the government to provide a solution to the growing problem of credit card debt consolidation within the larger issue of individual insolvency.

The needs of one person can be vastly different from the needs of another. Any credit card debt consolidation advice given must take into account the distinctiveness of the situation in which people live.

Normally an IVA will be set to run for 60 months (sometimes less) and when this is over all the debt is discharged from a person's record. During all this time no banks are permitted to pursue or harass the debtor, though this cannot be completely guaranteed. The IVA has the benefits of bankruptcy and none of the drawbacks.

An IVA will write off the larger part of your debt at the beginning of the programme. Any decent credit card debt consolidation advice will ensure that you get the best results with the lowest monthly repayments together with the highest percentage of debt write-off at the outset.

So complete the application form for impartial and independent debt consolidation advice 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.



Credit Card Debt Consolidation

 

Credit card debt consolidation will generally be dealt with by a qualified specialist insolvency practitioner and will be drafted specifically to cover the specific requirements of the client. There is no typical attitude to these matters because every state of affairs differs, and some are extraordinarily different. The selected insolvency practitioner will now prepare the most advantageous proposal for the client's own individual situation and draw up a programme of repayments typically for sixty months, although in certain situations this may be made to differ.

A great benefit of an agreement of this kind is that it may immediately reduce your debt burden by a considerable percentage. This reduction of debt makes a considerable difference and is one of the things that distinguishes an IVA from a regular debt management plan. Therefore folk seeking help for debt relief should apply for that over a standard debt relief programme every time.

Our economy is a very complicated entity. Expert economists and scientists of all types try to comprehend how the whole thing operates as a matter of professional curiosity. It resembles a massive machine. It is a matter of contention whether day to day economics impinges on social and political imperatives and these are mainly governed by the society that we live in. Our community at present is aligned towards success ensuring often means exposure to risk. For as long as we have this danger we also have the ghastly prospect of debt, both personal and corporate. Using a credit card debt consolidation instrument such as an IVA is designed to offset this risk somewhat.

Credit card debt consolidation is a highly useful legal instrument and many people would jump at the chance of entering into one because it is sanctioned by the law and releases the holder from all debts at end of term. This is a much more benign answer to long-term debt than other harsher measures such as making the debtor bankrupt and has none of bankruptcy's stigma.

 

 


 

 

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

 

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