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How Do Individual Voluntary Arrangements Work?
How does an IVA actually work? How do I apply for one? Can it get me out of debt?

Pros And Cons Of IVAs (Individual Voluntary Arrangements)
What are the pros and cons to an IVA (Individual Voluntary Arrangement)? Read our extensive guide before you enter into an IVA and understand fully th

Will An IVA Affect My Credit Rating? - IVAWizard.net
Entering into an IVA (Individual Voluntary Arrangement) can have an impact on our credit rating, both in a positive and negative way.

FAQ's For Individual Voluntary Arrangements
Individual Voluntary Arrangements FAQ's. Answers to the most frequently asked questions...

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Contact Us at IVAWizard.net for impartial advice on the Scottish Bankruptcy. See how we can help you get out of debt for good!

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The first budget by new Chancellor George Osborne is set to heap more misery on the UK?s beleaguered debtors as their incomes go down and household bi

IVA (Individual Voluntary Arrangements) Calculator
See if you qualify for an IVA with our free calculator.

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IVA news and resource pages here.

Entering Into An IVA - Will I lose My Job?
An IVA can affect your career if you have a job in a specific sector, such as a role in the police, fire or in the accountancy sector. Read on for mor

IVAs And Relationships - How Are They Affected? - IVAWizard.net
IVAs can not only affect you, it can also affect the people around you such as your spouse/partner and family.

IVAs And Property - Will My Home Be Repossessed?
Under an IVA you will NOT be asked to move out of your home or sell it, although you may be asked to release some of the equity in the property to rep

What Happens To my Home And Car In An IVA?
Find out what happens to your car, home and essential possessions when entering into an IVA with our extensive guide.

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Useful contact to help you through the bad times...

Fees And Key Information - IVAWizard.net
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Terms And Conditions - IVAWizard.net

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Write Off Unaffordable Debts

In most circumstances an IVA will allow you to write off most of what you cannot afford to repay, i.e. such as unsecured loans and credit card debts will be gone for good once you have received your discharge notice. Note: There are some debts that cannot be written off. Click here* for more information on the limitations.
 

Free From Debt Pressures

Unlike a Trust Deed Scotland, an IVA can make you totally free from provable debts within 60 months, although you will have to make a contribution from your income for up to 3 years if you can afford to. Once you have received your discharge then you are totally debt free subject to some limitations depending on your circumstances.
 

Government Solution

An IVA is under the control of the Government and is intended to help people who are struggling wither finances. An IVA is a formal, legislated debt solution and a legally binding agreement with your creditors meaning you can take piece of mind that every aspect of your agreement is covered contractually and legally.

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