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Can you start an IVA if you have recently taken a loan or used your credit cards? Can you spend the remaining balance on your cards?

Can a joint debt be included in an IVA? Is the other person still liable? Can the debt be left out? Is a joint IVA possible?

Will HMRC accept your IVA? Does the reason for your tax debt affect the decision? What if you are a home owner? Options if HMRC reject your IVA.

Is a standard percentage of debt written off in an IVA? How much will you write off? Can the amount change? What if you’re a home owner?

Find out if you can do an IVA after you have moved abroad. How will your local credit rating be affected? Is it better to go bankrupt?

Some of the main IVA Advantages: Single affordable payment; Debt written off, Interest frozen. Also find out more about the potential Disadvantages.

Can you include family debt in an IVA. Is excluding the debt and continuing to pay them an option? Alternative options if you can’t stop paying them.

Can you do an IVA if you are a company director? What happens to company debts? How will your company be affected? Alternative debt solutions for directors.

Can a Company Director start an IVA? What if you are a sole trader? Will you be able to maintain your business bank account?