Written on: 01/08/2012 by damianBoulton (1 review written)
IVA is a good way to pay your debts, when it all seems to have got out of hand.
I allows you to live on a reasonable income and pay a lump sum to a handler for your creditors. Although it can take a few years and you cannot get any credit (except car ins) while you are on it.
I have recently had to take what they call a an IVA holiday because my car broke down and needed some very expensive repairs, but I was allowed to knock my payments down to a third for six months to pay for it. Obviously it will put an extra 6 months on the IVA time, unless of course I win the lottery.
But its a good way to get back on your feet.
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