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IVA Advice Centre

Can a personal loan be part of an IVA?

A personal loan is an unsecured debt, so it can be included in an IVA (Individual Voluntary Arrangement). Read article

Can an IVA be used to pay off my overdraft?

An overdraft is an unsecured debt, so it can be included in an IVA. Read article

What rights do bailiffs and debt collectors have?

A debt collector does not have the same rights as a bailiff, and it is important to know your rights too. Read article

Can Hire Purchase debts be included in an IVA?

An IVA could help you repay unsecured debts that you cannot afford. It does not cover hire purchase debts, but it could make sure those debts are affordable. Read article

Who will know about my IVA?

Your IVA will be recorded on the Individual Insolvency Register - which is publicly available, but which most people don't ever look at. Read article

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Subject to eligibility and acceptance. Fees Payable. Debt write off applies to unsecured debts only and on completion of an IVA, alternative solutions may be offered. If your IVA fails, it could lead to Bankruptcy. Your ability to obtain credit will be affected for at least 6 years. Homeowners may be required to release the equity in their property.