A successful ClearDebt IVA holder, “Struggling 63”, whose IVA completed in July 2010, shares his story of debts and how an IVA changed his life and his attitude to money, in the hope of inspiring others who are in debt or just starting their IVA.
We are appalled at the behaviour of the biggest organisation representing creditors in IVAs – TIX. Individual Voluntary Arrangements (IVAs) are supposed to be accepted by creditors when they are affordable, achievable and represents the debtors’ best efforts. They are supposed to be the best a person can do to repay as much as possible of the debts. It’s a five year commitment (usually) and its pretty fair for both sides – but it isn’t supposed to be set at a level that makes life horribly hard.
Last week one of our IVA clients gave ClearDebt some really positive feedback on her personal debt blog.
Continue reading the "ClearDebt thanked for their debt management services" »
Celebrities and people in the public eye seemingly all turn to bankruptcy to deal with their debt problems, but bankruptcy isn’t the only answer. We take Sarah Ferguson, Duchess of York, and use her as an example of how an IVA could help her manage her debts.
Continue reading the "How would an IVA work for the Duchess of York and her debts?" »
A report by Tesco Finance has revealed that couples spend an average of 10 months saving up for weddings. What options are there for people who are in debt and want to get married without making their financial situation worse?
Continue reading the "Weddings and debt – two things that always go hand in hand?" »
The fact is that whenever anyone mentions the term “IVA Factory”, it’s like a sour taste in your mouth. The connation it creates is everything one would naturally reject. It implies clients are a number rather than a name and that the goal of the day is about churning out business and hitting targets rather than making a difference to people’s lives.
Continue reading the "IVA Factories – a good thing, or not?" »
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