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Vital information about Individual Voluntary Agreements


In recent times, a number of people across the UK have managed to clear their debts via an Individual Voluntary Agreement (IVA). If you seem to be forever struggling with unsecured debts that never seem to become any smaller, this could be the solution for you. The main benefit is that you’ll know what you’ll be paying each month, and that there will be a light at the end of the tunnel.


As long as you are able to meet your commitments every month when you have an IVA, you can look forward to a time when those debts are finally written off. An IVA isn’t for everyone, because of course there are alternatives such as bankruptcy to consider, but if it’s suitable for you it’s worth thinking about. As always, Bluesky Finance can help with crucial advice, guidance and support.

It’s highly unlikely that you will lose your home with an IVA. This scheme is designed to deal with unsecured debts, so a mortgage won’t be included. An IVA will leave you with reasonable living expenses each month, and those will include the provision for somewhere to live. It should be noted that signing up to an IVA, like other debt programmes, will have an effect on your credit rating.

Several other debts won’t be part of the IVA. They include secured loans, rent arrears, HP schemes, student loans and arrears on things like child support. It’s important that you understand what will and won’t be included, and how much you will have to pay on a monthly basis. Thankfully, Bluesky Finance can help you with this from the very beginning.

In the majority of cases, an Individual Personal Agreement will last for five years. You will commit to making 60 monthly payments, and these will be divided up between each of your creditors. If at any point you’re able to pay a lump sum that will bring the agreement to an early conclusion, it’s worth asking if this will be acceptable. A quick chat with BlueSky Finance on0141 488 2212  will bring you all the information you need.


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