Monday, December 29, 2008
Burden By Debts ?
Everyone of us wanted to have a debt free living. Waking up in the morning with a worry free mood. How is that sound? Unpaid bills and debt filed up high are so much burden to tackle. If we had so much debt, our lifestyles are affected. At home, we always feel irritable and always had a panicked moment every time phone or doorbell rang. That is just the reality. But, if indeed we had so much debt, what options do we have? Who do we turn to? IVA is a company devoted to helping people with debts. IVA stands for Individual Voluntary Arrangement which is a legally binding agreement between you and all the people and organizations you owed money. You can try to arrange an IVA when there is no real prospect of paying off all your debts. With the help of a licensed insolvency practitioner, you work out what you can realistically afford to pay back over a period of time. Usually, 3 to 5 years. If three-quarters of your creditors agree, all your debts and the future interest on them will be frozen at the time that the IVA proposal is agreed. Your creditors will usually forgo some of the debt you owed and at the end of the agreed period these debts are written off provided you have kept up with the negotiated monthly IVA payments. As long as you are confident you can maintain the regular monthly payment that is agreed an IVA then you could be debt free in 5 years or less. If you think this might be the solution you need then visit IVA now.
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