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An Individual Voluntary Arrangement, or IVA, offers a formal solution to your debt problems.

IVA

IVA

If you are eligible for an IVA and if the majority of your creditors agree with the proposal which we would make on your behalf, you would enter into a legally-binding agreement and you would make a single payment to an Insolvency Practitioner (IP).

Under the agreement, your creditors would agree to stop contacting you, accept the payments that you make, and would write off the balance of the debt at the end of the agreement (usually after five years) providing, of course, that you have stuck to the agreement. You must make all of the payments under the agreement. The IP's fees are collected out of the IVA

Every type of debt solution has benefits and down sides, but, as part of our ethical service to you, we will make you aware of both . The Restart BTi team is here to ensure that you understand both sides of any proposed solution, and to help you make the best decision for your individual circumstances. Potential disadvantages of an IVA might include:

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