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Individual Voluntary Arrangement

Bad Credit and Debt Management

• Dealing with financial difficulty
• The Voters Roll
• Missed payments
• Credit Searches & Credit Reporting Agencies
• County Court Judgments (CCJ’s):

Individual Voluntary Arrangement (IVA)

• What is an IVA?
• IVA's Eligibility
• What can be included in an IVA?
• How Does an IVA work?
• How much do you pay under an IVA?
• What happens after the IVA?
• Debt Management Plans
• IVA's - things to be aware of
• IVA Further assistance

Bankruptcy

• What is bankruptcy?
• How do you become bankrupt?
• Who deals with a Bankruptcy Order?
• How does bankruptcy affect you?
• What are your duties under a bankruptcy order?
• How does bankruptcy end?

Default

• Default register
• What is the Default Process?
• What happens after the default is registered?
• What is a Default?
• How does a default occur?
• What should you do if you receive a default notice?

Where to get further help

• The Consumer Credit Counselling Service
• The National Debt Helpline
• Citizens Advice Service & Bureau

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Your home may be repossessed if you do not keep up repayments on your mortgage.