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What's an IVA? A quick peek..

IVA or Individual Voluntary Arrangement is an alternative for bankruptcy. IVA is an agreement made through the county court to pay an agreed amount off your debts over a shorter period of time. It means paying a high monthly installment over 3 to 5 years and the rest of the debts are written off.

The process in an IVA is as follows. You or your IVA Company or consultant approach the court with the details of your proposal.

After the details and proposals is sent to the creditors a meeting will be held. Only those creditors who had notice of the meeting are bound by the arrangement, therefore you have to make sure that all of your creditors are intimated without fail. Otherwise, the arrangement might fail.

At the meeting, the creditors are allowed to vote on whether to accept or decline your proposal. If more than 75% of your creditors vote in favor, the proposals are accepted. They are then binding on all creditors who had been intimated and were entitled to vote.

Then the payoff is made accordingly.