If you live in the UK and you want to
consolidate your debt, then you have several options. The best consolidation
option for you will depend on your own particular circumstances such as the
size of your debt and how many creditors you have.
Individual Voluntary Arrangement
One of the most popular debt consolidation
options used in the UK is an Individual Voluntary Arrangement, commonly known
as an IVA. With an IVA you can consolidate your debts and clear them in a fixed
period of time. Typically you will make consolidated payments for a period of
five years after which all remaining debts will be written off leaving you debt-free.
The amount you pay each month will depend not only on the size of your debts
but also on what you can afford given your current income and essential outgoings.
By entering into an IVA it is possible for you to reduce your debts by as much
as two thirds. IVAs are an excellent choice for many people with debt problems
they aren’t, however, suitable for everyone. Usually, to qualify for an IVA you
must have debts in excess of A15000 and be in regular employment. If you do not
meet this criterion then you will have to consider other options.
The most common form of debt consolidation
used by people in the UK is debt management plans. A debt management plan is an
informal arrangement made between a person and their creditors to reduce the
size of their debt repayments. Creditors are usually prepared to agree to such
an arrangement if it prevents the debtor from defaulting on the payments altogether.
Typically the plan will also mean that any interest being charged to the debt
is stopped and so the size of the debt is no … » Read more
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