{"id":13,"date":"2024-03-01T10:05:23","date_gmt":"2024-03-01T10:05:23","guid":{"rendered":"https:\/\/apply-for-an-iva.co.uk\/?page_id=13"},"modified":"2024-03-07T14:22:13","modified_gmt":"2024-03-07T14:22:13","slug":"home","status":"publish","type":"page","link":"https:\/\/apply-for-an-iva.co.uk\/","title":{"rendered":"Home"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"13\" class=\"elementor elementor-13\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ce95e31 e-flex e-con-boxed e-con e-parent\" data-id=\"4ce95e31\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6f438eb4 e-con-full e-flex e-con e-child\" data-id=\"6f438eb4\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c88c4c6 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"c88c4c6\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1789 13\"><defs><style>.cls-1{fill:none;stroke:#035928;stroke-linecap:round;stroke-linejoin:round;stroke-width:10px;stroke-dasharray:50 30;}<\/style><\/defs><g id=\"Layer_2\" data-name=\"Layer 2\"><g id=\"Layer_1-2\" data-name=\"Layer 1\"><line class=\"cls-1\" x1=\"5\" y1=\"5\" x2=\"1784\" y2=\"8\"><\/line><\/g><\/g><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27288266 elementor-widget elementor-widget-heading\" data-id=\"27288266\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 10-04-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Apply For An IVA And Write Off Up To 85% Of Your Unaffordable Debt<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-161fe9e5 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"161fe9e5\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/plugins\/elementor\/assets\/css\/widget-icon-list.min.css\">\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm0 400H48V80h352v352zm-35.864-241.724L191.547 361.48c-4.705 4.667-12.303 4.637-16.97-.068l-90.781-91.516c-4.667-4.705-4.637-12.303.069-16.971l22.719-22.536c4.705-4.667 12.303-4.637 16.97.069l59.792 60.277 141.352-140.216c4.705-4.667 12.303-4.637 16.97.068l22.536 22.718c4.667 4.706 4.637 12.304-.068 16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Stop Creditor Calls<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm0 400H48V80h352v352zm-35.864-241.724L191.547 361.48c-4.705 4.667-12.303 4.637-16.97-.068l-90.781-91.516c-4.667-4.705-4.637-12.303.069-16.971l22.719-22.536c4.705-4.667 12.303-4.637 16.97.069l59.792 60.277 141.352-140.216c4.705-4.667 12.303-4.637 16.97.068l22.536 22.718c4.667 4.706 4.637 12.304-.068 16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Freeze Interest and Charges<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm0 400H48V80h352v352zm-35.864-241.724L191.547 361.48c-4.705 4.667-12.303 4.637-16.97-.068l-90.781-91.516c-4.667-4.705-4.637-12.303.069-16.971l22.719-22.536c4.705-4.667 12.303-4.637 16.97.069l59.792 60.277 141.352-140.216c4.705-4.667 12.303-4.637 16.97.068l22.536 22.718c4.667 4.706 4.637 12.304-.068 16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Free, No Obligation Consultation<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm0 400H48V80h352v352zm-35.864-241.724L191.547 361.48c-4.705 4.667-12.303 4.637-16.97-.068l-90.781-91.516c-4.667-4.705-4.637-12.303.069-16.971l22.719-22.536c4.705-4.667 12.303-4.637 16.97.069l59.792 60.277 141.352-140.216c4.705-4.667 12.303-4.637 16.97.068l22.536 22.718c4.667 4.706 4.637 12.304-.068 16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Discover The Right Solution For You<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6080e700 elementor-widget elementor-widget-text-editor\" data-id=\"6080e700\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 10-04-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>May not be suitable in all circumstances. Fees may apply, read here. Entering into a Protected Trust Deed may affect your credit rating.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-227beca2 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"227beca2\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-xl\" href=\"#Form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Enquire Now<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e7896d elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"9e7896d\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1789 13\"><defs><style>.cls-1{fill:none;stroke:#035928;stroke-linecap:round;stroke-linejoin:round;stroke-width:10px;stroke-dasharray:50 30;}<\/style><\/defs><g id=\"Layer_2\" data-name=\"Layer 2\"><g id=\"Layer_1-2\" data-name=\"Layer 1\"><line class=\"cls-1\" x1=\"5\" y1=\"5\" x2=\"1784\" y2=\"8\"><\/line><\/g><\/g><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-29e7df73 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"29e7df73\" data-element_type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a248439 e-flex e-con-boxed e-con e-parent\" data-id=\"2a248439\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ed82216 elementor-widget elementor-widget-menu-anchor\" data-id=\"7ed82216\" data-element_type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 10-04-2024 *\/\nbody.elementor-page .elementor-widget-menu-anchor{margin-bottom:0}<\/style>\t\t<div id=\"Form\" class=\"elementor-menu-anchor\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e5cc349 elementor-widget elementor-widget-text-editor\" data-id=\"3e5cc349\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tCheck If You Qualify By Answering The Questions <span style=\"color: #04BF7B;\">Below<\/span>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e883c78 elementor-widget elementor-widget-wpforms\" data-id=\"5e883c78\" data-element_type=\"widget\" data-widget_type=\"wpforms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style id=\"wpforms-css-vars-root\">\n\t\t\t\t:root {\n\t\t\t\t\t--wpforms-field-border-radius: 3px;\n--wpforms-field-background-color: #ffffff;\n--wpforms-field-border-color: rgba( 0, 0, 0, 0.25 );\n--wpforms-field-text-color: rgba( 0, 0, 0, 0.7 );\n--wpforms-label-color: rgba( 0, 0, 0, 0.85 );\n--wpforms-label-sublabel-color: rgba( 0, 0, 0, 0.55 );\n--wpforms-label-error-color: #d63637;\n--wpforms-button-border-radius: 3px;\n--wpforms-button-background-color: #066aab;\n--wpforms-button-text-color: #ffffff;\n--wpforms-page-break-color: #066aab;\n--wpforms-field-size-input-height: 43px;\n--wpforms-field-size-input-spacing: 15px;\n--wpforms-field-size-font-size: 16px;\n--wpforms-field-size-line-height: 19px;\n--wpforms-field-size-padding-h: 14px;\n--wpforms-field-size-checkbox-size: 16px;\n--wpforms-field-size-sublabel-spacing: 5px;\n--wpforms-field-size-icon-size: 1;\n--wpforms-label-size-font-size: 16px;\n--wpforms-label-size-line-height: 19px;\n--wpforms-label-size-sublabel-font-size: 14px;\n--wpforms-label-size-sublabel-line-height: 17px;\n--wpforms-button-size-font-size: 17px;\n--wpforms-button-size-height: 41px;\n--wpforms-button-size-padding-h: 15px;\n--wpforms-button-size-margin-top: 10px;\n\n\t\t\t\t}\n\t\t\t<\/style><style id=\"wpforms-css-vars-elementor-widget-5e883c78\">\n\t\t\t\t.elementor-widget-wpforms.elementor-element-5e883c78 {\n\t\t\t\t\t--wpforms-field-background-color: #FFFFFF;\n--wpforms-field-text-color: #000000B3;\n--wpforms-label-sublabel-color: #0000008C;\n--wpforms-button-background-color: #0096D5;\n--wpforms-field-size-input-height: 43px;\n--wpforms-field-size-input-spacing: 15px;\n--wpforms-field-size-font-size: 16px;\n--wpforms-field-size-line-height: 19px;\n--wpforms-field-size-padding-h: 14px;\n--wpforms-field-size-checkbox-size: 16px;\n--wpforms-field-size-sublabel-spacing: 5px;\n--wpforms-field-size-icon-size: 1;\n--wpforms-label-size-font-size: 16px;\n--wpforms-label-size-line-height: 19px;\n--wpforms-label-size-sublabel-font-size: 14px;\n--wpforms-label-size-sublabel-line-height: 17px;\n--wpforms-button-size-font-size: 17px;\n--wpforms-button-size-height: 41px;\n--wpforms-button-size-padding-h: 15px;\n--wpforms-button-size-margin-top: 10px;\n\n\t\t\t\t}\n\t\t\t<\/style>\r\n<style type=\"text\/css\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n\tbody #wpforms-78 .wpforms-submit-container .wpforms-submit, body #wpforms-78 .wpforms-field-pagebreak button.wpforms-page-button {\r\n\t\ttext-align:center ;\t\tborder-width: 0px;\t}\r\n\tbody #wpforms-78 .wpforms-submit-container .wpforms-submit:hover, body #wpforms-78 .wpforms-field-pagebreak button.wpforms-page-button:hover {\r\n\t\t\t}\r\n\tbody #wpforms-78 .wpforms-submit-container,body #wpforms-78 .wpforms-field-pagebreak .wpforms-pagebreak-left{\r\n\ttext-align:center;\t}\r\n\r\n\r\n\r\n\r\n\r\n\r\n \r\n\tbody #wpforms-78 .wpforms-form .wpforms-field-radio li label,\r\n\tbody #wpforms-78 .wpforms-form .wpforms-field-payment-multiple li label {\r\n\t\tline-height:5 ;\t}\r\n\r\n\/* Styling for Tablets *\/\r\n@media only screen and (max-width: 800px) and (min-width:481px) {\r\n\t\r\n\r\n\r\n\r\n}\r\n\r\n@media only screen and (max-width: 480px){\r\n\t\r\n\r\n\r\n\t\tbody #wpforms-78 .wpforms-form .wpforms-field-radio li label,\r\n\t\tbody #wpforms-78 .wpforms-form .wpforms-field-payment-multiple li label{\r\n\t\t\tline-height:3 ;\t\t}\r\n\r\n}\r\n\/*Option to add custom CSS *\/\r\n\r\n\r\n\r\n\r\n\t\t<\/style>\r\n\t\t<div class=\"wpforms-container wpforms-container-full wpforms-render-modern\" id=\"wpforms-78\"><form id=\"wpforms-form-78\" class=\"wpforms-validate wpforms-form wpforms-ajax-form\" data-formid=\"78\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/wp-json\/wp\/v2\/pages\/13\" data-token=\"de04cfdb83ca16e44f7265b422b9d1e3\"><noscript class=\"wpforms-error-noscript\">Please enable JavaScript in your browser to complete this form.<\/noscript><div class=\"wpforms-hidden\" id=\"wpforms-error-noscript\">Please enable JavaScript in your browser to complete this form.<\/div><div class=\"wpforms-page-indicator connector\" data-indicator=\"connector\" data-indicator-color=\"#efb206\" data-scroll=\"1\" role=\"progressbar\" aria-valuenow=\"1\" aria-valuemin=\"1\" aria-valuemax=\"6\" tabindex=\"-1\"><div class=\"wpforms-page-indicator-page active wpforms-page-indicator-page-1\" style=\"width:16.666666666667%;\"><span class=\"wpforms-page-indicator-page-number\" style=\"background-color:#efb206\">1<span class=\"wpforms-page-indicator-page-triangle\" style=\"border-top-color:#efb206\"><\/span><\/span><\/div><div class=\"wpforms-page-indicator-page  wpforms-page-indicator-page-2\" style=\"width:16.666666666667%;\"><span class=\"wpforms-page-indicator-page-number\">2<span class=\"wpforms-page-indicator-page-triangle\"><\/span><\/span><\/div><div class=\"wpforms-page-indicator-page  wpforms-page-indicator-page-3\" style=\"width:16.666666666667%;\"><span class=\"wpforms-page-indicator-page-number\">3<span class=\"wpforms-page-indicator-page-triangle\"><\/span><\/span><\/div><div class=\"wpforms-page-indicator-page  wpforms-page-indicator-page-4\" style=\"width:16.666666666667%;\"><span class=\"wpforms-page-indicator-page-number\">4<span class=\"wpforms-page-indicator-page-triangle\"><\/span><\/span><\/div><div class=\"wpforms-page-indicator-page  wpforms-page-indicator-page-5\" style=\"width:16.666666666667%;\"><span class=\"wpforms-page-indicator-page-number\">5<span class=\"wpforms-page-indicator-page-triangle\"><\/span><\/span><\/div><div class=\"wpforms-page-indicator-page  wpforms-page-indicator-page-6\" style=\"width:16.666666666667%;\"><span class=\"wpforms-page-indicator-page-number\">6<span class=\"wpforms-page-indicator-page-triangle\"><\/span><\/span><\/div><\/div><div class=\"wpforms-field-container\"><div class=\"wpforms-page wpforms-page-1 \" data-page=\"1\"><div id=\"wpforms-78-field_20-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-id=\"20\"><\/div><div id=\"wpforms-78-field_56-container\" class=\"wpforms-field wpforms-field-html wpf-field-title\" data-field-id=\"56\"><div id=\"wpforms-78-field_56\" aria-errormessage=\"wpforms-78-field_56-error\"><p style=\"text-align: center;\">How Much Do You Owe In Total?<\/p><\/div><\/div><div id=\"wpforms-78-field_1-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-2-columns\" data-field-id=\"1\"><fieldset><legend class=\"wpforms-field-label wpforms-label-hide\" aria-hidden=\"false\">How much do you owe in total? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-78-field_1\" class=\"wpforms-field-required\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-78-field_1_1\" name=\"wpforms[fields][1]\" value=\"\u00a30 - \u00a33,000\" aria-errormessage=\"wpforms-78-field_1_1-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-78-field_1_1\">\u00a30 - \u00a33,000<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-78-field_1_2\" name=\"wpforms[fields][1]\" value=\"\u00a33,000 - \u00a37,000\" aria-errormessage=\"wpforms-78-field_1_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-78-field_1_2\">\u00a33,000 - \u00a37,000<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-78-field_1_3\" name=\"wpforms[fields][1]\" value=\"\u00a37,000 - \u00a315,000\" aria-errormessage=\"wpforms-78-field_1_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-78-field_1_3\">\u00a37,000 - \u00a315,000<\/label><\/li><li class=\"choice-4 depth-1\"><input type=\"radio\" id=\"wpforms-78-field_1_4\" name=\"wpforms[fields][1]\" value=\"\u00a315,000 or more\" aria-errormessage=\"wpforms-78-field_1_4-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-78-field_1_4\">\u00a315,000 or more<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-78-field_42-container\" class=\"wpforms-field wpforms-field-html wpf-blue-background\" data-field-id=\"42\"><div id=\"wpforms-78-field_42\" aria-errormessage=\"wpforms-78-field_42-error\">Why are we asking this question?<\/div><\/div><div id=\"wpforms-78-field_43-container\" class=\"wpforms-field wpforms-field-html wpf-green-background\" data-field-id=\"43\"><div id=\"wpforms-78-field_43\" aria-errormessage=\"wpforms-78-field_43-error\">By knowing how much debt you owe, we can ensure we are able to offer you the most appropriate debt solution for your needs.<\/div><\/div><div id=\"wpforms-78-field_19-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-id=\"19\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"1\" data-formid=\"78\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-2  \" data-page=\"2\" style=\"display:none;\"><div id=\"wpforms-78-field_57-container\" class=\"wpforms-field wpforms-field-html wpf-field-title\" data-field-id=\"57\"><div id=\"wpforms-78-field_57\" aria-errormessage=\"wpforms-78-field_57-error\"><p style=\"text-align: center;\">How Many Debts Do You Owe?<\/p><\/div><\/div><div id=\"wpforms-78-field_4-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-2-columns\" data-field-id=\"4\"><fieldset><legend class=\"wpforms-field-label wpforms-label-hide\" aria-hidden=\"false\">How many debts do you owe? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-78-field_4\" class=\"wpforms-field-required\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-78-field_4_1\" name=\"wpforms[fields][4]\" value=\"1\" aria-errormessage=\"wpforms-78-field_4_1-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-78-field_4_1\">1<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-78-field_4_2\" name=\"wpforms[fields][4]\" value=\"2\" aria-errormessage=\"wpforms-78-field_4_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-78-field_4_2\">2<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-78-field_4_3\" name=\"wpforms[fields][4]\" value=\"3\" aria-errormessage=\"wpforms-78-field_4_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-78-field_4_3\">3<\/label><\/li><li class=\"choice-4 depth-1\"><input type=\"radio\" id=\"wpforms-78-field_4_4\" name=\"wpforms[fields][4]\" value=\"4\" aria-errormessage=\"wpforms-78-field_4_4-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-78-field_4_4\">4<\/label><\/li><li class=\"choice-5 depth-1\"><input type=\"radio\" id=\"wpforms-78-field_4_5\" name=\"wpforms[fields][4]\" value=\"5 or more\" aria-errormessage=\"wpforms-78-field_4_5-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-78-field_4_5\">5 or more<\/label><\/li><li class=\"choice-6 depth-1\"><input type=\"radio\" id=\"wpforms-78-field_4_6\" name=\"wpforms[fields][4]\" value=\"Not sure\" aria-errormessage=\"wpforms-78-field_4_6-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-78-field_4_6\">Not sure<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-78-field_44-container\" class=\"wpforms-field wpforms-field-html wpf-blue-background\" data-field-id=\"44\"><div id=\"wpforms-78-field_44\" aria-errormessage=\"wpforms-78-field_44-error\">Why are we asking this question?<\/div><\/div><div id=\"wpforms-78-field_45-container\" class=\"wpforms-field wpforms-field-html wpf-green-background\" data-field-id=\"45\"><div id=\"wpforms-78-field_45\" aria-errormessage=\"wpforms-78-field_45-error\">By knowing how many creditors you have, we can ensure we are offering you an appropriate debt solution.<\/div><\/div><div id=\"wpforms-78-field_22-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-id=\"22\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"2\" data-formid=\"78\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-3  \" data-page=\"3\" style=\"display:none;\"><div id=\"wpforms-78-field_58-container\" class=\"wpforms-field wpforms-field-html wpf-field-title\" data-field-id=\"58\"><div id=\"wpforms-78-field_58\" aria-errormessage=\"wpforms-78-field_58-error\"><p style=\"text-align: center;\">What's Your Employment Status?<\/p><\/div><\/div><div id=\"wpforms-78-field_2-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-2-columns\" data-field-id=\"2\"><fieldset><legend class=\"wpforms-field-label wpforms-label-hide\" aria-hidden=\"false\">What&#039;s your employment status? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-78-field_2\" class=\"wpforms-field-required\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-78-field_2_1\" name=\"wpforms[fields][2]\" value=\"Employed\" aria-errormessage=\"wpforms-78-field_2_1-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-78-field_2_1\">Employed<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-78-field_2_2\" name=\"wpforms[fields][2]\" value=\"Self-Employed\" aria-errormessage=\"wpforms-78-field_2_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-78-field_2_2\">Self-Employed<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-78-field_2_3\" name=\"wpforms[fields][2]\" value=\"On Benefits\" aria-errormessage=\"wpforms-78-field_2_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-78-field_2_3\">On Benefits<\/label><\/li><li class=\"choice-4 depth-1\"><input type=\"radio\" id=\"wpforms-78-field_2_4\" name=\"wpforms[fields][2]\" value=\"Retired\" aria-errormessage=\"wpforms-78-field_2_4-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-78-field_2_4\">Retired<\/label><\/li><li class=\"choice-5 depth-1\"><input type=\"radio\" id=\"wpforms-78-field_2_5\" name=\"wpforms[fields][2]\" value=\"Unemployed\" aria-errormessage=\"wpforms-78-field_2_5-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-78-field_2_5\">Unemployed<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-78-field_46-container\" class=\"wpforms-field wpforms-field-html wpf-blue-background\" data-field-id=\"46\"><div id=\"wpforms-78-field_46\" aria-errormessage=\"wpforms-78-field_46-error\">Why are we asking this question?<\/div><\/div><div id=\"wpforms-78-field_47-container\" class=\"wpforms-field wpforms-field-html wpf-green-background\" data-field-id=\"47\"><div id=\"wpforms-78-field_47\" aria-errormessage=\"wpforms-78-field_47-error\">This helps us to determine where your income may be coming from so we can find the debt solution that best suits your needs.<\/div><\/div><div id=\"wpforms-78-field_23-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-id=\"23\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"3\" data-formid=\"78\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-4  \" data-page=\"4\" style=\"display:none;\"><div id=\"wpforms-78-field_59-container\" class=\"wpforms-field wpforms-field-html wpf-field-title\" data-field-id=\"59\"><div id=\"wpforms-78-field_59\" aria-errormessage=\"wpforms-78-field_59-error\"><p style=\"text-align: center;\">What Is Your Residential Status?<\/p><\/div><\/div><div id=\"wpforms-78-field_5-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-2-columns\" data-field-id=\"5\"><fieldset><legend class=\"wpforms-field-label wpforms-label-hide\" aria-hidden=\"false\">What is your residential status? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-78-field_5\" class=\"wpforms-field-required\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-78-field_5_1\" name=\"wpforms[fields][5]\" value=\"Homeowner\" aria-errormessage=\"wpforms-78-field_5_1-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-78-field_5_1\">Homeowner<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-78-field_5_2\" name=\"wpforms[fields][5]\" value=\"Tenant\" aria-errormessage=\"wpforms-78-field_5_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-78-field_5_2\">Tenant<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-78-field_5_3\" name=\"wpforms[fields][5]\" value=\"Living with family\" aria-errormessage=\"wpforms-78-field_5_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-78-field_5_3\">Living with family<\/label><\/li><li class=\"choice-4 depth-1\"><input type=\"radio\" id=\"wpforms-78-field_5_4\" name=\"wpforms[fields][5]\" value=\"Other\" aria-errormessage=\"wpforms-78-field_5_4-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-78-field_5_4\">Other<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-78-field_48-container\" class=\"wpforms-field wpforms-field-html wpf-blue-background\" data-field-id=\"48\"><div id=\"wpforms-78-field_48\" aria-errormessage=\"wpforms-78-field_48-error\">Why are we asking this question?<\/div><\/div><div id=\"wpforms-78-field_49-container\" class=\"wpforms-field wpforms-field-html wpf-green-background\" data-field-id=\"49\"><div id=\"wpforms-78-field_49\" aria-errormessage=\"wpforms-78-field_49-error\">Knowing your living arrangements ensures that we offer you solutions that do not put your home at risk.<\/div><\/div><div id=\"wpforms-78-field_24-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-id=\"24\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"4\" data-formid=\"78\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-5  \" data-page=\"5\" style=\"display:none;\"><div id=\"wpforms-78-field_60-container\" class=\"wpforms-field wpforms-field-html wpf-field-title\" data-field-id=\"60\"><div id=\"wpforms-78-field_60\" aria-errormessage=\"wpforms-78-field_60-error\"><p style=\"text-align: center;\">Where Do You Live?<\/p><\/div><\/div><div id=\"wpforms-78-field_3-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-2-columns\" data-field-id=\"3\"><fieldset><legend class=\"wpforms-field-label wpforms-label-hide\" aria-hidden=\"false\">Where do you live? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-78-field_3\" class=\"wpforms-field-required\"><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-78-field_3_2\" name=\"wpforms[fields][3]\" value=\"England\" aria-errormessage=\"wpforms-78-field_3_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-78-field_3_2\">England<\/label><\/li><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-78-field_3_1\" name=\"wpforms[fields][3]\" value=\"Scotland\" aria-errormessage=\"wpforms-78-field_3_1-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-78-field_3_1\">Scotland<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-78-field_3_3\" name=\"wpforms[fields][3]\" value=\"Wales\" aria-errormessage=\"wpforms-78-field_3_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-78-field_3_3\">Wales<\/label><\/li><li class=\"choice-4 depth-1\"><input type=\"radio\" id=\"wpforms-78-field_3_4\" name=\"wpforms[fields][3]\" value=\"Northern Ireland\" aria-errormessage=\"wpforms-78-field_3_4-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-78-field_3_4\">Northern Ireland<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-78-field_50-container\" class=\"wpforms-field wpforms-field-html wpf-blue-background\" data-field-id=\"50\"><div id=\"wpforms-78-field_50\" aria-errormessage=\"wpforms-78-field_50-error\">Why are we asking this question?<\/div><\/div><div id=\"wpforms-78-field_51-container\" class=\"wpforms-field wpforms-field-html wpf-green-background\" data-field-id=\"51\"><div id=\"wpforms-78-field_51\" aria-errormessage=\"wpforms-78-field_51-error\">Different countries in the UK can have different legislation regarding debt. By knowing where you live we can ensure we are offering a solution that is appropriate to you.<\/div><\/div><div id=\"wpforms-78-field_26-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-id=\"26\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"5\" data-formid=\"78\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-6 last \" data-page=\"6\" style=\"display:none;\"><div id=\"wpforms-78-field_25-container\" class=\"wpforms-field wpforms-field-name\" data-field-id=\"25\"><fieldset><legend class=\"wpforms-field-label\">Name <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><div class=\"wpforms-field-row wpforms-field-large\"><div class=\"wpforms-field-row-block wpforms-first wpforms-one-half\"><input type=\"text\" id=\"wpforms-78-field_25\" class=\"wpforms-field-name-first wpforms-field-required\" name=\"wpforms[fields][25][first]\" placeholder=\"First Name\" aria-errormessage=\"wpforms-78-field_25-error\" required><label for=\"wpforms-78-field_25\" class=\"wpforms-field-sublabel after wpforms-sublabel-hide\">First<\/label><\/div><div class=\"wpforms-field-row-block wpforms-one-half\"><input type=\"text\" id=\"wpforms-78-field_25-last\" class=\"wpforms-field-name-last wpforms-field-required\" name=\"wpforms[fields][25][last]\" placeholder=\"Last Name\" aria-errormessage=\"wpforms-78-field_25-last-error\" required><label for=\"wpforms-78-field_25-last\" class=\"wpforms-field-sublabel after wpforms-sublabel-hide\">Last<\/label><\/div><\/div><\/fieldset><\/div><div id=\"wpforms-78-field_27-container\" class=\"wpforms-field wpforms-field-email\" data-field-id=\"27\"><label class=\"wpforms-field-label\" for=\"wpforms-78-field_27\">Email <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"email\" id=\"wpforms-78-field_27\" class=\"wpforms-field-large wpforms-field-required\" name=\"wpforms[fields][27]\" placeholder=\"name@domain.co.uk\" spellcheck=\"false\" aria-errormessage=\"wpforms-78-field_27-error\" required><\/div><div id=\"wpforms-78-field_28-container\" class=\"wpforms-field wpforms-field-phone\" data-field-id=\"28\"><label class=\"wpforms-field-label\" for=\"wpforms-78-field_28\">Phone <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"tel\" id=\"wpforms-78-field_28\" class=\"wpforms-field-large wpforms-field-required\" data-rule-int-phone-field=\"true\" name=\"wpforms[fields][28]\" placeholder=\"e.g. 07812345678\" aria-errormessage=\"wpforms-78-field_28-error\" required><\/div><div id=\"wpforms-78-field_35-container\" class=\"wpforms-field wpforms-field-html wpf-disclaim\" data-field-id=\"35\"><div id=\"wpforms-78-field_35\" aria-errormessage=\"wpforms-78-field_35-error\">By submitting, you are agreeing to be contacted by us by phone, email or SMS. You are also agreeing to our privacy policy.<\/div><\/div><div id=\"wpforms-78-field_39-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-id=\"39\"><input type=\"hidden\" id=\"wpforms-78-field_39\" name=\"wpforms[fields][39]\" aria-errormessage=\"wpforms-78-field_39-error\"><\/div><div id=\"wpforms-78-field_38-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-id=\"38\"><input type=\"hidden\" id=\"wpforms-78-field_38\" name=\"wpforms[fields][38]\" aria-errormessage=\"wpforms-78-field_38-error\"><\/div><div id=\"wpforms-78-field_62-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-id=\"62\"><input type=\"hidden\" id=\"wpforms-78-field_62\" name=\"wpforms[fields][62]\" aria-errormessage=\"wpforms-78-field_62-error\"><\/div><div id=\"wpforms-78-field_37-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-id=\"37\"><input type=\"hidden\" id=\"wpforms-78-field_37\" name=\"wpforms[fields][37]\" aria-errormessage=\"wpforms-78-field_37-error\"><\/div><div id=\"wpforms-78-field_21-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-id=\"21\"><\/div><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" style=\"display:none;\"><input type=\"hidden\" name=\"wpforms[id]\" value=\"78\"><input type=\"hidden\" name=\"wpforms[author]\" value=\"1\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-78\" class=\"wpforms-submit\" data-alt-text=\"Sending\u2026\" data-submit-text=\"Submit\" aria-live=\"assertive\" value=\"wpforms-submit\">Submit<\/button><img decoding=\"async\" src=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-submit-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\"><\/div><\/form><\/div>  <!-- .wpforms-container -->\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-279c7d56 e-flex e-con-boxed e-con e-parent\" data-id=\"279c7d56\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-73293814 e-con-full e-flex e-con e-child\" data-id=\"73293814\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31142ed elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"31142ed\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1789 13\"><defs><style>.cls-1{fill:none;stroke:#035928;stroke-linecap:round;stroke-linejoin:round;stroke-width:10px;stroke-dasharray:50 30;}<\/style><\/defs><g id=\"Layer_2\" data-name=\"Layer 2\"><g id=\"Layer_1-2\" data-name=\"Layer 1\"><line class=\"cls-1\" x1=\"5\" y1=\"5\" x2=\"1784\" y2=\"8\"><\/line><\/g><\/g><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-511e931c elementor-widget elementor-widget-text-editor\" data-id=\"511e931c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>What Is An <span style=\"color: #048c4d;\">IVA<\/span>?<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12d577c3 elementor-widget elementor-widget-text-editor\" data-id=\"12d577c3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"font_8\">An\u00a0<strong>IVA<\/strong>\u00a0can be a great, positive way to help with your debt. Allowing you to continue living your life without the stress of being chased by your\u00a0<strong>creditors<\/strong>.<\/p><p class=\"font_8\">An\u00a0<strong>Individual Voluntary Arrangement<\/strong>\u00a0<strong>(IVA)<\/strong>\u00a0is a debt solution where you agree with your creditors to pay all or part of your debts. This agreement is set up and managed by an\u00a0Insolvency Practitioner (IP), who will receive an agreed monthly payment from you and will divide it amongst your creditors.<\/p><p class=\"font_8\">if you\u00a0<strong>apply for an IVA<\/strong>, then this agreement could allow you to\u00a0<strong>write off<\/strong>\u00a0up to 85% of your total debt based on\u00a0<strong>government legislation<\/strong>\u00a0and will often give you a greater level of control than\u00a0<strong>bankruptcy<\/strong>.<\/p><p class=\"font_8\">Once your IVA has been agreed and set up, your creditors can no longer take action against you and won\u2019t be able to contact you, but it\u00a0will affect your credit rating for six years, making it difficult to get further credit during this period. Your details will also be placed on\u00a0<strong>The Register of Insolvencies<\/strong>, which is a public record, while you clear your debts.<\/p><p class=\"font_8\">For the duration of your IVA,\u00a0all fees and interest relating to your debt is frozen\u00a0and once completed, the remainder of your debt is written off, allowing you to begin again, debt free.<\/p><p class=\"font_8\">This agreement is available to residents of England, Wales and Northern Ireland. If you live in Scotland, then you could pursue an agreement called a\u00a0<strong>Trust Deed<\/strong>\u00a0to help you with your debt.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2aa0f177 e-con-full e-flex e-con e-child\" data-id=\"2aa0f177\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49dd73c elementor-widget elementor-widget-image\" data-id=\"49dd73c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 10-04-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"683\" height=\"1024\" src=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/pexels-vinicius-wiesehofer-1130626-683x1024.jpg\" class=\"attachment-large size-large wp-image-73\" alt=\"\" srcset=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/pexels-vinicius-wiesehofer-1130626-683x1024.jpg 683w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/pexels-vinicius-wiesehofer-1130626-200x300.jpg 200w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/pexels-vinicius-wiesehofer-1130626-768x1152.jpg 768w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/pexels-vinicius-wiesehofer-1130626-1024x1536.jpg 1024w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/pexels-vinicius-wiesehofer-1130626-1365x2048.jpg 1365w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/pexels-vinicius-wiesehofer-1130626-scaled.jpg 1707w\" sizes=\"(max-width: 683px) 100vw, 683px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-872aec6 e-flex e-con-boxed e-con e-parent\" data-id=\"872aec6\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c3fbe58 e-con-full e-flex e-con e-child\" data-id=\"c3fbe58\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24c34bd elementor-widget elementor-widget-image\" data-id=\"24c34bd\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"1024\" src=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/03\/pexels-christina-morillo-1181391-684x1024.jpg\" class=\"attachment-large size-large wp-image-94\" alt=\"\" srcset=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/03\/pexels-christina-morillo-1181391-684x1024.jpg 684w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/03\/pexels-christina-morillo-1181391-200x300.jpg 200w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/03\/pexels-christina-morillo-1181391-768x1150.jpg 768w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/03\/pexels-christina-morillo-1181391-1025x1536.jpg 1025w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/03\/pexels-christina-morillo-1181391-1367x2048.jpg 1367w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/03\/pexels-christina-morillo-1181391-scaled.jpg 1709w\" sizes=\"(max-width: 684px) 100vw, 684px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eed4ebf e-con-full e-flex e-con e-child\" data-id=\"eed4ebf\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1430896 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"1430896\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1789 13\"><defs><style>.cls-1{fill:none;stroke:#035928;stroke-linecap:round;stroke-linejoin:round;stroke-width:10px;stroke-dasharray:50 30;}<\/style><\/defs><g id=\"Layer_2\" data-name=\"Layer 2\"><g id=\"Layer_1-2\" data-name=\"Layer 1\"><line class=\"cls-1\" x1=\"5\" y1=\"5\" x2=\"1784\" y2=\"8\"><\/line><\/g><\/g><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7034d02f elementor-widget elementor-widget-text-editor\" data-id=\"7034d02f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tWho Qualifies For A <span style=\"color: #048c4d;\">IVA<\/span>?\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6272d82c elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6272d82c\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm0 400H48V80h352v352zm-35.864-241.724L191.547 361.48c-4.705 4.667-12.303 4.637-16.97-.068l-90.781-91.516c-4.667-4.705-4.637-12.303.069-16.971l22.719-22.536c4.705-4.667 12.303-4.637 16.97.069l59.792 60.277 141.352-140.216c4.705-4.667 12.303-4.637 16.97.068l22.536 22.718c4.667 4.706 4.637 12.304-.068 16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">You Have Over \u00a37,000 of Debt to Repay<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm0 400H48V80h352v352zm-35.864-241.724L191.547 361.48c-4.705 4.667-12.303 4.637-16.97-.068l-90.781-91.516c-4.667-4.705-4.637-12.303.069-16.971l22.719-22.536c4.705-4.667 12.303-4.637 16.97.069l59.792 60.277 141.352-140.216c4.705-4.667 12.303-4.637 16.97.068l22.536 22.718c4.667 4.706 4.637 12.304-.068 16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">You Owe to More Than One Creditor<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm0 400H48V80h352v352zm-35.864-241.724L191.547 361.48c-4.705 4.667-12.303 4.637-16.97-.068l-90.781-91.516c-4.667-4.705-4.637-12.303.069-16.971l22.719-22.536c4.705-4.667 12.303-4.637 16.97.069l59.792 60.277 141.352-140.216c4.705-4.667 12.303-4.637 16.97.068l22.536 22.718c4.667 4.706 4.637 12.304-.068 16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Live in England, Wales or Northern Ireland<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm0 400H48V80h352v352zm-35.864-241.724L191.547 361.48c-4.705 4.667-12.303 4.637-16.97-.068l-90.781-91.516c-4.667-4.705-4.637-12.303.069-16.971l22.719-22.536c4.705-4.667 12.303-4.637 16.97.069l59.792 60.277 141.352-140.216c4.705-4.667 12.303-4.637 16.97.068l22.536 22.718c4.667 4.706 4.637 12.304-.068 16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">You Have a Regular Income<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3543d686 elementor-widget elementor-widget-text-editor\" data-id=\"3543d686\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If you fit the above criteria, then there is a high likelihood that you will qualify for an IVA. If your individual circumstances are different, for example, you live in Scotland or your debt is slightly lower than \u00a37,000 then enquire with us anyway; we could still help.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-419e7caf e-flex e-con-boxed e-con e-parent\" data-id=\"419e7caf\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-148a0a01 e-con-full e-flex e-con e-child\" data-id=\"148a0a01\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2230a7dd e-con-full e-flex e-con e-child\" data-id=\"2230a7dd\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-70ec3f6b e-con-full e-flex e-con e-child\" data-id=\"70ec3f6b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5fcaaa8d elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"5fcaaa8d\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 10-04-2024 *\/\n.elementor-widget-image-box .elementor-image-box-content{width:100%}@media (min-width:768px){.elementor-widget-image-box.elementor-position-left .elementor-image-box-wrapper,.elementor-widget-image-box.elementor-position-right .elementor-image-box-wrapper{display:flex}.elementor-widget-image-box.elementor-position-right .elementor-image-box-wrapper{text-align:right;flex-direction:row-reverse}.elementor-widget-image-box.elementor-position-left .elementor-image-box-wrapper{text-align:left;flex-direction:row}.elementor-widget-image-box.elementor-position-top .elementor-image-box-img{margin:auto}.elementor-widget-image-box.elementor-vertical-align-top .elementor-image-box-wrapper{align-items:flex-start}.elementor-widget-image-box.elementor-vertical-align-middle .elementor-image-box-wrapper{align-items:center}.elementor-widget-image-box.elementor-vertical-align-bottom .elementor-image-box-wrapper{align-items:flex-end}}@media (max-width:767px){.elementor-widget-image-box .elementor-image-box-img{margin-left:auto!important;margin-right:auto!important;margin-bottom:15px}}.elementor-widget-image-box .elementor-image-box-img{display:inline-block}.elementor-widget-image-box .elementor-image-box-title a{color:inherit}.elementor-widget-image-box .elementor-image-box-wrapper{text-align:center}.elementor-widget-image-box .elementor-image-box-description{margin:0}<\/style><div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/credit-card.png\" class=\"attachment-full size-full wp-image-47\" alt=\"\" srcset=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/credit-card.png 512w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/credit-card-300x300.png 300w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/credit-card-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Credit Cards<\/h3><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-447491b8 e-con-full e-flex e-con e-child\" data-id=\"447491b8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-430eb1cf elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"430eb1cf\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/signing.png\" class=\"attachment-full size-full wp-image-48\" alt=\"\" srcset=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/signing.png 512w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/signing-300x300.png 300w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/signing-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Unsecured Loans<\/h3><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-64793ecd e-con-full e-flex e-con e-child\" data-id=\"64793ecd\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-769c50d9 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"769c50d9\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/credit-cards.png\" class=\"attachment-full size-full wp-image-49\" alt=\"\" srcset=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/credit-cards.png 512w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/credit-cards-300x300.png 300w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/credit-cards-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Store Cards<\/h3><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-50652691 e-con-full e-flex e-con e-child\" data-id=\"50652691\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79479bfc elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"79479bfc\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/bank.png\" class=\"attachment-full size-full wp-image-50\" alt=\"\" srcset=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/bank.png 512w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/bank-300x300.png 300w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/bank-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Overdrafts<\/h3><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-74dfac69 e-con-full e-flex e-con e-child\" data-id=\"74dfac69\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2cc5d65e elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"2cc5d65e\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/loan.png\" class=\"attachment-full size-full wp-image-51\" alt=\"\" srcset=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/loan.png 512w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/loan-300x300.png 300w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/loan-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Personal Loans<\/h3><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-14fd5e2b e-flex e-con-boxed e-con e-child\" data-id=\"14fd5e2b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-db2dc98 e-con-full e-flex e-con e-child\" data-id=\"db2dc98\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68211cc8 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"68211cc8\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/tower.png\" class=\"attachment-full size-full wp-image-52\" alt=\"\" srcset=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/tower.png 512w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/tower-300x300.png 300w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/tower-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Utility Bills<\/h3><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-24292c3 e-con-full e-flex e-con e-child\" data-id=\"24292c3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58de8982 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"58de8982\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/profit.png\" class=\"attachment-full size-full wp-image-53\" alt=\"\" srcset=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/profit.png 512w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/profit-300x300.png 300w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/profit-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Business Debts<\/h3><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5538956d e-con-full e-flex e-con e-child\" data-id=\"5538956d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6686ac9 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"6686ac9\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/catalogue.png\" class=\"attachment-full size-full wp-image-54\" alt=\"\" srcset=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/catalogue.png 512w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/catalogue-300x300.png 300w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/catalogue-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Catalogues<\/h3><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19ed3a19 e-con-full e-flex e-con e-child\" data-id=\"19ed3a19\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29032e07 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"29032e07\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/debt.png\" class=\"attachment-full size-full wp-image-55\" alt=\"\" srcset=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/debt.png 512w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/debt-300x300.png 300w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/debt-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Debt Collectors<\/h3><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-463a1d01 e-con-full e-flex e-con e-child\" data-id=\"463a1d01\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6fb592be elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"6fb592be\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/policeman.png\" class=\"attachment-full size-full wp-image-56\" alt=\"\" srcset=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/policeman.png 512w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/policeman-300x300.png 300w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/policeman-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Bailiffs<\/h3><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e27ae7b e-con-full e-flex e-con e-child\" data-id=\"5e27ae7b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58e2bf4e elementor-widget elementor-widget-text-editor\" data-id=\"58e2bf4e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tThe Different Debt Types We Can <span style=\"color: #048c4d;\">Help<\/span> With\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-112ae366 elementor-widget elementor-widget-text-editor\" data-id=\"112ae366\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Whether it is a Trust Deed, Sequestration or a Debt Arrangement Scheme, only unsecured debt can be included in a debt solution.<\/p><p>Here are some examples of some typical unsecured debts that you may have.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b4078e e-flex e-con-boxed e-con e-parent\" data-id=\"1b4078e\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b6b7c42 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"b6b7c42\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1789 13\"><defs><style>.cls-1{fill:none;stroke:#035928;stroke-linecap:round;stroke-linejoin:round;stroke-width:10px;stroke-dasharray:50 30;}<\/style><\/defs><g id=\"Layer_2\" data-name=\"Layer 2\"><g id=\"Layer_1-2\" data-name=\"Layer 1\"><line class=\"cls-1\" x1=\"5\" y1=\"5\" x2=\"1784\" y2=\"8\"><\/line><\/g><\/g><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f75600 elementor-widget elementor-widget-text-editor\" data-id=\"5f75600\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tAre There Different Types of <span style=\"color: #048C4D;\">IVA (Individual Voluntary Arrangement)<\/span>?\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a168c23 e-flex e-con-boxed e-con e-parent\" data-id=\"a168c23\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f203aad e-con-full e-flex e-con e-child\" data-id=\"f203aad\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9e29b0e elementor-widget elementor-widget-text-editor\" data-id=\"9e29b0e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Self Employed IVAs<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-603c9f0 elementor-widget elementor-widget-text-editor\" data-id=\"603c9f0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>IVAs for the self-employed work in a very similar way to a typical IVA, where an Insolvency Practitioner will arrange and agreement of monthly payments that you can afford. There are, however, a few differences.<\/p><ul><li>Self-Employed IVAs can often be arranged in a way that allows for greater flexibility across a year. This can be good news for businesses that rely on seasonal income. A cash flow statement will need to be produced so the IP can understand your business and what you can afford.<\/li><li>If your business relies on Business Credit to operate during the term of the IVA, then this can be pre-agreed with your creditors. You creditors may have specific criteria that they will require you to follow to maintain the agreement.<\/li><li>A business may need ongoing trade with one of the creditors it has fallen into arrears with. Under these circumstances, certain Trade Creditors may be excluded from the IVA agreement, so as not to affect future business relations.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1edad09 e-con-full e-flex e-con e-child\" data-id=\"1edad09\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c37c1c5 e-con-full e-flex e-con e-child\" data-id=\"c37c1c5\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb1f41c elementor-widget elementor-widget-text-editor\" data-id=\"bb1f41c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Joint IVAs<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-192359d elementor-widget elementor-widget-text-editor\" data-id=\"192359d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Couples with a combination of individual and joint debts can set up individual IVAs which include all their debt however, once these are agreed, they can be administered jointly, allowing the couple to pay one affordable monthly payment.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9e69fa5 e-con-full e-flex e-con e-child\" data-id=\"9e69fa5\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b283e5c elementor-widget elementor-widget-text-editor\" data-id=\"b283e5c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Full and Final IVAs<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-049c7e0 elementor-widget elementor-widget-text-editor\" data-id=\"049c7e0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>This can be a great option for those who want to make a one-off payment to creditors as a final settlement<\/p><p>This can be an appropriate option for those with adequate savings or those who are in the process of receiving sufficient funds due to the sale an asset.<\/p><p>This can also be an option for those with friends or family whoa are prepared to provide the funds to cover the total amount of the IVA.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7c8345fc e-flex e-con-boxed e-con e-parent\" data-id=\"7c8345fc\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-201eb763 e-con-full e-flex e-con e-child\" data-id=\"201eb763\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cefd809 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"cefd809\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1789 13\"><defs><style>.cls-1{fill:none;stroke:#035928;stroke-linecap:round;stroke-linejoin:round;stroke-width:10px;stroke-dasharray:50 30;}<\/style><\/defs><g id=\"Layer_2\" data-name=\"Layer 2\"><g id=\"Layer_1-2\" data-name=\"Layer 1\"><line class=\"cls-1\" x1=\"5\" y1=\"5\" x2=\"1784\" y2=\"8\"><\/line><\/g><\/g><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-227fbaae elementor-widget elementor-widget-text-editor\" data-id=\"227fbaae\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tHow Could An <span style=\"color: #048C4D;\">IVA<\/span> Help You?\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77370ddf elementor-widget elementor-widget-text-editor\" data-id=\"77370ddf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Remember, if you are struggling with debt, you are not alone. Contact us at Apply For An IVA to take the first step towards a debt free life.<\/p><p>This is a real life example of how we have helped one of our customers. Enquire Today.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-521b129 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"521b129\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-xl\" href=\"#Form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Enquire Now<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2538240b e-con-full e-flex e-con e-child\" data-id=\"2538240b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-373fcc2b elementor-widget elementor-widget-image\" data-id=\"373fcc2b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"487\" height=\"730\" src=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/03\/Asset-3.png\" class=\"attachment-large size-large wp-image-111\" alt=\"\" srcset=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/03\/Asset-3.png 487w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/03\/Asset-3-200x300.png 200w\" sizes=\"(max-width: 487px) 100vw, 487px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3987d7d e-flex e-con-boxed e-con e-parent\" data-id=\"3987d7d\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-cd295c4 e-con-full e-flex e-con e-child\" data-id=\"cd295c4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e162d7 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"4e162d7\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1789 13\"><defs><style>.cls-1{fill:none;stroke:#035928;stroke-linecap:round;stroke-linejoin:round;stroke-width:10px;stroke-dasharray:50 30;}<\/style><\/defs><g id=\"Layer_2\" data-name=\"Layer 2\"><g id=\"Layer_1-2\" data-name=\"Layer 1\"><line class=\"cls-1\" x1=\"5\" y1=\"5\" x2=\"1784\" y2=\"8\"><\/line><\/g><\/g><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8afb581 elementor-widget elementor-widget-text-editor\" data-id=\"8afb581\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"color: #048c4d;\">IVA <\/span>Application<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69f1c01 elementor-widget elementor-widget-text-editor\" data-id=\"69f1c01\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>We strive to ensure that when you apply for an IVA, it is as pain and fuss free as possible. Take a look at how an IVA application works.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c5fe9e2 e-con-full e-flex e-con e-child\" data-id=\"c5fe9e2\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d748c65 e-con-full e-flex e-con e-child\" data-id=\"d748c65\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-08a8568 elementor-widget elementor-widget-heading\" data-id=\"08a8568\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1.<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-baa40c3 e-con-full e-flex e-con e-child\" data-id=\"baa40c3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ecb2cb3 elementor-widget elementor-widget-heading\" data-id=\"ecb2cb3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Speak To An Advisor<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-181e4f7 elementor-widget elementor-widget-text-editor\" data-id=\"181e4f7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Signing up to a debt solution is a significant event in your life, so it is important to gather as much information as possible, so you can make an informed decision as applying for an IVA is not your only option.<\/p><p>While researching your options before you register or sign up, you may find our articles on IVAs and how they work.<\/p><p>Once you feel ready, fill in our form and a member of our IVA team will contact you.<\/p><p>Our experienced advisors will be able to guide you through your options discovering which one best applies to you, ensuring that, even if we cannot help you ourselves, we can point you in the right direction of help appropriate to your personal circumstances.<\/p><p>In order to determine which course of action is right for you, we will discuss your debt. This will involve how many debts your have, who you owe money to and how much you owe to each business. If you are not sure about the details of your debt then we could always run a credit check for you.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-678c266 e-con-full e-flex e-con e-child\" data-id=\"678c266\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a24bded e-con-full e-flex e-con e-child\" data-id=\"a24bded\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8a8ef29 elementor-widget elementor-widget-heading\" data-id=\"8a8ef29\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2.<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d123ebf e-con-full e-flex e-con e-child\" data-id=\"d123ebf\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de09510 elementor-widget elementor-widget-heading\" data-id=\"de09510\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Send In Your Documents<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c397b79 elementor-widget elementor-widget-text-editor\" data-id=\"c397b79\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>During the IVA application process, there are several documents that we will request.<\/p><p>We will ask you to provide:<\/p><ul><li>Photo ID<\/li><li>Rent Agreement or Mortgage Statement<\/li><li>Latest 3 Months of wage slips<\/li><li>Latest 3 months of bank statements<\/li><li>Council Tax and Utility bills<\/li><li>HP agreement if appropriate<\/li><li>Recent statements from any other creditors you may have.<\/li><\/ul><p>\u00a0<\/p><p>Which information you are asked for will largely depend on your personal circumstances and as such, the above list is to be used purely as a guide.<\/p><p>There will also be a discussion regarding your other living expenses and how you spend your money, such as food bills and travel expenses. This allows your advisor to determine your affordability, ensuring you don\u2019t sign up to an IVA that isn\u2019t appropriate for you, it is important that the rules and regulations are met. It would not be great to learn at a later date that an IVA solution for your debts and finances wasn\u2019t the best option.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f42be6e e-con-full e-flex e-con e-child\" data-id=\"f42be6e\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a415a42 e-con-full e-flex e-con e-child\" data-id=\"a415a42\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-687ce87 elementor-widget elementor-widget-heading\" data-id=\"687ce87\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3.<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d090583 e-con-full e-flex e-con e-child\" data-id=\"d090583\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-380c150 elementor-widget elementor-widget-heading\" data-id=\"380c150\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">IVA Drafter<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2fa6e9 elementor-widget elementor-widget-text-editor\" data-id=\"a2fa6e9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Once all of the information has been gathered, your IVA advisor will book you in for a <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.icaew.com\/regulation\/insolvency\/sips-regulations-and-guidance\/statements-of-insolvency-practice\/statements-of-insolvency-practice-sips-england#:~:text=Statements%20of%20Insolvency%20Practice%20(SIPs)%20%2D%20England%20%26%20Wales,particular%20aspects%20of%20insolvency%20practice.\" rel=\"nofollow \">SIP (Statement of Insolvency Practice)<\/a><\/span>. This is a mandatory legal procedure that all debt management companies MUST follow and must be recorded. It exists to ensure that you and your debt are handled in accordance with the law and that all compliance standards have been met. This procedure reconfirms that the IVA is in your best interests and that you have been made aware of any alternative solutions.\u00a0<\/p><p>Once the SIP has been completed, your Drafter will then \u2018draft\u2019 your IVA. This means that they will raise the legal documentation.<\/p><p>The Drafter will check through the information you have provided and will ensure that everything is in order to successfully proceed with your proposal, including making sure that all evidence of your circumstances are available should your creditors request more details. You will then be sent a copy of your proposal to sign.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9a27316 e-con-full e-flex e-con e-child\" data-id=\"9a27316\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-854d6f8 e-con-full e-flex e-con e-child\" data-id=\"854d6f8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5aebb88 elementor-widget elementor-widget-heading\" data-id=\"5aebb88\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4.<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-09319ba e-con-full e-flex e-con e-child\" data-id=\"09319ba\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e949017 elementor-widget elementor-widget-heading\" data-id=\"e949017\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Meeting of Creditors (MOC)<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32ef95a elementor-widget elementor-widget-text-editor\" data-id=\"32ef95a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The Meeting of Creditors (MOC) is the process by which your creditors vote in favour of, or against your IVA proposal.<\/p><p>It isn\u2019t an actual meeting, but instead refers to a period of time in which your creditors can to respond to the proposal. All of the creditors included in the IVA are entitled to vote, however they do not have to.<\/p><p>In fact, some creditors will have a policy of either automatically accepting or rejecting an IVA, considering each case individually or a policy of never voting at all. Rest assured though, that all debt management companies have a high degree of awareness as to how each creditor behaves and it is highly unlikely that your application would get this far unless they were confident that you would succeed.<\/p><p>Here are the rules for MOC in a little more detail:<\/p><p>On applying for an IVA, your debt will be analysed to see who your creditors are and how they typically vote. A successful application must have the following:<\/p><ul><li>A minimum of one positive vote, therefore at least one of your creditors must either have a policy of voting positively or to at least consider IVAs and then go on to vote for your IVA.<\/li><li>75% of the &#8216;voting creditors&#8217; must vote positively, or the positive voters must represent 75% of the total voting debt amount.<\/li><\/ul><p>\u00a0<\/p><p>This basically means that when deciding whether you qualify for an IVA, only the creditors that vote affect your outcome. You could owe a total of \u00a350,000 across 10 creditors, but if only one votes at all and they vote positively even if you only owe them a small amount, then the IVA would go through and the other creditors would be legally obliged to follow it.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-174aaa6 e-con-full e-flex e-con e-child\" data-id=\"174aaa6\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-59c0463 e-con-full e-flex e-con e-child\" data-id=\"59c0463\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51247e3 elementor-widget elementor-widget-heading\" data-id=\"51247e3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5.<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3c9bba6 e-con-full e-flex e-con e-child\" data-id=\"3c9bba6\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe74572 elementor-widget elementor-widget-heading\" data-id=\"fe74572\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A Successful Application<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-854e648 elementor-widget elementor-widget-text-editor\" data-id=\"854e648\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If your application is successful, then you will be passed over to an IVA Supervisor who will take your card details in order to set up a recurring card payment. This is the typical method for making your monthly payment towards your IVA.<\/p><p>After this, you will be contacted each year of your 5 or 6 year IVA period to discuss how things are going and to make any adjustments to the IVA should your circumstances have changed.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-96f2b6f e-flex e-con-boxed e-con e-parent\" data-id=\"96f2b6f\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-726cd85 e-flex e-con-boxed e-con e-child\" data-id=\"726cd85\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35a0a85 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"35a0a85\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1789 13\"><defs><style>.cls-1{fill:none;stroke:#035928;stroke-linecap:round;stroke-linejoin:round;stroke-width:10px;stroke-dasharray:50 30;}<\/style><\/defs><g id=\"Layer_2\" data-name=\"Layer 2\"><g id=\"Layer_1-2\" data-name=\"Layer 1\"><line class=\"cls-1\" x1=\"5\" y1=\"5\" x2=\"1784\" y2=\"8\"><\/line><\/g><\/g><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5844886 elementor-widget elementor-widget-text-editor\" data-id=\"5844886\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>What Are The <span style=\"color: #048c4d;\">Pros and Cons<\/span>\u00a0Of An IVA?<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e240261 e-con-full e-flex e-con e-child\" data-id=\"e240261\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1544b32 e-con-full e-flex e-con e-child\" data-id=\"1544b32\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b8a85db elementor-widget elementor-widget-heading\" data-id=\"b8a85db\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pros<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97cf037 elementor-widget elementor-widget-accordion\" data-id=\"97cf037\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 10-04-2024 *\/\n.elementor-accordion{text-align:left}.elementor-accordion .elementor-accordion-item{border:1px solid #d5d8dc}.elementor-accordion .elementor-accordion-item+.elementor-accordion-item{border-top:none}.elementor-accordion .elementor-tab-title{margin:0;padding:15px 20px;font-weight:700;line-height:1;cursor:pointer;outline:none}.elementor-accordion .elementor-tab-title .elementor-accordion-icon{display:inline-block;width:1.5em}.elementor-accordion .elementor-tab-title .elementor-accordion-icon svg{width:1em;height:1em}.elementor-accordion .elementor-tab-title .elementor-accordion-icon.elementor-accordion-icon-right{float:right;text-align:right}.elementor-accordion .elementor-tab-title .elementor-accordion-icon.elementor-accordion-icon-left{float:left;text-align:left}.elementor-accordion .elementor-tab-title .elementor-accordion-icon .elementor-accordion-icon-closed{display:block}.elementor-accordion .elementor-tab-title .elementor-accordion-icon .elementor-accordion-icon-opened,.elementor-accordion .elementor-tab-title.elementor-active .elementor-accordion-icon-closed{display:none}.elementor-accordion .elementor-tab-title.elementor-active .elementor-accordion-icon-opened{display:block}.elementor-accordion .elementor-tab-content{display:none;padding:15px 20px;border-top:1px solid #d5d8dc}@media (max-width:767px){.elementor-accordion .elementor-tab-title{padding:12px 15px}.elementor-accordion .elementor-tab-title .elementor-accordion-icon{width:1.2em}.elementor-accordion .elementor-tab-content{padding:7px 15px}}.e-con-inner>.elementor-widget-accordion,.e-con>.elementor-widget-accordion{width:var(--container-widget-width);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1591\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1591\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 224H24c-13.255 0-24 10.745-24 24v240c0 13.255 10.745 24 24 24h80c13.255 0 24-10.745 24-24V248c0-13.255-10.745-24-24-24zM64 472c-13.255 0-24-10.745-24-24s10.745-24 24-24 24 10.745 24 24-10.745 24-24 24zM384 81.452c0 42.416-25.97 66.208-33.277 94.548h101.723c33.397 0 59.397 27.746 59.553 58.098.084 17.938-7.546 37.249-19.439 49.197l-.11.11c9.836 23.337 8.237 56.037-9.308 79.469 8.681 25.895-.069 57.704-16.382 74.757 4.298 17.598 2.244 32.575-6.148 44.632C440.202 511.587 389.616 512 346.839 512l-2.845-.001c-48.287-.017-87.806-17.598-119.56-31.725-15.957-7.099-36.821-15.887-52.651-16.178-6.54-.12-11.783-5.457-11.783-11.998v-213.77c0-3.2 1.282-6.271 3.558-8.521 39.614-39.144 56.648-80.587 89.117-113.111 14.804-14.832 20.188-37.236 25.393-58.902C282.515 39.293 291.817 0 312 0c24 0 72 8 72 81.452z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-far-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.27 286.69C475.04 271.84 480 256 480 236.85c0-44.015-37.218-85.58-85.82-85.58H357.7c4.92-12.81 8.85-28.13 8.85-46.54C366.55 31.936 328.86 0 271.28 0c-61.607 0-58.093 94.933-71.76 108.6-22.747 22.747-49.615 66.447-68.76 83.4H32c-17.673 0-32 14.327-32 32v240c0 17.673 14.327 32 32 32h64c14.893 0 27.408-10.174 30.978-23.95 44.509 1.001 75.06 39.94 177.802 39.94 7.22 0 15.22.01 22.22.01 77.117 0 111.986-39.423 112.94-95.33 13.319-18.425 20.299-43.122 17.34-66.99 9.854-18.452 13.664-40.343 8.99-62.99zm-61.75 53.83c12.56 21.13 1.26 49.41-13.94 57.57 7.7 48.78-17.608 65.9-53.12 65.9h-37.82c-71.639 0-118.029-37.82-171.64-37.82V240h10.92c28.36 0 67.98-70.89 94.54-97.46 28.36-28.36 18.91-75.63 37.82-94.54 47.27 0 47.27 32.98 47.27 56.73 0 39.17-28.36 56.72-28.36 94.54h103.99c21.11 0 37.73 18.91 37.82 37.82.09 18.9-12.82 37.81-22.27 37.81 13.489 14.555 16.371 45.236-5.21 65.62zM88 432c0 13.255-10.745 24-24 24s-24-10.745-24-24 10.745-24 24-24 24 10.745 24 24z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">There will be no upfront or surprise fees<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1591\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1591\"><p>During the application process, you will be given a copy of your agreement, clearly stating your fees.\u00a0All\u00a0fees are covered by the monthly payment you make, so you will never be asked to pay anything up front or at the end of the IVA period.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1592\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1592\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 224H24c-13.255 0-24 10.745-24 24v240c0 13.255 10.745 24 24 24h80c13.255 0 24-10.745 24-24V248c0-13.255-10.745-24-24-24zM64 472c-13.255 0-24-10.745-24-24s10.745-24 24-24 24 10.745 24 24-10.745 24-24 24zM384 81.452c0 42.416-25.97 66.208-33.277 94.548h101.723c33.397 0 59.397 27.746 59.553 58.098.084 17.938-7.546 37.249-19.439 49.197l-.11.11c9.836 23.337 8.237 56.037-9.308 79.469 8.681 25.895-.069 57.704-16.382 74.757 4.298 17.598 2.244 32.575-6.148 44.632C440.202 511.587 389.616 512 346.839 512l-2.845-.001c-48.287-.017-87.806-17.598-119.56-31.725-15.957-7.099-36.821-15.887-52.651-16.178-6.54-.12-11.783-5.457-11.783-11.998v-213.77c0-3.2 1.282-6.271 3.558-8.521 39.614-39.144 56.648-80.587 89.117-113.111 14.804-14.832 20.188-37.236 25.393-58.902C282.515 39.293 291.817 0 312 0c24 0 72 8 72 81.452z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-far-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.27 286.69C475.04 271.84 480 256 480 236.85c0-44.015-37.218-85.58-85.82-85.58H357.7c4.92-12.81 8.85-28.13 8.85-46.54C366.55 31.936 328.86 0 271.28 0c-61.607 0-58.093 94.933-71.76 108.6-22.747 22.747-49.615 66.447-68.76 83.4H32c-17.673 0-32 14.327-32 32v240c0 17.673 14.327 32 32 32h64c14.893 0 27.408-10.174 30.978-23.95 44.509 1.001 75.06 39.94 177.802 39.94 7.22 0 15.22.01 22.22.01 77.117 0 111.986-39.423 112.94-95.33 13.319-18.425 20.299-43.122 17.34-66.99 9.854-18.452 13.664-40.343 8.99-62.99zm-61.75 53.83c12.56 21.13 1.26 49.41-13.94 57.57 7.7 48.78-17.608 65.9-53.12 65.9h-37.82c-71.639 0-118.029-37.82-171.64-37.82V240h10.92c28.36 0 67.98-70.89 94.54-97.46 28.36-28.36 18.91-75.63 37.82-94.54 47.27 0 47.27 32.98 47.27 56.73 0 39.17-28.36 56.72-28.36 94.54h103.99c21.11 0 37.73 18.91 37.82 37.82.09 18.9-12.82 37.81-22.27 37.81 13.489 14.555 16.371 45.236-5.21 65.62zM88 432c0 13.255-10.745 24-24 24s-24-10.745-24-24 10.745-24 24-24 24 10.745 24 24z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Your unsecured creditors will no longer be able to contact you or take any action against you<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1592\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1592\"><p>By agreeing to your IVA, your creditors are also agreeing to cease any action they may be taking against you, leaving you in peace.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1593\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1593\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 224H24c-13.255 0-24 10.745-24 24v240c0 13.255 10.745 24 24 24h80c13.255 0 24-10.745 24-24V248c0-13.255-10.745-24-24-24zM64 472c-13.255 0-24-10.745-24-24s10.745-24 24-24 24 10.745 24 24-10.745 24-24 24zM384 81.452c0 42.416-25.97 66.208-33.277 94.548h101.723c33.397 0 59.397 27.746 59.553 58.098.084 17.938-7.546 37.249-19.439 49.197l-.11.11c9.836 23.337 8.237 56.037-9.308 79.469 8.681 25.895-.069 57.704-16.382 74.757 4.298 17.598 2.244 32.575-6.148 44.632C440.202 511.587 389.616 512 346.839 512l-2.845-.001c-48.287-.017-87.806-17.598-119.56-31.725-15.957-7.099-36.821-15.887-52.651-16.178-6.54-.12-11.783-5.457-11.783-11.998v-213.77c0-3.2 1.282-6.271 3.558-8.521 39.614-39.144 56.648-80.587 89.117-113.111 14.804-14.832 20.188-37.236 25.393-58.902C282.515 39.293 291.817 0 312 0c24 0 72 8 72 81.452z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-far-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.27 286.69C475.04 271.84 480 256 480 236.85c0-44.015-37.218-85.58-85.82-85.58H357.7c4.92-12.81 8.85-28.13 8.85-46.54C366.55 31.936 328.86 0 271.28 0c-61.607 0-58.093 94.933-71.76 108.6-22.747 22.747-49.615 66.447-68.76 83.4H32c-17.673 0-32 14.327-32 32v240c0 17.673 14.327 32 32 32h64c14.893 0 27.408-10.174 30.978-23.95 44.509 1.001 75.06 39.94 177.802 39.94 7.22 0 15.22.01 22.22.01 77.117 0 111.986-39.423 112.94-95.33 13.319-18.425 20.299-43.122 17.34-66.99 9.854-18.452 13.664-40.343 8.99-62.99zm-61.75 53.83c12.56 21.13 1.26 49.41-13.94 57.57 7.7 48.78-17.608 65.9-53.12 65.9h-37.82c-71.639 0-118.029-37.82-171.64-37.82V240h10.92c28.36 0 67.98-70.89 94.54-97.46 28.36-28.36 18.91-75.63 37.82-94.54 47.27 0 47.27 32.98 47.27 56.73 0 39.17-28.36 56.72-28.36 94.54h103.99c21.11 0 37.73 18.91 37.82 37.82.09 18.9-12.82 37.81-22.27 37.81 13.489 14.555 16.371 45.236-5.21 65.62zM88 432c0 13.255-10.745 24-24 24s-24-10.745-24-24 10.745-24 24-24 24 10.745 24 24z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Once the IVA is agreed, creditors who voted against it are still bound by it<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1593\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1593\"><p>Your creditors will literally vote for or against your IVA proposal. If the majority say yes, then the rest of your creditors are legally bound to follow.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1594\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1594\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 224H24c-13.255 0-24 10.745-24 24v240c0 13.255 10.745 24 24 24h80c13.255 0 24-10.745 24-24V248c0-13.255-10.745-24-24-24zM64 472c-13.255 0-24-10.745-24-24s10.745-24 24-24 24 10.745 24 24-10.745 24-24 24zM384 81.452c0 42.416-25.97 66.208-33.277 94.548h101.723c33.397 0 59.397 27.746 59.553 58.098.084 17.938-7.546 37.249-19.439 49.197l-.11.11c9.836 23.337 8.237 56.037-9.308 79.469 8.681 25.895-.069 57.704-16.382 74.757 4.298 17.598 2.244 32.575-6.148 44.632C440.202 511.587 389.616 512 346.839 512l-2.845-.001c-48.287-.017-87.806-17.598-119.56-31.725-15.957-7.099-36.821-15.887-52.651-16.178-6.54-.12-11.783-5.457-11.783-11.998v-213.77c0-3.2 1.282-6.271 3.558-8.521 39.614-39.144 56.648-80.587 89.117-113.111 14.804-14.832 20.188-37.236 25.393-58.902C282.515 39.293 291.817 0 312 0c24 0 72 8 72 81.452z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-far-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.27 286.69C475.04 271.84 480 256 480 236.85c0-44.015-37.218-85.58-85.82-85.58H357.7c4.92-12.81 8.85-28.13 8.85-46.54C366.55 31.936 328.86 0 271.28 0c-61.607 0-58.093 94.933-71.76 108.6-22.747 22.747-49.615 66.447-68.76 83.4H32c-17.673 0-32 14.327-32 32v240c0 17.673 14.327 32 32 32h64c14.893 0 27.408-10.174 30.978-23.95 44.509 1.001 75.06 39.94 177.802 39.94 7.22 0 15.22.01 22.22.01 77.117 0 111.986-39.423 112.94-95.33 13.319-18.425 20.299-43.122 17.34-66.99 9.854-18.452 13.664-40.343 8.99-62.99zm-61.75 53.83c12.56 21.13 1.26 49.41-13.94 57.57 7.7 48.78-17.608 65.9-53.12 65.9h-37.82c-71.639 0-118.029-37.82-171.64-37.82V240h10.92c28.36 0 67.98-70.89 94.54-97.46 28.36-28.36 18.91-75.63 37.82-94.54 47.27 0 47.27 32.98 47.27 56.73 0 39.17-28.36 56.72-28.36 94.54h103.99c21.11 0 37.73 18.91 37.82 37.82.09 18.9-12.82 37.81-22.27 37.81 13.489 14.555 16.371 45.236-5.21 65.62zM88 432c0 13.255-10.745 24-24 24s-24-10.745-24-24 10.745-24 24-24 24 10.745 24 24z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">All charges and interest relating to the debt is frozen<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1594\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1594\"><p>While your IVA live, your creditors can not add any fees or interest to the balance. However, it is worth noting, that should your IVA fail, perhaps as a result of you not keeping up with repayments, then charges and interest can be applied from that point forward.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1595\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1595\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 224H24c-13.255 0-24 10.745-24 24v240c0 13.255 10.745 24 24 24h80c13.255 0 24-10.745 24-24V248c0-13.255-10.745-24-24-24zM64 472c-13.255 0-24-10.745-24-24s10.745-24 24-24 24 10.745 24 24-10.745 24-24 24zM384 81.452c0 42.416-25.97 66.208-33.277 94.548h101.723c33.397 0 59.397 27.746 59.553 58.098.084 17.938-7.546 37.249-19.439 49.197l-.11.11c9.836 23.337 8.237 56.037-9.308 79.469 8.681 25.895-.069 57.704-16.382 74.757 4.298 17.598 2.244 32.575-6.148 44.632C440.202 511.587 389.616 512 346.839 512l-2.845-.001c-48.287-.017-87.806-17.598-119.56-31.725-15.957-7.099-36.821-15.887-52.651-16.178-6.54-.12-11.783-5.457-11.783-11.998v-213.77c0-3.2 1.282-6.271 3.558-8.521 39.614-39.144 56.648-80.587 89.117-113.111 14.804-14.832 20.188-37.236 25.393-58.902C282.515 39.293 291.817 0 312 0c24 0 72 8 72 81.452z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-far-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.27 286.69C475.04 271.84 480 256 480 236.85c0-44.015-37.218-85.58-85.82-85.58H357.7c4.92-12.81 8.85-28.13 8.85-46.54C366.55 31.936 328.86 0 271.28 0c-61.607 0-58.093 94.933-71.76 108.6-22.747 22.747-49.615 66.447-68.76 83.4H32c-17.673 0-32 14.327-32 32v240c0 17.673 14.327 32 32 32h64c14.893 0 27.408-10.174 30.978-23.95 44.509 1.001 75.06 39.94 177.802 39.94 7.22 0 15.22.01 22.22.01 77.117 0 111.986-39.423 112.94-95.33 13.319-18.425 20.299-43.122 17.34-66.99 9.854-18.452 13.664-40.343 8.99-62.99zm-61.75 53.83c12.56 21.13 1.26 49.41-13.94 57.57 7.7 48.78-17.608 65.9-53.12 65.9h-37.82c-71.639 0-118.029-37.82-171.64-37.82V240h10.92c28.36 0 67.98-70.89 94.54-97.46 28.36-28.36 18.91-75.63 37.82-94.54 47.27 0 47.27 32.98 47.27 56.73 0 39.17-28.36 56.72-28.36 94.54h103.99c21.11 0 37.73 18.91 37.82 37.82.09 18.9-12.82 37.81-22.27 37.81 13.489 14.555 16.371 45.236-5.21 65.62zM88 432c0 13.255-10.745 24-24 24s-24-10.745-24-24 10.745-24 24-24 24 10.745 24 24z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">You will make one single affordable payment each month<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1595\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1595\"><p>As part of the application process, your Insolvency Practitioner will judge how much you can afford a month towards your debt. You will have the opportunity to discuss all of your incomings and outgoings so we can find the best solution for you.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1596\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1596\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 224H24c-13.255 0-24 10.745-24 24v240c0 13.255 10.745 24 24 24h80c13.255 0 24-10.745 24-24V248c0-13.255-10.745-24-24-24zM64 472c-13.255 0-24-10.745-24-24s10.745-24 24-24 24 10.745 24 24-10.745 24-24 24zM384 81.452c0 42.416-25.97 66.208-33.277 94.548h101.723c33.397 0 59.397 27.746 59.553 58.098.084 17.938-7.546 37.249-19.439 49.197l-.11.11c9.836 23.337 8.237 56.037-9.308 79.469 8.681 25.895-.069 57.704-16.382 74.757 4.298 17.598 2.244 32.575-6.148 44.632C440.202 511.587 389.616 512 346.839 512l-2.845-.001c-48.287-.017-87.806-17.598-119.56-31.725-15.957-7.099-36.821-15.887-52.651-16.178-6.54-.12-11.783-5.457-11.783-11.998v-213.77c0-3.2 1.282-6.271 3.558-8.521 39.614-39.144 56.648-80.587 89.117-113.111 14.804-14.832 20.188-37.236 25.393-58.902C282.515 39.293 291.817 0 312 0c24 0 72 8 72 81.452z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-far-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.27 286.69C475.04 271.84 480 256 480 236.85c0-44.015-37.218-85.58-85.82-85.58H357.7c4.92-12.81 8.85-28.13 8.85-46.54C366.55 31.936 328.86 0 271.28 0c-61.607 0-58.093 94.933-71.76 108.6-22.747 22.747-49.615 66.447-68.76 83.4H32c-17.673 0-32 14.327-32 32v240c0 17.673 14.327 32 32 32h64c14.893 0 27.408-10.174 30.978-23.95 44.509 1.001 75.06 39.94 177.802 39.94 7.22 0 15.22.01 22.22.01 77.117 0 111.986-39.423 112.94-95.33 13.319-18.425 20.299-43.122 17.34-66.99 9.854-18.452 13.664-40.343 8.99-62.99zm-61.75 53.83c12.56 21.13 1.26 49.41-13.94 57.57 7.7 48.78-17.608 65.9-53.12 65.9h-37.82c-71.639 0-118.029-37.82-171.64-37.82V240h10.92c28.36 0 67.98-70.89 94.54-97.46 28.36-28.36 18.91-75.63 37.82-94.54 47.27 0 47.27 32.98 47.27 56.73 0 39.17-28.36 56.72-28.36 94.54h103.99c21.11 0 37.73 18.91 37.82 37.82.09 18.9-12.82 37.81-22.27 37.81 13.489 14.555 16.371 45.236-5.21 65.62zM88 432c0 13.255-10.745 24-24 24s-24-10.745-24-24 10.745-24 24-24 24 10.745 24 24z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">If your financial situation changes you could be eligible for a payment holiday or for the terms of the IVA to be adjusted<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1596\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1596\"><p>If you circumstances change for the worse, then as long as you are honest and open about this, you may be able to take advantage of some payment holidays, or to have the IVA adjusted.<\/p><p>\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1597\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1597\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 224H24c-13.255 0-24 10.745-24 24v240c0 13.255 10.745 24 24 24h80c13.255 0 24-10.745 24-24V248c0-13.255-10.745-24-24-24zM64 472c-13.255 0-24-10.745-24-24s10.745-24 24-24 24 10.745 24 24-10.745 24-24 24zM384 81.452c0 42.416-25.97 66.208-33.277 94.548h101.723c33.397 0 59.397 27.746 59.553 58.098.084 17.938-7.546 37.249-19.439 49.197l-.11.11c9.836 23.337 8.237 56.037-9.308 79.469 8.681 25.895-.069 57.704-16.382 74.757 4.298 17.598 2.244 32.575-6.148 44.632C440.202 511.587 389.616 512 346.839 512l-2.845-.001c-48.287-.017-87.806-17.598-119.56-31.725-15.957-7.099-36.821-15.887-52.651-16.178-6.54-.12-11.783-5.457-11.783-11.998v-213.77c0-3.2 1.282-6.271 3.558-8.521 39.614-39.144 56.648-80.587 89.117-113.111 14.804-14.832 20.188-37.236 25.393-58.902C282.515 39.293 291.817 0 312 0c24 0 72 8 72 81.452z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-far-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.27 286.69C475.04 271.84 480 256 480 236.85c0-44.015-37.218-85.58-85.82-85.58H357.7c4.92-12.81 8.85-28.13 8.85-46.54C366.55 31.936 328.86 0 271.28 0c-61.607 0-58.093 94.933-71.76 108.6-22.747 22.747-49.615 66.447-68.76 83.4H32c-17.673 0-32 14.327-32 32v240c0 17.673 14.327 32 32 32h64c14.893 0 27.408-10.174 30.978-23.95 44.509 1.001 75.06 39.94 177.802 39.94 7.22 0 15.22.01 22.22.01 77.117 0 111.986-39.423 112.94-95.33 13.319-18.425 20.299-43.122 17.34-66.99 9.854-18.452 13.664-40.343 8.99-62.99zm-61.75 53.83c12.56 21.13 1.26 49.41-13.94 57.57 7.7 48.78-17.608 65.9-53.12 65.9h-37.82c-71.639 0-118.029-37.82-171.64-37.82V240h10.92c28.36 0 67.98-70.89 94.54-97.46 28.36-28.36 18.91-75.63 37.82-94.54 47.27 0 47.27 32.98 47.27 56.73 0 39.17-28.36 56.72-28.36 94.54h103.99c21.11 0 37.73 18.91 37.82 37.82.09 18.9-12.82 37.81-22.27 37.81 13.489 14.555 16.371 45.236-5.21 65.62zM88 432c0 13.255-10.745 24-24 24s-24-10.745-24-24 10.745-24 24-24 24 10.745 24 24z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">At the end of the IVA, all remaining debt will be written off<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1597\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1597\"><p>Once your IVA period has ended, any debts that were agreed in the IVA at the beginning that still have an outstanding balance, will be written off.<\/p><p>\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1598\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-1598\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 224H24c-13.255 0-24 10.745-24 24v240c0 13.255 10.745 24 24 24h80c13.255 0 24-10.745 24-24V248c0-13.255-10.745-24-24-24zM64 472c-13.255 0-24-10.745-24-24s10.745-24 24-24 24 10.745 24 24-10.745 24-24 24zM384 81.452c0 42.416-25.97 66.208-33.277 94.548h101.723c33.397 0 59.397 27.746 59.553 58.098.084 17.938-7.546 37.249-19.439 49.197l-.11.11c9.836 23.337 8.237 56.037-9.308 79.469 8.681 25.895-.069 57.704-16.382 74.757 4.298 17.598 2.244 32.575-6.148 44.632C440.202 511.587 389.616 512 346.839 512l-2.845-.001c-48.287-.017-87.806-17.598-119.56-31.725-15.957-7.099-36.821-15.887-52.651-16.178-6.54-.12-11.783-5.457-11.783-11.998v-213.77c0-3.2 1.282-6.271 3.558-8.521 39.614-39.144 56.648-80.587 89.117-113.111 14.804-14.832 20.188-37.236 25.393-58.902C282.515 39.293 291.817 0 312 0c24 0 72 8 72 81.452z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-far-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.27 286.69C475.04 271.84 480 256 480 236.85c0-44.015-37.218-85.58-85.82-85.58H357.7c4.92-12.81 8.85-28.13 8.85-46.54C366.55 31.936 328.86 0 271.28 0c-61.607 0-58.093 94.933-71.76 108.6-22.747 22.747-49.615 66.447-68.76 83.4H32c-17.673 0-32 14.327-32 32v240c0 17.673 14.327 32 32 32h64c14.893 0 27.408-10.174 30.978-23.95 44.509 1.001 75.06 39.94 177.802 39.94 7.22 0 15.22.01 22.22.01 77.117 0 111.986-39.423 112.94-95.33 13.319-18.425 20.299-43.122 17.34-66.99 9.854-18.452 13.664-40.343 8.99-62.99zm-61.75 53.83c12.56 21.13 1.26 49.41-13.94 57.57 7.7 48.78-17.608 65.9-53.12 65.9h-37.82c-71.639 0-118.029-37.82-171.64-37.82V240h10.92c28.36 0 67.98-70.89 94.54-97.46 28.36-28.36 18.91-75.63 37.82-94.54 47.27 0 47.27 32.98 47.27 56.73 0 39.17-28.36 56.72-28.36 94.54h103.99c21.11 0 37.73 18.91 37.82 37.82.09 18.9-12.82 37.81-22.27 37.81 13.489 14.555 16.371 45.236-5.21 65.62zM88 432c0 13.255-10.745 24-24 24s-24-10.745-24-24 10.745-24 24-24 24 10.745 24 24z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Your home will not be at risk as a result of the IVA<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1598\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-1598\"><p>An IVA should not put your home at risk. If you have a mortgage then this will not be able to be included in an IVA, so as long as you can keep up with your repayments as normal, your home is safe.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-49270b4 e-con-full e-flex e-con e-child\" data-id=\"49270b4\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-609ae32 elementor-widget elementor-widget-heading\" data-id=\"609ae32\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cons<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7f171b elementor-widget elementor-widget-accordion\" data-id=\"f7f171b\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2591\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2591\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 224H24c-13.255 0-24 10.745-24 24v240c0 13.255 10.745 24 24 24h80c13.255 0 24-10.745 24-24V248c0-13.255-10.745-24-24-24zM64 472c-13.255 0-24-10.745-24-24s10.745-24 24-24 24 10.745 24 24-10.745 24-24 24zM384 81.452c0 42.416-25.97 66.208-33.277 94.548h101.723c33.397 0 59.397 27.746 59.553 58.098.084 17.938-7.546 37.249-19.439 49.197l-.11.11c9.836 23.337 8.237 56.037-9.308 79.469 8.681 25.895-.069 57.704-16.382 74.757 4.298 17.598 2.244 32.575-6.148 44.632C440.202 511.587 389.616 512 346.839 512l-2.845-.001c-48.287-.017-87.806-17.598-119.56-31.725-15.957-7.099-36.821-15.887-52.651-16.178-6.54-.12-11.783-5.457-11.783-11.998v-213.77c0-3.2 1.282-6.271 3.558-8.521 39.614-39.144 56.648-80.587 89.117-113.111 14.804-14.832 20.188-37.236 25.393-58.902C282.515 39.293 291.817 0 312 0c24 0 72 8 72 81.452z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-far-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.27 286.69C475.04 271.84 480 256 480 236.85c0-44.015-37.218-85.58-85.82-85.58H357.7c4.92-12.81 8.85-28.13 8.85-46.54C366.55 31.936 328.86 0 271.28 0c-61.607 0-58.093 94.933-71.76 108.6-22.747 22.747-49.615 66.447-68.76 83.4H32c-17.673 0-32 14.327-32 32v240c0 17.673 14.327 32 32 32h64c14.893 0 27.408-10.174 30.978-23.95 44.509 1.001 75.06 39.94 177.802 39.94 7.22 0 15.22.01 22.22.01 77.117 0 111.986-39.423 112.94-95.33 13.319-18.425 20.299-43.122 17.34-66.99 9.854-18.452 13.664-40.343 8.99-62.99zm-61.75 53.83c12.56 21.13 1.26 49.41-13.94 57.57 7.7 48.78-17.608 65.9-53.12 65.9h-37.82c-71.639 0-118.029-37.82-171.64-37.82V240h10.92c28.36 0 67.98-70.89 94.54-97.46 28.36-28.36 18.91-75.63 37.82-94.54 47.27 0 47.27 32.98 47.27 56.73 0 39.17-28.36 56.72-28.36 94.54h103.99c21.11 0 37.73 18.91 37.82 37.82.09 18.9-12.82 37.81-22.27 37.81 13.489 14.555 16.371 45.236-5.21 65.62zM88 432c0 13.255-10.745 24-24 24s-24-10.745-24-24 10.745-24 24-24 24 10.745 24 24z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Only certain debt can be included in an IVA<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2591\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2591\"><p>Your Insolvency Practitioner will only be able to include unsecured debt into the agreement.\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2592\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2592\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 224H24c-13.255 0-24 10.745-24 24v240c0 13.255 10.745 24 24 24h80c13.255 0 24-10.745 24-24V248c0-13.255-10.745-24-24-24zM64 472c-13.255 0-24-10.745-24-24s10.745-24 24-24 24 10.745 24 24-10.745 24-24 24zM384 81.452c0 42.416-25.97 66.208-33.277 94.548h101.723c33.397 0 59.397 27.746 59.553 58.098.084 17.938-7.546 37.249-19.439 49.197l-.11.11c9.836 23.337 8.237 56.037-9.308 79.469 8.681 25.895-.069 57.704-16.382 74.757 4.298 17.598 2.244 32.575-6.148 44.632C440.202 511.587 389.616 512 346.839 512l-2.845-.001c-48.287-.017-87.806-17.598-119.56-31.725-15.957-7.099-36.821-15.887-52.651-16.178-6.54-.12-11.783-5.457-11.783-11.998v-213.77c0-3.2 1.282-6.271 3.558-8.521 39.614-39.144 56.648-80.587 89.117-113.111 14.804-14.832 20.188-37.236 25.393-58.902C282.515 39.293 291.817 0 312 0c24 0 72 8 72 81.452z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-far-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.27 286.69C475.04 271.84 480 256 480 236.85c0-44.015-37.218-85.58-85.82-85.58H357.7c4.92-12.81 8.85-28.13 8.85-46.54C366.55 31.936 328.86 0 271.28 0c-61.607 0-58.093 94.933-71.76 108.6-22.747 22.747-49.615 66.447-68.76 83.4H32c-17.673 0-32 14.327-32 32v240c0 17.673 14.327 32 32 32h64c14.893 0 27.408-10.174 30.978-23.95 44.509 1.001 75.06 39.94 177.802 39.94 7.22 0 15.22.01 22.22.01 77.117 0 111.986-39.423 112.94-95.33 13.319-18.425 20.299-43.122 17.34-66.99 9.854-18.452 13.664-40.343 8.99-62.99zm-61.75 53.83c12.56 21.13 1.26 49.41-13.94 57.57 7.7 48.78-17.608 65.9-53.12 65.9h-37.82c-71.639 0-118.029-37.82-171.64-37.82V240h10.92c28.36 0 67.98-70.89 94.54-97.46 28.36-28.36 18.91-75.63 37.82-94.54 47.27 0 47.27 32.98 47.27 56.73 0 39.17-28.36 56.72-28.36 94.54h103.99c21.11 0 37.73 18.91 37.82 37.82.09 18.9-12.82 37.81-22.27 37.81 13.489 14.555 16.371 45.236-5.21 65.62zM88 432c0 13.255-10.745 24-24 24s-24-10.745-24-24 10.745-24 24-24 24 10.745 24 24z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Creditors may not agree to the IVA<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2592\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2592\"><p>When presented with your IVA Proposal, your creditors will be asked to vote on whether they think it should go ahead. Occasionally, you may lose this vote.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2593\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2593\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 224H24c-13.255 0-24 10.745-24 24v240c0 13.255 10.745 24 24 24h80c13.255 0 24-10.745 24-24V248c0-13.255-10.745-24-24-24zM64 472c-13.255 0-24-10.745-24-24s10.745-24 24-24 24 10.745 24 24-10.745 24-24 24zM384 81.452c0 42.416-25.97 66.208-33.277 94.548h101.723c33.397 0 59.397 27.746 59.553 58.098.084 17.938-7.546 37.249-19.439 49.197l-.11.11c9.836 23.337 8.237 56.037-9.308 79.469 8.681 25.895-.069 57.704-16.382 74.757 4.298 17.598 2.244 32.575-6.148 44.632C440.202 511.587 389.616 512 346.839 512l-2.845-.001c-48.287-.017-87.806-17.598-119.56-31.725-15.957-7.099-36.821-15.887-52.651-16.178-6.54-.12-11.783-5.457-11.783-11.998v-213.77c0-3.2 1.282-6.271 3.558-8.521 39.614-39.144 56.648-80.587 89.117-113.111 14.804-14.832 20.188-37.236 25.393-58.902C282.515 39.293 291.817 0 312 0c24 0 72 8 72 81.452z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-far-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.27 286.69C475.04 271.84 480 256 480 236.85c0-44.015-37.218-85.58-85.82-85.58H357.7c4.92-12.81 8.85-28.13 8.85-46.54C366.55 31.936 328.86 0 271.28 0c-61.607 0-58.093 94.933-71.76 108.6-22.747 22.747-49.615 66.447-68.76 83.4H32c-17.673 0-32 14.327-32 32v240c0 17.673 14.327 32 32 32h64c14.893 0 27.408-10.174 30.978-23.95 44.509 1.001 75.06 39.94 177.802 39.94 7.22 0 15.22.01 22.22.01 77.117 0 111.986-39.423 112.94-95.33 13.319-18.425 20.299-43.122 17.34-66.99 9.854-18.452 13.664-40.343 8.99-62.99zm-61.75 53.83c12.56 21.13 1.26 49.41-13.94 57.57 7.7 48.78-17.608 65.9-53.12 65.9h-37.82c-71.639 0-118.029-37.82-171.64-37.82V240h10.92c28.36 0 67.98-70.89 94.54-97.46 28.36-28.36 18.91-75.63 37.82-94.54 47.27 0 47.27 32.98 47.27 56.73 0 39.17-28.36 56.72-28.36 94.54h103.99c21.11 0 37.73 18.91 37.82 37.82.09 18.9-12.82 37.81-22.27 37.81 13.489 14.555 16.371 45.236-5.21 65.62zM88 432c0 13.255-10.745 24-24 24s-24-10.745-24-24 10.745-24 24-24 24 10.745 24 24z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">If you have equity in your property, then you could be forced to re-mortgage, release the equity and have it included in your IVA<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2593\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2593\"><p>\u00a0If your mortgage has a fixed rate, then at some point during your IVA, you will likely need to remortgage your property. At this stage you could be asked to release any equity you have in your property and put it towards your debt.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2594\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2594\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 224H24c-13.255 0-24 10.745-24 24v240c0 13.255 10.745 24 24 24h80c13.255 0 24-10.745 24-24V248c0-13.255-10.745-24-24-24zM64 472c-13.255 0-24-10.745-24-24s10.745-24 24-24 24 10.745 24 24-10.745 24-24 24zM384 81.452c0 42.416-25.97 66.208-33.277 94.548h101.723c33.397 0 59.397 27.746 59.553 58.098.084 17.938-7.546 37.249-19.439 49.197l-.11.11c9.836 23.337 8.237 56.037-9.308 79.469 8.681 25.895-.069 57.704-16.382 74.757 4.298 17.598 2.244 32.575-6.148 44.632C440.202 511.587 389.616 512 346.839 512l-2.845-.001c-48.287-.017-87.806-17.598-119.56-31.725-15.957-7.099-36.821-15.887-52.651-16.178-6.54-.12-11.783-5.457-11.783-11.998v-213.77c0-3.2 1.282-6.271 3.558-8.521 39.614-39.144 56.648-80.587 89.117-113.111 14.804-14.832 20.188-37.236 25.393-58.902C282.515 39.293 291.817 0 312 0c24 0 72 8 72 81.452z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-far-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.27 286.69C475.04 271.84 480 256 480 236.85c0-44.015-37.218-85.58-85.82-85.58H357.7c4.92-12.81 8.85-28.13 8.85-46.54C366.55 31.936 328.86 0 271.28 0c-61.607 0-58.093 94.933-71.76 108.6-22.747 22.747-49.615 66.447-68.76 83.4H32c-17.673 0-32 14.327-32 32v240c0 17.673 14.327 32 32 32h64c14.893 0 27.408-10.174 30.978-23.95 44.509 1.001 75.06 39.94 177.802 39.94 7.22 0 15.22.01 22.22.01 77.117 0 111.986-39.423 112.94-95.33 13.319-18.425 20.299-43.122 17.34-66.99 9.854-18.452 13.664-40.343 8.99-62.99zm-61.75 53.83c12.56 21.13 1.26 49.41-13.94 57.57 7.7 48.78-17.608 65.9-53.12 65.9h-37.82c-71.639 0-118.029-37.82-171.64-37.82V240h10.92c28.36 0 67.98-70.89 94.54-97.46 28.36-28.36 18.91-75.63 37.82-94.54 47.27 0 47.27 32.98 47.27 56.73 0 39.17-28.36 56.72-28.36 94.54h103.99c21.11 0 37.73 18.91 37.82 37.82.09 18.9-12.82 37.81-22.27 37.81 13.489 14.555 16.371 45.236-5.21 65.62zM88 432c0 13.255-10.745 24-24 24s-24-10.745-24-24 10.745-24 24-24 24 10.745 24 24z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">You may be forced to hand over a % of any extra money you receive<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2594\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2594\"><p>If you receive funds greater than \u00a3500 as a result of inheritance or other such circumstances during the terms of the IVA, then you will need to inform your IP who may want to take a portion of it to put towards your debt.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2595\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2595\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 224H24c-13.255 0-24 10.745-24 24v240c0 13.255 10.745 24 24 24h80c13.255 0 24-10.745 24-24V248c0-13.255-10.745-24-24-24zM64 472c-13.255 0-24-10.745-24-24s10.745-24 24-24 24 10.745 24 24-10.745 24-24 24zM384 81.452c0 42.416-25.97 66.208-33.277 94.548h101.723c33.397 0 59.397 27.746 59.553 58.098.084 17.938-7.546 37.249-19.439 49.197l-.11.11c9.836 23.337 8.237 56.037-9.308 79.469 8.681 25.895-.069 57.704-16.382 74.757 4.298 17.598 2.244 32.575-6.148 44.632C440.202 511.587 389.616 512 346.839 512l-2.845-.001c-48.287-.017-87.806-17.598-119.56-31.725-15.957-7.099-36.821-15.887-52.651-16.178-6.54-.12-11.783-5.457-11.783-11.998v-213.77c0-3.2 1.282-6.271 3.558-8.521 39.614-39.144 56.648-80.587 89.117-113.111 14.804-14.832 20.188-37.236 25.393-58.902C282.515 39.293 291.817 0 312 0c24 0 72 8 72 81.452z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-far-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.27 286.69C475.04 271.84 480 256 480 236.85c0-44.015-37.218-85.58-85.82-85.58H357.7c4.92-12.81 8.85-28.13 8.85-46.54C366.55 31.936 328.86 0 271.28 0c-61.607 0-58.093 94.933-71.76 108.6-22.747 22.747-49.615 66.447-68.76 83.4H32c-17.673 0-32 14.327-32 32v240c0 17.673 14.327 32 32 32h64c14.893 0 27.408-10.174 30.978-23.95 44.509 1.001 75.06 39.94 177.802 39.94 7.22 0 15.22.01 22.22.01 77.117 0 111.986-39.423 112.94-95.33 13.319-18.425 20.299-43.122 17.34-66.99 9.854-18.452 13.664-40.343 8.99-62.99zm-61.75 53.83c12.56 21.13 1.26 49.41-13.94 57.57 7.7 48.78-17.608 65.9-53.12 65.9h-37.82c-71.639 0-118.029-37.82-171.64-37.82V240h10.92c28.36 0 67.98-70.89 94.54-97.46 28.36-28.36 18.91-75.63 37.82-94.54 47.27 0 47.27 32.98 47.27 56.73 0 39.17-28.36 56.72-28.36 94.54h103.99c21.11 0 37.73 18.91 37.82 37.82.09 18.9-12.82 37.81-22.27 37.81 13.489 14.555 16.371 45.236-5.21 65.62zM88 432c0 13.255-10.745 24-24 24s-24-10.745-24-24 10.745-24 24-24 24 10.745 24 24z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">If you fail to make payments, then your IVA could fail<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2595\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2595\"><p>If this happens, then your creditors will be able to begin chasing your arrears again, potentially adding interest and charges.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2596\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2596\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 224H24c-13.255 0-24 10.745-24 24v240c0 13.255 10.745 24 24 24h80c13.255 0 24-10.745 24-24V248c0-13.255-10.745-24-24-24zM64 472c-13.255 0-24-10.745-24-24s10.745-24 24-24 24 10.745 24 24-10.745 24-24 24zM384 81.452c0 42.416-25.97 66.208-33.277 94.548h101.723c33.397 0 59.397 27.746 59.553 58.098.084 17.938-7.546 37.249-19.439 49.197l-.11.11c9.836 23.337 8.237 56.037-9.308 79.469 8.681 25.895-.069 57.704-16.382 74.757 4.298 17.598 2.244 32.575-6.148 44.632C440.202 511.587 389.616 512 346.839 512l-2.845-.001c-48.287-.017-87.806-17.598-119.56-31.725-15.957-7.099-36.821-15.887-52.651-16.178-6.54-.12-11.783-5.457-11.783-11.998v-213.77c0-3.2 1.282-6.271 3.558-8.521 39.614-39.144 56.648-80.587 89.117-113.111 14.804-14.832 20.188-37.236 25.393-58.902C282.515 39.293 291.817 0 312 0c24 0 72 8 72 81.452z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-far-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.27 286.69C475.04 271.84 480 256 480 236.85c0-44.015-37.218-85.58-85.82-85.58H357.7c4.92-12.81 8.85-28.13 8.85-46.54C366.55 31.936 328.86 0 271.28 0c-61.607 0-58.093 94.933-71.76 108.6-22.747 22.747-49.615 66.447-68.76 83.4H32c-17.673 0-32 14.327-32 32v240c0 17.673 14.327 32 32 32h64c14.893 0 27.408-10.174 30.978-23.95 44.509 1.001 75.06 39.94 177.802 39.94 7.22 0 15.22.01 22.22.01 77.117 0 111.986-39.423 112.94-95.33 13.319-18.425 20.299-43.122 17.34-66.99 9.854-18.452 13.664-40.343 8.99-62.99zm-61.75 53.83c12.56 21.13 1.26 49.41-13.94 57.57 7.7 48.78-17.608 65.9-53.12 65.9h-37.82c-71.639 0-118.029-37.82-171.64-37.82V240h10.92c28.36 0 67.98-70.89 94.54-97.46 28.36-28.36 18.91-75.63 37.82-94.54 47.27 0 47.27 32.98 47.27 56.73 0 39.17-28.36 56.72-28.36 94.54h103.99c21.11 0 37.73 18.91 37.82 37.82.09 18.9-12.82 37.81-22.27 37.81 13.489 14.555 16.371 45.236-5.21 65.62zM88 432c0 13.255-10.745 24-24 24s-24-10.745-24-24 10.745-24 24-24 24 10.745 24 24z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">If your financial situation changes then your IP could request an amendment to your arrangement with your creditors<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2596\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2596\"><p>If your creditors refuse to comply with this, then your IVA could fail.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2597\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-2597\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 224H24c-13.255 0-24 10.745-24 24v240c0 13.255 10.745 24 24 24h80c13.255 0 24-10.745 24-24V248c0-13.255-10.745-24-24-24zM64 472c-13.255 0-24-10.745-24-24s10.745-24 24-24 24 10.745 24 24-10.745 24-24 24zM384 81.452c0 42.416-25.97 66.208-33.277 94.548h101.723c33.397 0 59.397 27.746 59.553 58.098.084 17.938-7.546 37.249-19.439 49.197l-.11.11c9.836 23.337 8.237 56.037-9.308 79.469 8.681 25.895-.069 57.704-16.382 74.757 4.298 17.598 2.244 32.575-6.148 44.632C440.202 511.587 389.616 512 346.839 512l-2.845-.001c-48.287-.017-87.806-17.598-119.56-31.725-15.957-7.099-36.821-15.887-52.651-16.178-6.54-.12-11.783-5.457-11.783-11.998v-213.77c0-3.2 1.282-6.271 3.558-8.521 39.614-39.144 56.648-80.587 89.117-113.111 14.804-14.832 20.188-37.236 25.393-58.902C282.515 39.293 291.817 0 312 0c24 0 72 8 72 81.452z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-far-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.27 286.69C475.04 271.84 480 256 480 236.85c0-44.015-37.218-85.58-85.82-85.58H357.7c4.92-12.81 8.85-28.13 8.85-46.54C366.55 31.936 328.86 0 271.28 0c-61.607 0-58.093 94.933-71.76 108.6-22.747 22.747-49.615 66.447-68.76 83.4H32c-17.673 0-32 14.327-32 32v240c0 17.673 14.327 32 32 32h64c14.893 0 27.408-10.174 30.978-23.95 44.509 1.001 75.06 39.94 177.802 39.94 7.22 0 15.22.01 22.22.01 77.117 0 111.986-39.423 112.94-95.33 13.319-18.425 20.299-43.122 17.34-66.99 9.854-18.452 13.664-40.343 8.99-62.99zm-61.75 53.83c12.56 21.13 1.26 49.41-13.94 57.57 7.7 48.78-17.608 65.9-53.12 65.9h-37.82c-71.639 0-118.029-37.82-171.64-37.82V240h10.92c28.36 0 67.98-70.89 94.54-97.46 28.36-28.36 18.91-75.63 37.82-94.54 47.27 0 47.27 32.98 47.27 56.73 0 39.17-28.36 56.72-28.36 94.54h103.99c21.11 0 37.73 18.91 37.82 37.82.09 18.9-12.82 37.81-22.27 37.81 13.489 14.555 16.371 45.236-5.21 65.62zM88 432c0 13.255-10.745 24-24 24s-24-10.745-24-24 10.745-24 24-24 24 10.745 24 24z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">IVAs are added to the Insolvency Register<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2597\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-2597\"><p>This is a public record, so anyone looking for this information could potentially find your details.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2598\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-2598\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 224H24c-13.255 0-24 10.745-24 24v240c0 13.255 10.745 24 24 24h80c13.255 0 24-10.745 24-24V248c0-13.255-10.745-24-24-24zM64 472c-13.255 0-24-10.745-24-24s10.745-24 24-24 24 10.745 24 24-10.745 24-24 24zM384 81.452c0 42.416-25.97 66.208-33.277 94.548h101.723c33.397 0 59.397 27.746 59.553 58.098.084 17.938-7.546 37.249-19.439 49.197l-.11.11c9.836 23.337 8.237 56.037-9.308 79.469 8.681 25.895-.069 57.704-16.382 74.757 4.298 17.598 2.244 32.575-6.148 44.632C440.202 511.587 389.616 512 346.839 512l-2.845-.001c-48.287-.017-87.806-17.598-119.56-31.725-15.957-7.099-36.821-15.887-52.651-16.178-6.54-.12-11.783-5.457-11.783-11.998v-213.77c0-3.2 1.282-6.271 3.558-8.521 39.614-39.144 56.648-80.587 89.117-113.111 14.804-14.832 20.188-37.236 25.393-58.902C282.515 39.293 291.817 0 312 0c24 0 72 8 72 81.452z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-far-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.27 286.69C475.04 271.84 480 256 480 236.85c0-44.015-37.218-85.58-85.82-85.58H357.7c4.92-12.81 8.85-28.13 8.85-46.54C366.55 31.936 328.86 0 271.28 0c-61.607 0-58.093 94.933-71.76 108.6-22.747 22.747-49.615 66.447-68.76 83.4H32c-17.673 0-32 14.327-32 32v240c0 17.673 14.327 32 32 32h64c14.893 0 27.408-10.174 30.978-23.95 44.509 1.001 75.06 39.94 177.802 39.94 7.22 0 15.22.01 22.22.01 77.117 0 111.986-39.423 112.94-95.33 13.319-18.425 20.299-43.122 17.34-66.99 9.854-18.452 13.664-40.343 8.99-62.99zm-61.75 53.83c12.56 21.13 1.26 49.41-13.94 57.57 7.7 48.78-17.608 65.9-53.12 65.9h-37.82c-71.639 0-118.029-37.82-171.64-37.82V240h10.92c28.36 0 67.98-70.89 94.54-97.46 28.36-28.36 18.91-75.63 37.82-94.54 47.27 0 47.27 32.98 47.27 56.73 0 39.17-28.36 56.72-28.36 94.54h103.99c21.11 0 37.73 18.91 37.82 37.82.09 18.9-12.82 37.81-22.27 37.81 13.489 14.555 16.371 45.236-5.21 65.62zM88 432c0 13.255-10.745 24-24 24s-24-10.745-24-24 10.745-24 24-24 24 10.745 24 24z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">An IVA will have a negative impact on your credit rating for six years<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2598\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-2598\"><p>This is a negative, but if you have missed payments on your debt already, your rating could already be low. It is also 6 years from the start of your IVA, so once it is completed your IVA should be no more than one year away from your credit score beginning to recover.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2599\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-2599\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 224H24c-13.255 0-24 10.745-24 24v240c0 13.255 10.745 24 24 24h80c13.255 0 24-10.745 24-24V248c0-13.255-10.745-24-24-24zM64 472c-13.255 0-24-10.745-24-24s10.745-24 24-24 24 10.745 24 24-10.745 24-24 24zM384 81.452c0 42.416-25.97 66.208-33.277 94.548h101.723c33.397 0 59.397 27.746 59.553 58.098.084 17.938-7.546 37.249-19.439 49.197l-.11.11c9.836 23.337 8.237 56.037-9.308 79.469 8.681 25.895-.069 57.704-16.382 74.757 4.298 17.598 2.244 32.575-6.148 44.632C440.202 511.587 389.616 512 346.839 512l-2.845-.001c-48.287-.017-87.806-17.598-119.56-31.725-15.957-7.099-36.821-15.887-52.651-16.178-6.54-.12-11.783-5.457-11.783-11.998v-213.77c0-3.2 1.282-6.271 3.558-8.521 39.614-39.144 56.648-80.587 89.117-113.111 14.804-14.832 20.188-37.236 25.393-58.902C282.515 39.293 291.817 0 312 0c24 0 72 8 72 81.452z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-far-thumbs-up\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.27 286.69C475.04 271.84 480 256 480 236.85c0-44.015-37.218-85.58-85.82-85.58H357.7c4.92-12.81 8.85-28.13 8.85-46.54C366.55 31.936 328.86 0 271.28 0c-61.607 0-58.093 94.933-71.76 108.6-22.747 22.747-49.615 66.447-68.76 83.4H32c-17.673 0-32 14.327-32 32v240c0 17.673 14.327 32 32 32h64c14.893 0 27.408-10.174 30.978-23.95 44.509 1.001 75.06 39.94 177.802 39.94 7.22 0 15.22.01 22.22.01 77.117 0 111.986-39.423 112.94-95.33 13.319-18.425 20.299-43.122 17.34-66.99 9.854-18.452 13.664-40.343 8.99-62.99zm-61.75 53.83c12.56 21.13 1.26 49.41-13.94 57.57 7.7 48.78-17.608 65.9-53.12 65.9h-37.82c-71.639 0-118.029-37.82-171.64-37.82V240h10.92c28.36 0 67.98-70.89 94.54-97.46 28.36-28.36 18.91-75.63 37.82-94.54 47.27 0 47.27 32.98 47.27 56.73 0 39.17-28.36 56.72-28.36 94.54h103.99c21.11 0 37.73 18.91 37.82 37.82.09 18.9-12.82 37.81-22.27 37.81 13.489 14.555 16.371 45.236-5.21 65.62zM88 432c0 13.255-10.745 24-24 24s-24-10.745-24-24 10.745-24 24-24 24 10.745 24 24z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">A failed IVA could lead to you being made bankrupt <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2599\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-2599\"><p>If you miss payments and your IVA fails, then your creditors could petition for you to be made bankrupt.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7d860c80 e-flex e-con-boxed e-con e-parent\" data-id=\"7d860c80\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ccfd433 elementor-widget elementor-widget-text-editor\" data-id=\"4ccfd433\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tWhy Choose <span style=\"color: #048c4d;\">Apply For An IVA<\/span>?\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-156255a7 e-flex e-con-boxed e-con e-parent\" data-id=\"156255a7\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5d8f425f e-con-full e-flex e-con e-child\" data-id=\"5d8f425f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79e16e3f elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"79e16e3f\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1706\" src=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/happy-man-working-on-laptop-2023-11-27-05-08-42-utc-scaled-1.jpg\" class=\"attachment-full size-full wp-image-58\" alt=\"\" srcset=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/happy-man-working-on-laptop-2023-11-27-05-08-42-utc-scaled-1.jpg 2560w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/happy-man-working-on-laptop-2023-11-27-05-08-42-utc-scaled-1-300x200.jpg 300w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/happy-man-working-on-laptop-2023-11-27-05-08-42-utc-scaled-1-1024x682.jpg 1024w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/happy-man-working-on-laptop-2023-11-27-05-08-42-utc-scaled-1-768x512.jpg 768w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/happy-man-working-on-laptop-2023-11-27-05-08-42-utc-scaled-1-1536x1024.jpg 1536w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/happy-man-working-on-laptop-2023-11-27-05-08-42-utc-scaled-1-2048x1365.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Friendly & Understanding<\/h3><p class=\"elementor-image-box-description\">Our friendly, understanding and expertly trained advisors are ready to assist you, offering impartial and practical guidance in a completely non-judgmental setting. We recognise that anyone can encounter financial challenges, which is why we prioritise treating our customers with empathy and understanding.<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6cf653f3 e-con-full e-flex e-con e-child\" data-id=\"6cf653f3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-74f4c71e elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"74f4c71e\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1706\" src=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/4-happy-people-looking-at-viewer-2023-11-27-05-24-12-utc-scaled-1.jpeg\" class=\"attachment-full size-full wp-image-59\" alt=\"\" srcset=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/4-happy-people-looking-at-viewer-2023-11-27-05-24-12-utc-scaled-1.jpeg 2560w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/4-happy-people-looking-at-viewer-2023-11-27-05-24-12-utc-scaled-1-300x200.jpeg 300w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/4-happy-people-looking-at-viewer-2023-11-27-05-24-12-utc-scaled-1-1024x682.jpeg 1024w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/4-happy-people-looking-at-viewer-2023-11-27-05-24-12-utc-scaled-1-768x512.jpeg 768w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/4-happy-people-looking-at-viewer-2023-11-27-05-24-12-utc-scaled-1-1536x1024.jpeg 1536w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/4-happy-people-looking-at-viewer-2023-11-27-05-24-12-utc-scaled-1-2048x1365.jpeg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Proven Track Record<\/h3><p class=\"elementor-image-box-description\">With over 20 years of experience, we have helped literally thousands of people solve their money worries. Once you have enquired, one of our team members will be in touch, learning about your specific circumstances and pointing you in the direction of the help you need; whether that is with us, or one of our trusted partners.<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3d770384 e-con-full e-flex e-con e-child\" data-id=\"3d770384\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1372e070 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"1372e070\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/happy-woman-smiling-at-home-during-move-with-boxes-2023-11-27-05-20-29-utc-scaled-1.jpg\" class=\"attachment-full size-full wp-image-60\" alt=\"\" srcset=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/happy-woman-smiling-at-home-during-move-with-boxes-2023-11-27-05-20-29-utc-scaled-1.jpg 2560w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/happy-woman-smiling-at-home-during-move-with-boxes-2023-11-27-05-20-29-utc-scaled-1-300x200.jpg 300w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/happy-woman-smiling-at-home-during-move-with-boxes-2023-11-27-05-20-29-utc-scaled-1-1024x683.jpg 1024w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/happy-woman-smiling-at-home-during-move-with-boxes-2023-11-27-05-20-29-utc-scaled-1-768x512.jpg 768w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/happy-woman-smiling-at-home-during-move-with-boxes-2023-11-27-05-20-29-utc-scaled-1-1536x1024.jpg 1536w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/happy-woman-smiling-at-home-during-move-with-boxes-2023-11-27-05-20-29-utc-scaled-1-2048x1366.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Ongoing Support<\/h3><p class=\"elementor-image-box-description\">If you choose to become one of our clients then, should you need us, we are here to help. We understand that life can be tough and we can all be faced with the unexpected from time to time, so should your circumstances change during your Trust Deed term, get in touch and get the support you need.<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1ca04c8 e-flex e-con-boxed e-con e-parent\" data-id=\"1ca04c8\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-64887893 e-con-full e-transform e-flex e-con e-child\" data-id=\"64887893\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_transform_rotateZ_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-561a5544 elementor-widget elementor-widget-image\" data-id=\"561a5544\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"588\" height=\"1000\" src=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/asian-businesswoman-standing-with-her-arms-crossed-2023-02-11-03-47-44-utc-min.png\" class=\"attachment-large size-large wp-image-61\" alt=\"\" srcset=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/asian-businesswoman-standing-with-her-arms-crossed-2023-02-11-03-47-44-utc-min.png 588w, https:\/\/apply-for-an-iva.co.uk\/wp-content\/uploads\/2024\/02\/asian-businesswoman-standing-with-her-arms-crossed-2023-02-11-03-47-44-utc-min-176x300.png 176w\" sizes=\"(max-width: 588px) 100vw, 588px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-702c9b6a e-con-full e-flex e-con e-child\" data-id=\"702c9b6a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a187216 elementor-widget elementor-widget-text-editor\" data-id=\"7a187216\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tWhat Our Clients Says About <span style=\"color: #048C4D;\">Us<\/span>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27945b3b elementor-testimonial--skin-default elementor-testimonial--layout-image_inline elementor-testimonial--align-center elementor-arrows-yes elementor-pagination-type-bullets elementor-widget elementor-widget-testimonial-carousel\" data-id=\"27945b3b\" data-element_type=\"widget\" data-settings=\"{&quot;show_arrows&quot;:&quot;yes&quot;,&quot;pagination&quot;:&quot;bullets&quot;,&quot;speed&quot;:500,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;loop&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;space_between&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;space_between_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;space_between_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]}}\" data-widget_type=\"testimonial-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/apply-for-an-iva.co.uk\/wp-content\/plugins\/elementor-pro\/assets\/css\/widget-carousel.min.css\">\t\t<div class=\"elementor-swiper\">\n\t\t\t<div class=\"elementor-main-swiper swiper\">\n\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\tThe advisor was extremely helpful. Keeping me updated with all the information I needed to know. He was very understanding in my situation he put me at ease and made my experience totally stress free.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-testimonial__footer\">\n\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">Donna<\/span><\/cite>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\tExtremely helpful and empathetic advisors with no judgement. Explained everything thoroughly and made it look like there could be some light at the end of the tunnel!\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-testimonial__footer\">\n\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">Tilly<\/span><\/cite>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\tThe advisor was very helpful and friendly guiding me and advising me of what would be the best decision for me. Really appreciate your guys help!\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-testimonial__footer\">\n\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">Chloe<\/span><\/cite>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-left\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M646 125C629 125 613 133 604 142L308 442C296 454 292 471 292 487 292 504 296 521 308 533L604 854C617 867 629 875 646 875 663 875 679 871 692 858 704 846 713 829 713 812 713 796 708 779 692 767L438 487 692 225C700 217 708 204 708 187 708 171 704 154 692 142 675 129 663 125 646 125Z\"><\/path><\/svg>\t\t\t\t\t\t\t<span class=\"elementor-screen-only\">Previous<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-right\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M696 533C708 521 713 504 713 487 713 471 708 454 696 446L400 146C388 133 375 125 354 125 338 125 325 129 313 142 300 154 292 171 292 187 292 204 296 221 308 233L563 492 304 771C292 783 288 800 288 817 288 833 296 850 308 863 321 871 338 875 354 875 371 875 388 867 400 854L696 533Z\"><\/path><\/svg>\t\t\t\t\t\t\t<span class=\"elementor-screen-only\">Next<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5d32fc45 e-flex e-con-boxed e-con e-parent\" data-id=\"5d32fc45\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-168f97ca elementor-widget elementor-widget-heading\" data-id=\"168f97ca\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is an IVA and how does it differ from a deed?\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a447b15 elementor-widget elementor-widget-text-editor\" data-id=\"5a447b15\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>An IVA, or <span class=\"keyword-highlight-true\">Individual Voluntary Arrangement<\/span>, is a formal agreement between a <span class=\"keyword-highlight-true\">debtor<\/span> and their <span class=\"keyword-highlight-true\">creditor<\/span>s to pay back <span class=\"keyword-highlight-true\">debt<\/span>s over a period of time. It differs from a <span class=\"keyword-highlight-true\">deed<\/span> in that it is legally binding and involves the supervision of an <span class=\"keyword-highlight-true\">insolvency practitioner<\/span>. A <span class=\"keyword-highlight-true\">deed<\/span> can refer to any legal document that signifies an agreement or <span class=\"keyword-highlight-true\">contract<\/span>, not necessarily related to <span class=\"keyword-highlight-true\">debt<\/span>.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a5e3fd8 elementor-widget elementor-widget-heading\" data-id=\"5a5e3fd8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How might empathy play a role in the process of applying for an IVA?\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7264c393 elementor-widget elementor-widget-text-editor\" data-id=\"7264c393\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span class=\"keyword-highlight-true\">Empathy<\/span> can be important when communicating with <span class=\"keyword-highlight-true\">creditor<\/span>s during the IVA application process. Demonstrating an <span class=\"keyword-highlight-true\">understanding<\/span> of each partys situation may encourage cooperation and facilitate the negotiation of terms that are fair and manageable for both sides.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18b70c3a elementor-widget elementor-widget-heading\" data-id=\"18b70c3a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Can applying for an IVA stop bailiffs from taking action against me?\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49ce701c elementor-widget elementor-widget-text-editor\" data-id=\"49ce701c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Yes, once you have applied for an IVA and it has been approved by your <span class=\"keyword-highlight-true\">creditor<\/span>s, <span class=\"keyword-highlight-true\">bailiff<\/span>s are no longer allowed to take action against you. The approval of the IVA legally protects you from any further enforcement actions as long as you comply with its terms.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79bc3b4a elementor-widget elementor-widget-heading\" data-id=\"79bc3b4a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What happens if my financial situation changes after entering into an IVA?\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7031cb88 elementor-widget elementor-widget-text-editor\" data-id=\"7031cb88\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If your financial situation changes significantly after entering into an IVA, you should immediately inform your <span class=\"keyword-highlight-true\">insolvency practitioner<\/span>. They can assess whether your <span class=\"keyword-highlight-true\">payment<\/span> plan needs adjusting or if other arrangements should be made within the terms of the existing agreement.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25848c89 elementor-widget elementor-widget-heading\" data-id=\"25848c89\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Is there any risk involved in applying for an IVA?\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e953324 elementor-widget elementor-widget-text-editor\" data-id=\"1e953324\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Yes, there are <span class=\"keyword-highlight-true\">risk<\/span>s associated with applying for an IVA. For instance, if your proposal is rejected by <span class=\"keyword-highlight-true\">creditor<\/span>s or you fail to keep up with <span class=\"keyword-highlight-true\">payment<\/span>s once its accepted, this could lead to <span class=\"keyword-highlight-true\">bank<\/span><span class=\"keyword-highlight-true\">ruptcy<\/span> proceedings. Additionally, IVAs affect <span class=\"keyword-highlight-true\">credit rating<\/span>s negatively and will appear on public records such as the Individual <span class=\"keyword-highlight-true\">Insolvency<\/span> Register.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Apply For An IVA And Write Off Up To 85% Of Your Unaffordable Debt Stop Creditor Calls Freeze Interest and Charges Free, No Obligation Consultation Discover The Right Solution For You May not be suitable in all circumstances. Fees may apply, read here. Entering into a Protected Trust Deed may affect your credit rating. Enquire [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Apply For An IVA | IVA Apply | Apply IVA\t\t\t","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"_links":{"self":[{"href":"https:\/\/apply-for-an-iva.co.uk\/wp-json\/wp\/v2\/pages\/13"}],"collection":[{"href":"https:\/\/apply-for-an-iva.co.uk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/apply-for-an-iva.co.uk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/apply-for-an-iva.co.uk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/apply-for-an-iva.co.uk\/wp-json\/wp\/v2\/comments?post=13"}],"version-history":[{"count":62,"href":"https:\/\/apply-for-an-iva.co.uk\/wp-json\/wp\/v2\/pages\/13\/revisions"}],"predecessor-version":[{"id":178,"href":"https:\/\/apply-for-an-iva.co.uk\/wp-json\/wp\/v2\/pages\/13\/revisions\/178"}],"wp:attachment":[{"href":"https:\/\/apply-for-an-iva.co.uk\/wp-json\/wp\/v2\/media?parent=13"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}