{"id":15142,"date":"2021-02-22T17:23:45","date_gmt":"2021-02-22T17:23:45","guid":{"rendered":"https:\/\/helpandadvice.co.uk\/?p=15142"},"modified":"2024-01-28T17:14:19","modified_gmt":"2024-01-28T17:14:19","slug":"iva-calculator","status":"publish","type":"post","link":"https:\/\/helpandadvice.co.uk\/iva-calculator\/","title":{"rendered":"Iva Calculator"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"15142\" class=\"elementor elementor-15142\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-93f5c24 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"93f5c24\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-54563293\" data-id=\"54563293\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-251566c6 elementor-widget elementor-widget-text-editor\" data-id=\"251566c6\" 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 - v3.21.0 - 24-04-2024 *\/\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<!-- wp:paragraph -->\n<p>a<\/p>\n<!-- \/wp:paragraph -->\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-119cc658 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"119cc658\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-26d4aacc\" data-id=\"26d4aacc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3ec4d6f0 elementor-widget elementor-widget-image\" data-id=\"3ec4d6f0\" 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 - v3.21.0 - 24-04-2024 *\/\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<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/iva-calculator-2.webp 1200w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/iva-calculator-2-300x113.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/iva-calculator-2-1024x384.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/iva-calculator-2-768x288.webp 768w\"sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/iva-calculator-2.jpg\" alt=\"iva calculator\" height=\"450\" width=\"1200\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/iva-calculator-2.jpg 1200w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/iva-calculator-2-300x113.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/iva-calculator-2-1024x384.jpg 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/iva-calculator-2-768x288.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"attachment-full size-full wp-image-15232 sp-no-webp\" fetchpriority=\"high\" decoding=\"async\"  > <\/picture>\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-49f8b34d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"49f8b34d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5fbb50bc\" data-id=\"5fbb50bc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-18fa91d4 elementor-widget elementor-widget-text-editor\" data-id=\"18fa91d4\" 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 style=\"text-align: left;\"><strong><span style=\"color: #000000;\">May 2024<\/span><\/strong><\/p>\n<h1 style=\"text-align: center;\">IVA Calculator in May 2024<\/h1>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-307d516e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"307d516e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-53516426\" data-id=\"53516426\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7cbe9105 elementor-widget elementor-widget-text-editor\" data-id=\"7cbe9105\" 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<h2><b>What is an IVA?\u00a0<\/b><\/h2>\n<p>IVA, short for individual voluntary agreement, is a type of debt solution for unsecured debts. Since a secured loan or debt has collateral, you will not need to turn to debt write off. Your creditors will instead use whatever collateral you secured when making the agreement.\u00a0<\/p>\n<p>This type of debt solution works by having you make monthly payments for 5 years towards your debts. These payments are known as voluntary arrangements.\u00a0<\/p>\n<p>After the 5 years any outstanding debt is simply written off. So for many an IVA is a good way of fixing\u00a0 their financial situation.\u00a0<\/p>\n<p>An IVA is an official agreement and therefore you are bound legally to your monthly payment amount. During individual voluntary arrangements all interest rates are frozen, so you won\u2019t be hit with any unexpected costs you cannot afford.\u00a0<\/p>\n<p>In some cases an IVA agreement may be extended, normally by 12 months. Normally this is because you previously took a payment holiday or had to have your monthly bill reduced.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-67be1f9d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"67be1f9d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-19397b17\" data-id=\"19397b17\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2f72159b elementor-widget elementor-widget-table-of-contents\" data-id=\"2f72159b\" data-element_type=\"widget\" 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.elementor-toc__list-item{counter-increment:item}ol.elementor-toc__list-wrapper .elementor-toc__list-item-text-wrapper:before{content:counters(item,\".\") \". \"}<\/style>\t\t<div class=\"elementor-toc__header\">\n\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tTopics that you will find covered on this page\t\t\t<\/h4>\n\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<svg class=\"elementor-toc__spinner eicon-animation-spin e-font-icon-svg e-eicon-loading\" aria-hidden=\"true\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M500 975V858C696 858 858 696 858 500S696 142 500 142 142 304 142 500H25C25 237 238 25 500 25S975 237 975 500 763 975 500 975Z\"><\/path><\/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\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-28da8028\" data-id=\"28da8028\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-28f4d846 elementor-widget elementor-widget-text-editor\" data-id=\"28f4d846\" 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: #000000;\">You can listen to an audio recording of this page below. <\/span><\/p>\n<p><iframe src=\"https:\/\/play.ht\/embed\/?article_url=https:\/\/play.ht\/drafts\/A0rTnOsV6cNAh2LJIKzXvRMuwrr2\/Ky411m9FR&amp;voice=en-GB-Standard-B\" width=\"100%\" height=\"90px\" frameborder=\"0\" scrolling=\"no\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3e3bc20d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3e3bc20d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7003761d\" data-id=\"7003761d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2b9808dc elementor-widget elementor-widget-text-editor\" data-id=\"2b9808dc\" 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<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-34163ab0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"34163ab0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-213b9c13\" data-id=\"213b9c13\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6c980636 elementor-widget elementor-widget-text-editor\" data-id=\"6c980636\" 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<h2><b>What are IVA Calculators?<\/b><\/h2>\n<p>IVA calculators are online tools used by people undergoing contemplation of an\u00a0<a href=\"https:\/\/en.wikipedia.org\/wiki\/Insolvency\" target=\"_blank\" rel=\"noopener\">insolvency<\/a>. The calculators help people see how much debt they would need to repay to their creditors and how much debt would get written off.\u00a0<\/p>\n<p>They are used by many as an \u2018advice\u2019 tool, to see whether an IVA is the best insolvency solution for them. They give you a free debt report, but are not 100% accurate.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3d400f0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3d400f0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-beac0e5\" data-id=\"beac0e5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-8e59a01\" data-id=\"8e59a01\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9b4e8b5 elementor-widget elementor-widget-video\" data-id=\"9b4e8b5\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=FZA_0pb5kOs&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 24-04-2024 *\/\n.elementor-widget-video .elementor-widget-container{overflow:hidden;transform:translateZ(0)}.elementor-widget-video .elementor-wrapper{aspect-ratio:var(--video-aspect-ratio)}.elementor-widget-video .elementor-wrapper iframe,.elementor-widget-video .elementor-wrapper video{height:100%;width:100%;display:flex;border:none;background-color:#000}@supports not (aspect-ratio:1\/1){.elementor-widget-video .elementor-wrapper{position:relative;overflow:hidden;height:0;padding-bottom:calc(100% \/ var(--video-aspect-ratio))}.elementor-widget-video .elementor-wrapper iframe,.elementor-widget-video .elementor-wrapper video{position:absolute;top:0;right:0;bottom:0;left:0}}.elementor-widget-video .elementor-open-inline .elementor-custom-embed-image-overlay{position:absolute;top:0;right:0;bottom:0;left:0;background-size:cover;background-position:50%}.elementor-widget-video .elementor-custom-embed-image-overlay{cursor:pointer;text-align:center}.elementor-widget-video .elementor-custom-embed-image-overlay:hover .elementor-custom-embed-play i{opacity:1}.elementor-widget-video .elementor-custom-embed-image-overlay img{display:block;width:100%;aspect-ratio:var(--video-aspect-ratio);-o-object-fit:cover;object-fit:cover;-o-object-position:center center;object-position:center center}@supports not (aspect-ratio:1\/1){.elementor-widget-video .elementor-custom-embed-image-overlay{position:relative;overflow:hidden;height:0;padding-bottom:calc(100% \/ var(--video-aspect-ratio))}.elementor-widget-video .elementor-custom-embed-image-overlay img{position:absolute;top:0;right:0;bottom:0;left:0}}.elementor-widget-video .e-hosted-video .elementor-video{-o-object-fit:cover;object-fit:cover}.e-con-inner>.elementor-widget-video,.e-con>.elementor-widget-video{width:var(--container-widget-width);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-912c550\" data-id=\"912c550\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-544b1208 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"544b1208\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-748e9aec\" data-id=\"748e9aec\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7255f62c elementor-widget elementor-widget-text-editor\" data-id=\"7255f62c\" 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<h2><b>Are IVA calculators reliable?<\/b><\/h2>\n<p>An IVA calculator is a good way of estimating what your monthly repayment amount would be, and whether this is affordable for you.\u00a0<\/p>\n<p>However, remember that an IVA calculator only gives an estimate based on limited details you enter. An IVA calculator cannot guarantee that if you applied for an IVA you would be approved.\u00a0<\/p>\n<p>You get a more reliable picture of your eligibility if you make an insolvency appointment. Get in touch with insolvency practitioners to do this. Always be sure that you use advisors who have\u00a0 membership at the insolvency practitioners association.\u00a0<\/p>\n<p>An insolvency practitioner will look at all of your ingoings and outgoings and create a full proposal. The proposal includes what you would need to pay back monthly. You can give this to your debt creditors.\u00a0<\/p>\n<p>You should also be aware that if you put in personal details on an online calculator, the company may then contact you via phone or email.\u00a0<\/p>\n<p>Here is a short video explaining what an IVA is.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ea587e2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ea587e2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c6095a8\" data-id=\"c6095a8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-38f1c62 elementor-widget elementor-widget-text-editor\" data-id=\"38f1c62\" 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<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-15b21214 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"15b21214\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2256bd84\" data-id=\"2256bd84\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7edce6dd elementor-widget elementor-widget-text-editor\" data-id=\"7edce6dd\" 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<h2><b>Where can I find an IVA calculator?<\/b><\/h2>\n<p data-slot-rendered-dynamic=\"true\">There are many online IVA calculators that you can use to consider your individual voluntary agreement.<\/p>\n<p>Payplan offers an online estimation tool for which you are not required to enter personal details.\u00a0<\/p>\n<p>If you would like a more accurate estimation, then you can use an IVA calculator that asks for more details. These details can help the IVA calculator assess your IVA budget.\u00a0<\/p>\n<p>However, always be wary of the sites you use and their compliance with data protection.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-71b5b5a7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"71b5b5a7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3432ca83\" data-id=\"3432ca83\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-50d6a3dd elementor-widget elementor-widget-text-editor\" data-id=\"50d6a3dd\" 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<div class=\"content_mobile_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-266c52da elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"266c52da\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-55c182f4\" data-id=\"55c182f4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-13ed0836 elementor-widget elementor-widget-text-editor\" data-id=\"13ed0836\" 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<h2><b>How does a calculator work for IVAs?<\/b><\/h2>\n<p data-slot-rendered-dynamic=\"true\">You will be asked to give details of the number of different creditors that you owe money to, as well as the total amount owed. You might also need to provide your income and monthly outgoings as well.<\/p>\n<p>The more personal financial details you provide, the more accurate the IVA estimate. However, in all cases calculators only give estimates. They in no way guarantee acceptance for an IVA.\u00a0<\/p>\n<p>So, you should use an IVA calculator if you are interested in knowing what your chances of being accepted are. You can also use some calculator\u2019s to estimate\u00a0<\/p>\n<h2><b>What is the minimum IVA payment?<\/b><\/h2>\n<p>Normally, you need to pay \u00a380- \u00a3100 each month, minimum.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-394699e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"394699e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5fc8f982\" data-id=\"5fc8f982\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-147c4ecc elementor-widget elementor-widget-text-editor\" data-id=\"147c4ecc\" 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<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b3ad8bd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b3ad8bd\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-442a245\" data-id=\"442a245\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b956f69 elementor-widget elementor-widget-image\" data-id=\"b956f69\" 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<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/Individual-Voluntary-Arrangement-1.webp 1200w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/Individual-Voluntary-Arrangement-1-300x75.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/Individual-Voluntary-Arrangement-1-1024x256.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/Individual-Voluntary-Arrangement-1-768x192.webp 768w\"sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/Individual-Voluntary-Arrangement-1.jpg\" alt=\"Individual Voluntary Arrangement\" height=\"300\" width=\"1200\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/Individual-Voluntary-Arrangement-1.jpg 1200w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/Individual-Voluntary-Arrangement-1-300x75.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/Individual-Voluntary-Arrangement-1-1024x256.jpg 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/Individual-Voluntary-Arrangement-1-768x192.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"attachment-full size-full wp-image-15227 sp-no-webp\" decoding=\"async\"  > <\/picture>\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2d83deba elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2d83deba\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c93394d\" data-id=\"c93394d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-16b6761b elementor-widget elementor-widget-text-editor\" data-id=\"16b6761b\" 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<h2><b>How much debt is written off in an IVA?<\/b><\/h2>\n<p>Firstly, you should know that no IVA will ever write off all of your debt.\u00a0<\/p>\n<p>There is not a fixed amount that can be written off, either. The amount written off will vary on a case-by-case basis, depending on your income and outgoings.\u00a0<\/p>\n<h2><b>What should be my next steps after using an IVA calculator?\u00a0<\/b><\/h2>\n<p>If the iva calculator indicates that an individual voluntary arrangement (IVA) might be a good debt solution for you then your next steps should be:<\/p>\n<ul>\n<li>Get more personal advice about this type of debt solution. You could get advice from the\u00a0<a href=\"https:\/\/www.gov.uk\/national-debtline\" target=\"_blank\" rel=\"noopener\">National Debt Service<\/a>,\u00a0<a href=\"https:\/\/www.citizensadvice.org.uk\/\" target=\"_blank\" rel=\"noopener\">Citizens Advice<\/a>, or an Insolvency Practitioner themselves.\u00a0<\/li>\n<li>Ask an insolvency practitioner to write you an iva proposal. This step requires them firstly to see if you qualify. They do this by considering how much you owe in relation to your income, outgoings, and disposable income.\u00a0<\/li>\n<li>The final step is to present the individual voluntary agreement (IVA) proposal to your creditors.\u00a0<\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1533bb9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1533bb9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-56f17f09\" data-id=\"56f17f09\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3fe40e39 elementor-widget elementor-widget-text-editor\" data-id=\"3fe40e39\" 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<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6ef7567 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6ef7567\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1329729a\" data-id=\"1329729a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element 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blockquote:after,.elementor-widget-blockquote blockquote:before,.elementor-widget-blockquote blockquote cite:after,.elementor-widget-blockquote blockquote cite:before{content:none}.elementor-blockquote{transition:.3s}.elementor-blockquote__author,.elementor-blockquote__content{margin-bottom:0;font-style:normal}.elementor-blockquote__author{font-weight:700}.elementor-blockquote .e-q-footer{margin-top:12px;display:flex;justify-content:space-between}.elementor-blockquote__tweet-button{display:flex;transition:.3s;color:#1da1f2;align-self:flex-end;line-height:1;position:relative;width:-moz-max-content;width:max-content}.elementor-blockquote__tweet-button:hover{color:#0967a0}.elementor-blockquote__tweet-button span{font-weight:600}.elementor-blockquote__tweet-button i,.elementor-blockquote__tweet-button span{vertical-align:middle}.elementor-blockquote__tweet-button i+span,.elementor-blockquote__tweet-button svg+span{margin-left:.5em}.elementor-blockquote__tweet-button svg{fill:#1da1f2;height:1em;width:1em}.elementor-blockquote__tweet-label{white-space:pre-wrap}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button,.elementor-blockquote--button-skin-classic .elementor-blockquote__tweet-button{padding:.7em 1.2em;border-radius:100em;background-color:#1da1f2;color:#fff;font-size:15px}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button:hover,.elementor-blockquote--button-skin-classic .elementor-blockquote__tweet-button:hover{background-color:#0967a0;color:#fff}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button:hover:before,.elementor-blockquote--button-skin-classic .elementor-blockquote__tweet-button:hover:before{border-right-color:#0967a0}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button svg,.elementor-blockquote--button-skin-classic .elementor-blockquote__tweet-button svg{fill:#fff;height:1em;width:1em}.elementor-blockquote--button-skin-bubble.elementor-blockquote--button-view-icon .elementor-blockquote__tweet-button,.elementor-blockquote--button-skin-classic.elementor-blockquote--button-view-icon .elementor-blockquote__tweet-button{padding:0;width:2em;height:2em}.elementor-blockquote--button-skin-bubble.elementor-blockquote--button-view-icon .elementor-blockquote__tweet-button i,.elementor-blockquote--button-skin-classic.elementor-blockquote--button-view-icon .elementor-blockquote__tweet-button i{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%)}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button:before{content:\"\";border:.5em solid transparent;border-right-color:#1da1f2;position:absolute;left:-.8em;top:50%;transform:translateY(-50%) scaleY(.65);transition:.3s}.elementor-blockquote--button-skin-bubble.elementor-blockquote--align-left .elementor-blockquote__tweet-button:before{right:auto;left:-.8em;border-right-color:#1da1f2;border-left-color:transparent}.elementor-blockquote--button-skin-bubble.elementor-blockquote--align-left .elementor-blockquote__tweet-button:hover:before{border-right-color:#0967a0}.elementor-blockquote--button-skin-bubble.elementor-blockquote--align-right .elementor-blockquote__tweet-button:before{left:auto;right:-.8em;border-right-color:transparent;border-left-color:#1da1f2}.elementor-blockquote--button-skin-bubble.elementor-blockquote--align-right .elementor-blockquote__tweet-button:hover:before{border-left-color:#0967a0}.elementor-blockquote--skin-boxed .elementor-blockquote{background-color:#f9fafa;padding:30px}.elementor-blockquote--skin-border .elementor-blockquote{border-color:#f9fafa;border-left:7px #f9fafa;border-style:solid;padding-left:20px}.elementor-blockquote--skin-quotation .elementor-blockquote:before{content:\"\u201c\";font-size:100px;color:#f9fafa;font-family:Times New Roman,Times,serif;font-weight:900;line-height:1;display:block;height:.6em}.elementor-blockquote--skin-quotation .elementor-blockquote__content{margin-top:15px}.elementor-blockquote--align-left .elementor-blockquote__content{text-align:left}.elementor-blockquote--align-left .elementor-blockquote .e-q-footer{flex-direction:row}.elementor-blockquote--align-right .elementor-blockquote__content{text-align:right}.elementor-blockquote--align-right .elementor-blockquote .e-q-footer{flex-direction:row-reverse}.elementor-blockquote--align-center .elementor-blockquote{text-align:center}.elementor-blockquote--align-center .elementor-blockquote .e-q-footer,.elementor-blockquote--align-center .elementor-blockquote__author{display:block}.elementor-blockquote--align-center .elementor-blockquote__tweet-button{margin-right:auto;margin-left:auto}<\/style>\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\t\"IVA calculators are online tools used by people undergoing contemplation of an insolvency. The calculators help people see how much debt they would need to repay to their creditors and how much debt would get written off. \"\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"e-q-footer\">\n\t\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-blockquote__author\">Help & Advice<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twitter.com\/intent\/tweet?text=%22IVA+calculators+are+online+tools+used+by+people+undergoing+contemplation+of+an+insolvency.+The+calculators+help+people+see+how+much+debt+they+would+need+to+repay+to+their+creditors+and+how+much+debt+would+get+written+off.+%22+%E2%80%94+Help+&amp;Advice&amp;url=https%3A%2F%2Fhelpandadvice.co.uk%2Fwp-json%2Fwp%2Fv2%2Fposts%2F15142\" class=\"elementor-blockquote__tweet-button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-twitter\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M459.37 151.716c.325 4.548.325 9.097.325 13.645 0 138.72-105.583 298.558-298.558 298.558-59.452 0-114.68-17.219-161.137-47.106 8.447.974 16.568 1.299 25.34 1.299 49.055 0 94.213-16.568 130.274-44.832-46.132-.975-84.792-31.188-98.112-72.772 6.498.974 12.995 1.624 19.818 1.624 9.421 0 18.843-1.3 27.614-3.573-48.081-9.747-84.143-51.98-84.143-102.985v-1.299c13.969 7.797 30.214 12.67 47.431 13.319-28.264-18.843-46.781-51.005-46.781-87.391 0-19.492 5.197-37.36 14.294-52.954 51.655 63.675 129.3 105.258 216.365 109.807-1.624-7.797-2.599-15.918-2.599-24.04 0-57.828 46.782-104.934 104.934-104.934 30.213 0 57.502 12.67 76.67 33.137 23.715-4.548 46.456-13.32 66.599-25.34-7.798 24.366-24.366 44.833-46.132 57.827 21.117-2.273 41.584-8.122 60.426-16.243-14.292 20.791-32.161 39.308-52.628 54.253z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-blockquote__tweet-label\">Tweet<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-72ae7850\" data-id=\"72ae7850\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-613c2a70 elementor-widget elementor-widget-text-editor\" data-id=\"613c2a70\" 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<h2><b>What does a practitioner for insolvency do?<\/b><\/h2>\n<p>Essentially they look at your total debt and give you debt advice. Specifically, they assess whether you qualify for an IVA.\u00a0<\/p>\n<p>To see if you qualify for an IVA they must see whether an IVA could work for you, or if other insolvency solutions might be better. They look at how much of your debts you can afford to pay back, monthly, based on your financial circumstances.\u00a0<\/p>\n<p>Your practitioner can also write and apply for a court order during the time that your IVA is being set up. Without this, creditors may try and take legal action even though you are arranging debt solutions.\u00a0<\/p>\n<p>Unfortunately, the use of a practitioner for insolvency solutions is not free. You will need to pay a fee, and if you choose to use a\u00a0debt management\u00a0company as well then they also charge fees.\u00a0<\/p>\n<p>You should always make sure that your practitioner is part of the insolvency practitioners association. This association sets out a clear code of ethics when it comes to debt solutions, ensuring that your agreement is a safe one.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d2b3242 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d2b3242\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-406213d\" data-id=\"406213d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f8958ed elementor-widget elementor-widget-image\" data-id=\"f8958ed\" 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<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/calculator-iva.webp 1200w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/calculator-iva-300x75.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/calculator-iva-1024x256.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/calculator-iva-768x192.webp 768w\"sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/calculator-iva.jpg\" height=\"300\" width=\"1200\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/calculator-iva.jpg 1200w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/calculator-iva-300x75.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/calculator-iva-1024x256.jpg 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/calculator-iva-768x192.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"attachment-full size-full wp-image-15228 sp-no-webp\" decoding=\"async\"  > <\/picture>\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4f2c45aa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4f2c45aa\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c3fb629\" data-id=\"4c3fb629\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-22a42716 elementor-widget elementor-widget-text-editor\" data-id=\"22a42716\" 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<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1e80b552 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1e80b552\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-47822d74\" data-id=\"47822d74\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-711bb361 elementor-widget elementor-widget-text-editor\" data-id=\"711bb361\" 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<h2><b>Do I qualify for an IVA?<\/b><\/h2>\n<p>It is impossible to know whether you qualify for an IVA without officially obtaining a proposal. Even people that use a calculator only get an estimate.\u00a0<\/p>\n<p>To get a proposal for this type of debt solution you must provide details of your personal finance. Your <a href=\"https:\/\/helpandadvice.co.uk\/why-would-a-creditor-refuse-an-iva\/\">creditors need to see that you can afford the IVA<\/a> fees, and have sufficient monthly income to make your monthly payment.\u00a0<\/p>\n<p>Essentially, a creditor wants to find the best outcome for them for your debt.\u00a0<\/p>\n<p>So, your proposal needs to show your mortgage lender, mortgage broker, bank,\u00a0 car finance or other specialist lender, that the best solution for your\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/does-iva-affect-credit-rating\/\">credit issues is an IVA<\/a>.\u00a0<\/p>\n<p>If rejected, it is likely because your creditor thinks other methods of debt management will give them a better return. For example, a debt management plan, or declaring bankruptcy. Even if an IVA calculator says you qualify, you can still be rejected for an individual voluntary agreement.\u00a0<\/p>\n<p>Typically people that do manage to qualify for an individual voluntary arrangement (IVA):<\/p>\n<ul>\n<li aria-level=\"1\">Have a minimum unsecured debt amount of \u00a37000<\/li>\n<li aria-level=\"1\">Are in a financial situation which means they cannot make the current\u00a0 repayments for their unsecured debts<\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-532ef60a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"532ef60a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2fd7e5a8\" data-id=\"2fd7e5a8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-552d84fb elementor-widget elementor-widget-text-editor\" data-id=\"552d84fb\" 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<div class=\"content_mobile_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1a1ee011 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1a1ee011\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2bd2ae68\" data-id=\"2bd2ae68\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-23b79fd6 elementor-widget elementor-widget-text-editor\" data-id=\"23b79fd6\" 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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2c29c942 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2c29c942\" data-element_type=\"section\">\n<div class=\"elementor-container elementor-column-gap-default\">\n<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6189e58d\" data-id=\"6189e58d\" data-element_type=\"column\">\n<div class=\"elementor-widget-wrap elementor-element-populated\">\n<div class=\"elementor-element elementor-element-52cc8429 elementor-widget elementor-widget-text-editor\" data-id=\"52cc8429\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n<div class=\"elementor-widget-container\">\n<ul>\n<li aria-level=\"1\">Do have steady financial incomings\u00a0<\/li>\n<li aria-level=\"1\">After paying all of their bills have at least \u00a380 a month to pay towards their debts<b style=\"font-family: Bitter, Georgia, serif; font-size: 30px;\"><\/b><\/li>\n<\/ul>\n<h2><b>How quickly can I set up my individual voluntary arrangement?\u00a0<\/b><\/h2>\n<p>Setting up individual voluntary arrangements for your unsecured debt can take around 6 weeks.\u00a0<\/p>\n<p>Firstly, you must get your total debt assessed and a draft IVA produced. We recommend also getting debt advice before paying any fees.\u00a0<\/p>\n<p>Then, you write to your creditors to present them with the draft. They then have 2 weeks to to approve you for an IVA.<\/p>\n<h2><b>What happens once I set up my IVA?\u00a0<\/b><\/h2>\n<p data-slot-rendered-dynamic=\"true\">Once it is all set up you can be reassured as your creditors can no longer contact you!<\/p>\n<p>Your job, then, is to make all of your monthly payments on time for the next 60 months.\u00a0<\/p>\n<p>When this time comes to an end the remainder of your unsecured debts are written off. You are officially debt free!\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-14ba0dd6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"14ba0dd6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-24c1bec9\" data-id=\"24c1bec9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-191e91e elementor-widget elementor-widget-text-editor\" data-id=\"191e91e\" 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<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fd2da71 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fd2da71\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a890fbb\" data-id=\"a890fbb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-865ccba elementor-widget elementor-widget-image\" data-id=\"865ccba\" 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<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/calculate-iva.webp 1200w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/calculate-iva-300x75.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/calculate-iva-1024x256.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/calculate-iva-768x192.webp 768w\"sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/calculate-iva.jpg\" height=\"300\" width=\"1200\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/calculate-iva.jpg 1200w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/calculate-iva-300x75.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/calculate-iva-1024x256.jpg 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/02\/calculate-iva-768x192.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"attachment-full size-full wp-image-15229 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-322df959 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"322df959\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1282fe36\" data-id=\"1282fe36\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6795bcca elementor-widget elementor-widget-text-editor\" data-id=\"6795bcca\" 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<div class=\"content_mobile_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-41740498 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"41740498\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6eaffb1a\" data-id=\"6eaffb1a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-71816f67 elementor-widget elementor-widget-text-editor\" data-id=\"71816f67\" 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<h2><b>How will an IVA affect someone&#8217;s credit score?<\/b><\/h2>\n<p>Your <a href=\"https:\/\/helpandadvice.co.uk\/do-i-have-to-declare-an-iva-after-6-years\/\">IVA<\/a> will be viewable on your credit report or credit file for 6 years after the IVA begins. During the IVA you are put on the insolvency register, which has an adverse credit impact.\u00a0<\/p>\n<p data-slot-rendered-dynamic=\"true\">However, you are taken off of this public register when your debts are fully dealt with. Then, you can begin to repair your\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/what-is-a-credit-rating-and-how-to-improve-it\/\">credit history and build a better credit rating<\/a>\u00a0for yourself.<\/p>\n<h2><b>Can you get a mortgage on IVA?<\/b><\/h2>\n<p>During your monthly or lump sum\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/iva-mortgage\/\">IVA mortgages<\/a>\u00a0are quite hard to get. High street companies tend to reject applicants, so our advice is to look to specialist lenders for a mortgage.\u00a0<\/p>\n<p>Be sure you have the required financial resources to do this, though. Typically your deposit fees will be higher, and you do not want to accrue even more debts.\u00a0<\/p>\n<p>Better\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/do-mortgage-brokers-get-better-deals\/\">mortgage deals<\/a>\u00a0can be found when your debts to your creditors are officially settled. For example, a smaller interest rate and deposit may be obtained. For many, waiting until after their debts are settled is a better solution.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9147e0e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9147e0e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b44bbb6\" data-id=\"b44bbb6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4bd58ed4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4bd58ed4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2418a038\" data-id=\"2418a038\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d61f4dc elementor-widget elementor-widget-image\" data-id=\"5d61f4dc\" 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<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/06\/we-can-help.webp 803w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/06\/we-can-help-300x64.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/06\/we-can-help-768x165.webp 768w\"sizes=\"(max-width: 803px) 100vw, 803px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/06\/we-can-help.png\" height=\"172\" width=\"803\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/06\/we-can-help.png 803w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/06\/we-can-help-300x64.png 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/06\/we-can-help-768x165.png 768w\" sizes=\"(max-width: 803px) 100vw, 803px\" class=\"attachment-large size-large wp-image-16825 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\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 class=\"elementor-element elementor-element-4ac57655 elementor-widget elementor-widget-image\" data-id=\"4ac57655\" 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<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/06\/Untitled-design-7.webp \" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/06\/Untitled-design-7.gif\" height=\"300\" width=\"300\" class=\"attachment-medium_large size-medium_large wp-image-16833 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-26b0ebea elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"26b0ebea\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-34183a35\" data-id=\"34183a35\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-13f23925 elementor-widget elementor-widget-text-editor\" data-id=\"13f23925\" 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<h2 style=\"text-align: center;\"><span style=\"color: #000000;\">If you are struggling with Debt, would you like to speak to a specialist to discuss what options you have?<\/span><\/h2>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1bc23908 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1bc23908\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7264581a\" data-id=\"7264581a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-57ed141b elementor-widget elementor-widget-text-editor\" data-id=\"57ed141b\" 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 work with Money Advisor who is able to help you, if meet the following 2 criteria:<\/p><p><strong>1<\/strong> &#8211; Your level of debt is \u00a32,000 or over<\/p><p><strong>2<\/strong> &#8211; You have at least two creditors (ie two or more companies you owe money to)<\/p><p>If you meet the criteria, and would like some help, you can contact us in one of 2 ways:<\/p><ul><li><strong>Option 1<\/strong> &#8211; Call us directly on &#8211; <span style=\"text-decoration: underline;\"><a href=\"tel:0333 567 1613\"><strong>0333 567 1613<\/strong><\/a><\/span><\/li><li><strong>Option 2<\/strong> &#8211; Leave us your contact details and we will get in touch with you<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7e7a57c6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7e7a57c6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7460eece\" data-id=\"7460eece\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2c19d986 elementor-widget elementor-widget-text-editor\" data-id=\"2c19d986\" 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<script src=\"https:\/\/unpkg.com\/@lottiefiles\/lottie-player@latest\/dist\/lottie-player.js\"><\/script>\n<lottie-player src=\"https:\/\/assets4.lottiefiles.com\/packages\/lf20_gq7j3ueb.json\"  background=\"transparent\"  speed=\"1\"  style=\"width: 300px; height: 300px;\"  loop  autoplay><\/lottie-player>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-26ed94fc\" data-id=\"26ed94fc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7e425d67 elementor-widget elementor-widget-text-editor\" data-id=\"7e425d67\" 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<h3>\u00a0<\/h3><h3 style=\"text-align: center;\">Option 1 &#8211; Call directly to book an appointment with a debt management specialist<\/h3><p style=\"text-align: center;\"><span style=\"color: #000000;\">Our lines are open Monday to Friday &#8211; 9:00 to 8:00pm<\/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-6fcc70ea elementor-widget elementor-widget-text-editor\" data-id=\"6fcc70ea\" 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<h3 style=\"text-align: center;\"><a href=\"tel:0333 567 1613\"><span style=\"color: #0000ff;\"><strong><span style=\"text-decoration: underline;\">Call us on : <\/span><span style=\"text-decoration: underline;\">0333 567 1613<\/span><\/strong><\/span><\/a><\/h3>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2ea6baac elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2ea6baac\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5cfb415a\" data-id=\"5cfb415a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3428d0a7 elementor-widget elementor-widget-image\" data-id=\"3428d0a7\" 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<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/06\/Untitled-design-9-1024x34.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/06\/Untitled-design-9-300x10.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/06\/Untitled-design-9-768x26.webp 768w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/06\/Untitled-design-9-1170x40.webp 1170w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/06\/Untitled-design-9.webp 1200w\"sizes=\"(max-width: 1024px) 100vw, 1024px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/06\/Untitled-design-9-1024x34.png\" height=\"34\" width=\"1024\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/06\/Untitled-design-9-1024x34.png 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/06\/Untitled-design-9-300x10.png 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/06\/Untitled-design-9-768x26.png 768w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/06\/Untitled-design-9-1170x40.png 1170w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/06\/Untitled-design-9.png 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" class=\"attachment-large size-large wp-image-16826 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4248cdd4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4248cdd4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-52d6ae48\" data-id=\"52d6ae48\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-378b7cf8 elementor-widget elementor-widget-image\" data-id=\"378b7cf8\" 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<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/06\/animation_300_kp2v5991-1.webp \" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/06\/animation_300_kp2v5991-1.gif\" height=\"300\" width=\"300\" class=\"attachment-medium size-medium wp-image-16828 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6dc797f1\" data-id=\"6dc797f1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7b2b4d14 elementor-widget elementor-widget-text-editor\" data-id=\"7b2b4d14\" 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<h3 style=\"text-align: center;\">Option 3 &#8211; Leave us your details and we will get in touch<\/h3><p style=\"text-align: center;\"><span style=\"color: #000000;\">Leave your contact details below and one of the Money Advisor team will give you a call to discuss your needs.<\/span><\/p><p><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-24b643cc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"24b643cc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-64e898c1\" data-id=\"64e898c1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21b8df31 elementor-widget elementor-widget-text-editor\" data-id=\"21b8df31\" 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>Please note that all calls are undertaken by Money Advisor who help thousands of individuals find solutions to get out of debt and. They can help you understand all the possible options and guide you through the various processes.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2fa0982 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2fa0982\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-03067cd\" data-id=\"03067cd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4c98d0e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4c98d0e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d69a2a5\" data-id=\"d69a2a5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b01d985 elementor-widget elementor-widget-text-editor\" data-id=\"b01d985\" 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<h4>Article author<\/h4>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a345c38 elementor-widget elementor-widget-image\" data-id=\"a345c38\" 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<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1-300x300.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1-150x150.webp 150w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1-768x768.webp 768w\"sizes=\"(max-width: 1024px) 100vw, 1024px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1.jpg\" height=\"1024\" width=\"1024\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1.jpg 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1-300x300.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1-150x150.jpg 150w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/image-2-1-768x768.jpg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" class=\"attachment-large size-large wp-image-12735 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f0f391c\" data-id=\"f0f391c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7b5f9ff elementor-widget elementor-widget-text-editor\" data-id=\"7b5f9ff\" 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<h3>Katy Davies<\/h3><p>I am a keen reader and writer and have been helping to write and produce the legal content for the site since the launch.\u00a0 \u00a0I studied for a law degree at Manchester University and I use that theoretical experience, as well as my practical experience as a solicitor, to help produce legal content which I hope you find helpful.<\/p><p>Outside of work, I love the snow and am a keen snowboarder.\u00a0 Most winters you will see me trying to get away for long weekends to the slopes in Switzerland or France.<\/p><p><strong>Email<\/strong>\u00a0&#8211;\u00a0<a href=\"mailto:katy@helpandadvice.co.uk\">katy@helpandadvice.co.uk<\/a><\/p><p><strong>LinkedIn<\/strong>\u00a0&#8211;\u00a0<a href=\"https:\/\/www.linkedin.com\/in\/katy-davies-b518b1200\/\" target=\"_blank\" rel=\"noopener\">Connect with me<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7f49dff elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7f49dff\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-60f00aa\" data-id=\"60f00aa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d295c94 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d295c94\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-35f1c3ef\" data-id=\"35f1c3ef\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-305783b0 elementor-widget elementor-widget-text-editor\" data-id=\"305783b0\" 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<h3 style=\"text-align: center;\">Frequently Asked Questions<\/h3>\n<h5><b>What are IVA Calculators?<\/b><\/h5>\n<p><span style=\"font-weight: 400;\">IVA calculators are online tools used by people undergoing contemplation of an <\/span><span style=\"font-weight: 400;\">insolvency<\/span><span style=\"font-weight: 400;\">. The calculators help people see how much debt they would need to repay to their creditors and how much debt would get written off.\u00a0<\/span><\/p>\n<h5><b>Are IVA calculators reliable?<\/b><\/h5>\n<p><span style=\"font-weight: 400;\">An IVA calculator is a good way of estimating what your monthly repayment amount would be, and whether this is affordable for you.\u00a0<\/span><\/p>\n<h5><b>How does a calculator work for IVAs?<\/b><\/h5>\n<p><span style=\"font-weight: 400;\">You will be asked to give details of the number of different creditors that you owe money to, as well as the total amount owed. You might also need to provide your income and monthly outgoings as well. <\/span><\/p>\n<h5><b>What happens once I set up my IVA?\u00a0<\/b><\/h5>\n<p><span style=\"font-weight: 400;\">Once it is all set up you can be reassured as your creditors can no longer contact you!\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your job, then, is to make all of your monthly payments on time for the next 60 months.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When this time comes to an end the remainder of your unsecured debts are written off. You are officially debt free!\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-dbcede3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dbcede3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-65997396\" data-id=\"65997396\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-18334c16 elementor-widget elementor-widget-elementor-faq-schema\" data-id=\"18334c16\" data-element_type=\"widget\" data-widget_type=\"elementor-faq-schema.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t                                    <script type=\"application\/ld+json\">\n                    {\n                        \"@context\": \"https:\/\/schema.org\",\n                        \"@type\": \"FAQPage\",\n                        \"mainEntity\": [\n                         {\n                            \"@type\": \"Question\",\n                            \"name\": \"- What are IVA Calculators?<br \/>\n\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;IVA calculators are online tools used by people undergoing contemplation of an insolvency. The calculators help people see how much debt they would need to repay to their creditors and how much debt would get written off.&lt;\/p&gt;\n&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/iva-calculator&quot;&gt;&lt;strong&gt;&gt; CLICK HERE FOR MORE INFORMATION &lt;&lt;\/strong&gt;&lt;\/a&gt;&lt;\/p&gt;\"\n                            }\n                                                    },\n                                             {\n                            \"@type\": \"Question\",\n                            \"name\": \"- Are IVA calculators reliable?<br \/>\n\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;An IVA calculator is a good way of estimating what your monthly repayment amount would be, and whether this is affordable for you.&lt;\/p&gt;\n&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/iva-calculator&quot;&gt;&lt;strong&gt;&gt; CLICK HERE FOR MORE INFORMATION &lt;&lt;\/strong&gt;&lt;\/a&gt;&lt;\/p&gt;\"\n                            }\n                                                    },\n                                             {\n                            \"@type\": \"Question\",\n                            \"name\": \"- How does a calculator work for IVAs?\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;You will be asked to give details of the number of different creditors that you owe money to, as well as the total amount owed. You might also need to provide your income and monthly outgoings as well.&lt;\/p&gt;\n&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/iva-calculator&quot;&gt;&lt;strong&gt;&gt; CLICK HERE FOR MORE INFORMATION &lt;&lt;\/strong&gt;&lt;\/a&gt;&lt;\/p&gt;\"\n                            }\n                                                    },\n                                             {\n                            \"@type\": \"Question\",\n                            \"name\": \"- What happens once I set up my IVA? <br \/>\n\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;Once it is all set up you can be reassured as your creditors can no longer contact you!&lt;\/p&gt;\n&lt;p&gt;Your job, then, is to make all of your monthly payments on time for the next 60 months.&lt;\/p&gt;\n&lt;p&gt;When this time comes to an end the remainder of your unsecured debts are written off. You are officially debt free!&lt;\/p&gt;\n&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/iva-calculator&quot;&gt;&lt;strong&gt;&gt; CLICK HERE FOR MORE INFORMATION &lt;&lt;\/strong&gt;&lt;\/a&gt;&lt;\/p&gt;\"\n                            }\n                                                    }\n                    ]\n                    }\n                <\/script>\n                    \t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3bb1f08 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3bb1f08\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-002142e\" data-id=\"002142e\" 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20.791-32.161 39.308-52.628 54.253z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"elementor-share-btn elementor-share-btn_email\"\n\t\t\t\t\t\t\trole=\"button\"\n\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\taria-label=\"Share on email\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"elementor-share-btn elementor-share-btn_linkedin\"\n\t\t\t\t\t\t\trole=\"button\"\n\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\taria-label=\"Share on linkedin\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-linkedin\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>a IVA Calculator in What is an IVA?\u00a0 IVA, short for individual voluntary agreement, is a type of debt solution for unsecured debts. Since a secured loan or debt has collateral, you will not need to turn to debt write off. Your creditors will instead use whatever collateral you secured when making the agreement.\u00a0 This [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/posts\/15142"}],"collection":[{"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/comments?post=15142"}],"version-history":[{"count":44,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/posts\/15142\/revisions"}],"predecessor-version":[{"id":44511,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/posts\/15142\/revisions\/44511"}],"wp:attachment":[{"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/media?parent=15142"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/categories?post=15142"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/tags?post=15142"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}