{"id":15241,"date":"2021-03-15T14:44:35","date_gmt":"2021-03-15T14:44:35","guid":{"rendered":"https:\/\/helpandadvice.co.uk\/?p=15241"},"modified":"2024-01-28T17:11:59","modified_gmt":"2024-01-28T17:11:59","slug":"is-an-iva-worth-it","status":"publish","type":"post","link":"https:\/\/helpandadvice.co.uk\/is-an-iva-worth-it\/","title":{"rendered":"Is An IVA Worth it?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"15241\" class=\"elementor elementor-15241\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-72c7e26b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"72c7e26b\" 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-1756106\" data-id=\"1756106\" 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-38fa7b14 elementor-widget elementor-widget-image\" data-id=\"38fa7b14\" 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\/03\/Is-An-IVA-Worth-It.webp 1200w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/03\/Is-An-IVA-Worth-It-300x113.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/03\/Is-An-IVA-Worth-It-1024x384.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/03\/Is-An-IVA-Worth-It-768x288.webp 768w\"sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/03\/Is-An-IVA-Worth-It.jpg\" alt=\"Is An IVA Worth It\" height=\"450\" width=\"1200\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/03\/Is-An-IVA-Worth-It.jpg 1200w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/03\/Is-An-IVA-Worth-It-300x113.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/03\/Is-An-IVA-Worth-It-1024x384.jpg 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/03\/Is-An-IVA-Worth-It-768x288.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"attachment-full size-full wp-image-15257 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-559a4d3a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"559a4d3a\" 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-23f2042a\" data-id=\"23f2042a\" 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-42c363cc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"42c363cc\" 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-50b726a8\" data-id=\"50b726a8\" 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-5b9f78f3 elementor-widget elementor-widget-text-editor\" data-id=\"5b9f78f3\" 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<p style=\"text-align: left;\"><strong><span style=\"color: #000000;\">April 2024<\/span><\/strong><\/p><h1 style=\"text-align: center;\">Is An IVA Worth It in April 2024<\/h1>\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-78117cb5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"78117cb5\" 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-7fb3606e\" data-id=\"7fb3606e\" 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-229d5a78 elementor-widget elementor-widget-text-editor\" data-id=\"229d5a78\" 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>Being in debt is stressful, and it can be really hard to know what to do! Luckily, we break down how an IVA, one type of debt solution, could help.\u00a0<\/p><p>By looking at the perks and drawbacks of IVAs we can help you to figure out if an IVA is worth it. Before agreeing to an IVA, though, it is smart to talk through your plans with your family and a professional advisor.<br \/><br \/>Keep reading below to find out if an IVA could be a solution for your unsecured debt.<\/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-1be35a34 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1be35a34\" 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-26f774ff\" data-id=\"26f774ff\" 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-38266750 elementor-widget 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.elementor-toc__list-item-text{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.elementor-toc__list-items--collapsible>.elementor-toc__list-wrapper>.elementor-toc__list-item>.elementor-toc__list-wrapper{display:none}.elementor-toc__heading-anchor{position:absolute}.elementor-toc__body .elementor-toc__list-item-text{color:var(--item-text-color);-webkit-text-decoration:var(--item-text-decoration);text-decoration:var(--item-text-decoration)}.elementor-toc__body .elementor-toc__list-item-text:hover{color:var(--item-text-hover-color);-webkit-text-decoration:var(--item-text-hover-decoration);text-decoration:var(--item-text-hover-decoration)}.elementor-toc__body .elementor-toc__list-item-text.elementor-item-active{color:var(--item-text-active-color);-webkit-text-decoration:var(--item-text-active-decoration);text-decoration:var(--item-text-active-decoration)}ol.elementor-toc__list-wrapper{counter-reset:item}ol.elementor-toc__list-wrapper .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-11155ab0\" data-id=\"11155ab0\" 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-8853a22 elementor-widget elementor-widget-text-editor\" data-id=\"8853a22\" 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><p><iframe src=\"https:\/\/play.ht\/embed\/?article_url=https:\/\/play.ht\/drafts\/A0rTnOsV6cNAh2LJIKzXvRMuwrr2\/i3dNdOLB-&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-7223dea4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7223dea4\" 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-6418b81e\" data-id=\"6418b81e\" 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-612c0bc6 elementor-widget elementor-widget-text-editor\" data-id=\"612c0bc6\" 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-74e8f306 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"74e8f306\" 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-7549f03c\" data-id=\"7549f03c\" 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-4f97f63f elementor-widget elementor-widget-text-editor\" data-id=\"4f97f63f\" 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 an IVA affect your life?<\/b><\/h2><p data-slot-rendered-dynamic=\"true\">An IVA can have a positive or negative impact on your life. This is why you need to consider whether an IVA is right for you.\u00a0<\/p><p>The main benefit once an IVA is in place is that you are protected from your creditors. This means creditors cannot charge interest or take legal action during your IVA, so the amount you need to pay back is fixed.\u00a0<\/p><p>An IVA may also be a great option if you want to rebuild your credit ranking so that you have a better credit file for the future. Provided you meet all monthly repayments and pay off your debts, your debts will eventually be taken off your credit file. This can help you get things like car finance and mortgages in the future.\u00a0<\/p><p>However, it is worth really considering whether you can afford your IVA payments, as some people\u2019s debts are too high for their income. We recommend getting professional IVA advice from a debt advisor, to ensure you deal with your debt problem in the best way.<\/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-2bdc0502 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2bdc0502\" 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-7e5879da\" data-id=\"7e5879da\" 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-ade7de3 elementor-widget elementor-widget-text-editor\" data-id=\"ade7de3\" 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-63925135 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"63925135\" 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-56019e50\" data-id=\"56019e50\" 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-7d387430 elementor-widget elementor-widget-text-editor\" data-id=\"7d387430\" 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>Towards the end of IVA debt solutions you often have to give a lump payment to your creditors. If you cannot do this due to finances, an extra 12 months might be put onto the IVA. This means another 12 months until the IVA disappears from your credit file.<\/p><h2><b>What are the negatives of an IVA?<\/b><\/h2><p>During your IVA your\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/what-is-a-credit-rating-and-how-to-improve-it\/\">credit rate<\/a>\u00a0will fall. It will remain low for a year even after you complete the IVA.\u00a0<\/p><p>However, for most people that owe money and qualify for an IVA have a weak credit history anyway. So, in the long run, dealing with your debts using an IVA is a solution to low credit.\u00a0\u00a0<\/p><p>Many people entering into an IVA often find themselves having to\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/how-long-does-a-remortgage-take\/\">remortgage<\/a>\u00a0their home. However, with an IVA the remortgage normally happens in the last year of the legally binding agreement.\u00a0<\/p><p>That said, people that owe money for unsecured debts are often at risk of losing their home altogether. So it is definitely worth getting advice, as an IVA can help you keep your home even if you do have to remortgage with this solution.\u00a0<\/p><p>People entering into an IVA may also have to sell any assets they have of particularly high value. The reason for this is so that you can pay back the people you owe money to, somewhat, before the IVA begins.\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-6391df3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6391df3\" 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-7c6f2ae\" data-id=\"7c6f2ae\" 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-9eab6f0 elementor-widget elementor-widget-text-editor\" data-id=\"9eab6f0\" 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-5d4855b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5d4855b1\" 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-4a5cfc66\" data-id=\"4a5cfc66\" 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-449eaf84 elementor-widget elementor-widget-text-editor\" data-id=\"449eaf84\" 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>Finally, if you are unable to make a monthly repayment and this happens repeatedly your unsecured creditors might try and declare you bankrupt.\u00a0<\/p><p>Remember, an IVA is not suitable for secured debt, such as a secured loan or any other debt that has collateral.\u00a0<\/p><h2><b>What assets might I have to sell to give my creditors a lump sum?\u00a0<\/b><\/h2><p>In the past people may have to swap expensive cars with an expensive\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/retain-a-number-plate\/\">number plate<\/a>\u00a0for a cheaper vehicle. Other people have had to pay their creditors additional income they receive unexpectedly, like a one-off bonus.\u00a0<\/p><p>You have to declare all assets to the insolvency practitioner, who will then decide what you have to sell. However, the insolvency practitioner will be reasonable, for example you are unlikely to need to <a href=\"https:\/\/helpandadvice.co.uk\/best-thing-to-buy-and-sell\/\">sell things<\/a> like a phone and jewellery.\u00a0<\/p><p>Money in pension plans isn&#8217;t viewed as an asset by your insolvency practitioner. However, if you supplement your income with money from your pension then this is considered part of your monthly income. The insolvency practitioner would assess this when deciding what an affordable monthly payment might be for you.<\/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-3fdb2eef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3fdb2eef\" 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-5cf5f7d7\" data-id=\"5cf5f7d7\" 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-2671ee0d elementor-widget elementor-widget-text-editor\" data-id=\"2671ee0d\" 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-75b0ded9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"75b0ded9\" 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-76ab1b64\" data-id=\"76ab1b64\" 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-54f64a5e elementor-widget elementor-widget-text-editor\" data-id=\"54f64a5e\" 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 are unsure about your assets in an individual voluntary arrangement, or are trying to figure out \u2018Is an IVA worth it?&#8217; seek professional debt advice today. It might be that other debt solutions are better suited to your situation.<\/p><h2><b>How badly does an IVA affect credit rating?<\/b><\/h2><p data-slot-rendered-dynamic=\"true\">The lower your rating, the lower your likelihood is of being approved for credit. IVA&#8217;s cause your score to drop, however being in debt does this anyway! A low score also means you are offered worse interest rates for things like mortgages.\u00a0<\/p><div class=\"mv-ad-box\" data-slotid=\"content_6_btf\"><div class=\"mv-rail-frame\" data-slotid=\"content_6_btf\"><div class=\"mv-rail-slide\" data-slotid=\"content_6_btf\"><p>An <a href=\"https:\/\/helpandadvice.co.uk\/do-i-have-to-declare-an-iva-after-6-years\/\">IVA<\/a> stays on your credit file for six years in total. These 6 years begin from the date of IVA approval, even if you manage to complete the IVA early.<br \/><br \/>If you do achieve early completion though, the IVA will show on your\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/how-long-does-bankruptcy-stay-on-your-credit-report\/\">credit report<\/a>\u00a0as \u2018complete&#8217;, which can make it easier to get credit.<\/p><p>If your IVA debt solution happens to take longer than the planned six years, it will remain on your file and continue to affect your credit rating until you finish it.\u00a0<\/p><p>Also, creditors sometimes put a default on your file. A default shows that you broke the agreement you initially had with the creditors, and for this reason can put off future creditors you apply to.<\/p><\/div><\/div><\/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-3b29c2ec elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3b29c2ec\" 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-69193220\" data-id=\"69193220\" 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-1081bb2e elementor-widget elementor-widget-text-editor\" data-id=\"1081bb2e\" 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-4a095a7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4a095a7\" 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-295a174\" data-id=\"295a174\" 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-54a79a6 elementor-widget elementor-widget-image\" data-id=\"54a79a6\" 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\/03\/Individual-voluntary-arrangement-2.webp 1200w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/03\/Individual-voluntary-arrangement-2-300x75.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/03\/Individual-voluntary-arrangement-2-1024x256.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/03\/Individual-voluntary-arrangement-2-768x192.webp 768w\"sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/03\/Individual-voluntary-arrangement-2.jpg\" alt=\"Individual voluntary arrangement\" height=\"300\" width=\"1200\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/03\/Individual-voluntary-arrangement-2.jpg 1200w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/03\/Individual-voluntary-arrangement-2-300x75.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/03\/Individual-voluntary-arrangement-2-1024x256.jpg 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/03\/Individual-voluntary-arrangement-2-768x192.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"attachment-full size-full wp-image-15258 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-4413ca8f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4413ca8f\" 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-75f251fc\" data-id=\"75f251fc\" 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-3141b01 elementor-widget elementor-widget-text-editor\" data-id=\"3141b01\" 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 good thing is that once your IVA is approved creditors cannot add any more defaults to your record.\u00a0<\/p><h2><b>Will an IVA ruin my credit?<\/b><\/h2><p>An\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/how-often-is-credit-score-updated\/\">IVA<\/a>\u00a0is damaging to your credit file, though many people with debts find they have a low credit score anyway. So, working to resolve your debts is a wise move. An IVA can be a good way of doing this.<\/p><p data-slot-rendered-dynamic=\"true\">In the long-run an IVA provider can help you deal with remaining debt and eventually rebuild your credit file. This is why an IVA is a great way for dealing with certain types of debt.\u00a0<\/p><div class=\"mv-ad-box\" data-slotid=\"content_7_btf\"><div class=\"mv-rail-frame\" data-slotid=\"content_7_btf\"><div class=\"mv-rail-slide\" data-slotid=\"content_7_btf\"><p>Once you receive the certificate of completion, you will be taken off of the insolvency register within three months.\u00a0<\/p><p>You should remember, though, that any kind of debt solution weakens your\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/minimum-credit-score-for-mobile-phone-contract\/\">credit score<\/a>. That\u2019s if your debts haven\u2019t damaged it already. Luckily, once you have finished an IVA you can rebuild it. This increases your chances of approval for credit, for example a loan or hire purchase car.\u00a0<\/p><\/div><\/div><\/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-6dbce623 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6dbce623\" 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-79796788\" data-id=\"79796788\" 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-39e89a6c elementor-widget elementor-widget-text-editor\" data-id=\"39e89a6c\" 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-59fadbc8 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"59fadbc8\" 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-2ff7b24e\" data-id=\"2ff7b24e\" 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-1da3ce97 elementor-blockquote--skin-quotation elementor-blockquote--align-center elementor-blockquote--button-view-icon-text elementor-blockquote--button-skin-classic elementor-blockquote--button-color-official elementor-widget elementor-widget-blockquote\" data-id=\"1da3ce97\" data-element_type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor-pro - v3.12.2 - 09-04-2023 *\/\n@charset \"UTF-8\";.entry-content blockquote.elementor-blockquote:not(.alignright):not(.alignleft),.entry-summary blockquote.elementor-blockquote{margin-right:0;margin-left:0}.elementor-widget-blockquote blockquote{margin:0;padding:0;outline:0;font-size:100%;vertical-align:baseline;background:transparent;quotes:none;border:0;font-style:normal;color:#3a3f45}.elementor-widget-blockquote blockquote .e-q-footer:after,.elementor-widget-blockquote blockquote .e-q-footer:before,.elementor-widget-blockquote 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\"The main benefit once an IVA is in place is that you are protected from your creditors. This means creditors cannot charge interest or take legal action during your IVA, so the amount you need to pay back is fixed.\"\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=%22The+main+benefit+once+an+IVA+is+in+place+is+that+you+are+protected+from+your+creditors.+This+means+creditors+cannot+charge+interest+or+take+legal+action+during+your+IVA%2C+so+the+amount+you+need+to+pay+back+is+fixed.%22+%E2%80%94+Help+&amp;Advice&amp;url=https%3A%2F%2Fhelpandadvice.co.uk%2Fwp-json%2Fwp%2Fv2%2Fposts%2F15241\" 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-43c68ac7\" data-id=\"43c68ac7\" 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-571ec80 elementor-widget elementor-widget-text-editor\" data-id=\"571ec80\" 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>Will my partner suffer if I take an Individual Voluntary Arrangement?\u00a0<\/b><\/h2><p data-slot-rendered-dynamic=\"true\">An <a href=\"https:\/\/helpandadvice.co.uk\/will-an-iva-affect-my-partner\/\">IVA is a personal agreement and therefore will not affect your partner<\/a>. However, if you have to alter your mortgage, for example, this will obviously impact the lives of your loved ones too.<br \/><br \/>We recommend speaking to a debt adviser and\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/iva-mortgage\/\">mortgage lender<\/a>\u00a0before you pay any IVA fees. It is always best to deal with your debt at the earliest possible date, to avoid interest building up and\/or legal action being taken.\u00a0<\/p><h2><b>Can I still rent if I have an individual voluntary arrangement?<\/b><\/h2><p>Understandably, landlords can be reluctant to take on people that have an IVA. This is because they want to be assured that you have control of your finances and can afford your rent each month.\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-05b8306 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"05b8306\" 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-09aecf4\" data-id=\"09aecf4\" 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-7d6684e elementor-widget elementor-widget-image\" data-id=\"7d6684e\" 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\/03\/debt-solution.webp 1200w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/03\/debt-solution-300x75.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/03\/debt-solution-1024x256.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/03\/debt-solution-768x192.webp 768w\"sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/03\/debt-solution.jpg\" height=\"300\" width=\"1200\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/03\/debt-solution.jpg 1200w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/03\/debt-solution-300x75.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/03\/debt-solution-1024x256.jpg 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2021\/03\/debt-solution-768x192.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"attachment-full size-full wp-image-15259 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-459ff516 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"459ff516\" 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-274d4d63\" data-id=\"274d4d63\" 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-4ad2a9b4 elementor-widget elementor-widget-text-editor\" data-id=\"4ad2a9b4\" 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-42ae916a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"42ae916a\" 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-1acd7fe5\" data-id=\"1acd7fe5\" 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-608919c1 elementor-widget elementor-widget-text-editor\" data-id=\"608919c1\" 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 are already in a rental contract then your IVA shouldn\u2019t have any affect. And remember, an IVA is a debt solution, not a problem. So once you finish it your property options will be much more appealing.\u00a0<\/p><h2><b>What is the largest amount of debt that can be written off?\u00a0<\/b><\/h2><p>Firstly, no insolvency service will ever be able to write off all of your debts. Most people find that a licensed insolvency practitioner will be able to write off around 60% of your debt. Some people, though, find that this solution can write off up to 90%.\u00a0<\/p><p>You could try an online\u00a0<a href=\"https:\/\/helpandadvice.co.uk\/iva-calculator\/\" target=\"_blank\" rel=\"noopener\">IVA calculator<\/a>\u00a0to estimate how much of your debts an IVA might write off. But remember this is only an estimate. The actual amount you can have written off depends on your unique circumstances and the extent of your debt.\u00a0<\/p><p>Remember, IVAs are only for unsecured debts.<\/p><p>To decide whether an IVA is worth it, speak to a professional advisor. They can assess your current income, employment status, outgoings, and level of your unsecured debt. They can then give you advice about payments so you are able to make an informed IVA decision.\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-76d8e65e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"76d8e65e\" 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-45286839\" data-id=\"45286839\" 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-7052ee8c elementor-widget elementor-widget-text-editor\" data-id=\"7052ee8c\" 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-6efd4085 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6efd4085\" 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-381e33c3\" data-id=\"381e33c3\" 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-47fbad33 elementor-widget elementor-widget-text-editor\" data-id=\"47fbad33\" 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 will my monthly payments look like?\u00a0<\/b><\/h2><p>For an IVA, or protected trust deed for those in Scotland, there is no fixed minimum amount to be paid each month. However, it is rare for minimum payments to be below \u00a380 per month. Creditors are unlikely to accept an IVA proposal with very low monthly payments.<\/p><p>If you can only afford to pay a small amount each month over the five years (or four in Scotland) then it is still worth getting advice. You may be able to cut or reduce spending somewhere, using professional advice.<\/p><p>Alternatively, the advice service can see if there is another solution that might help you. For example you could consider a\u00a0debt management plan\u00a0or a debt relief order, instead of an IVA\/protected trust deed.\u00a0<\/p><p>Consider using a debt calculator to estimate the kind of monthly payments you might need to make to your creditors. Remember to always check the data protection policy of any online advice service or calculator before entering personal details.\u00a0<\/p><h2><b>Do IVA debt solutions cost money?\u00a0<\/b><\/h2><p>An individual voluntary arrangement does incur fees. The charges you have to pay for an IVA vary by provider.<\/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-6fea8bb6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6fea8bb6\" 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-232e4631\" data-id=\"232e4631\" 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-efeb1e0 elementor-widget elementor-widget-text-editor\" data-id=\"efeb1e0\" 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-600c4d1f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"600c4d1f\" 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-68106b15\" data-id=\"68106b15\" 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-778484e2 elementor-widget elementor-widget-text-editor\" data-id=\"778484e2\" 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 good thing is that payment for IVA costs, such as the set up and management fees, aren\u2019t demanded upfront. Instead, you \u2018pay\u2019 them indirectly: fees are taken off of the total amount of debt repayment the practitioner offers the creditors in the proposal.\u00a0<\/p><p>Remember, reliable debt advice also comes at a cost, too. Fees vary depending on provider, however, professional and official debt advice is always better than unreliable free services.\u00a0<\/p><h2><b>What are the advantages of this type of debt solution?\u00a0<\/b><\/h2><p data-slot-rendered-dynamic=\"true\">Whilst an IVA will inevitably damage your credit rating, fixing your debt can enable you to improve it in the long-run. Once your financial situation improves, thanks to the IVA, you are more likely to be accepted for things like a personal loan and credit cards.<\/p><p data-slot-rendered-dynamic=\"true\">The other key benefits of an IVA are having some of your debt written off and frozen interest. Therefore you have an opportunity to pay off your debt without the amount charged to your bank account building up.\u00a0<\/p><p data-slot-rendered-dynamic=\"true\">Furthermore, your creditors won\u2019t be able to take any legal action against you whilst you are in an IVA. Therefore an IVA removes the stress of being in debt, provided your monthly payments are affordable.\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-7b57cf90 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7b57cf90\" 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-624261e1\" data-id=\"624261e1\" 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-516f5360 elementor-widget elementor-widget-text-editor\" data-id=\"516f5360\" 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-7fdf7018 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7fdf7018\" 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-44591311\" data-id=\"44591311\" 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-3446cc3f elementor-widget elementor-widget-text-editor\" data-id=\"3446cc3f\" 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>Finally, an IVA can be a logistically easier debt solution. This is because you only have to make one IVA payment each month, rather than many separate payments to all your different creditors.\u00a0<\/p><h2><b>What impact will an IVA have on child support?<\/b><\/h2><p data-slot-rendered-dynamic=\"true\">If you have to pay child support, this is a legal obligation and is unlikely to be paused whilst on an IVA.\u00a0<\/p><p>That said, when your practitioner draws up your proposal they will consider this outgoing before presenting the final version to your creditors. They also consider other repayment obligations such as those for student loans.\u00a0<\/p><p>As all outgoings are considered before the proposal is presented, the repayment amount due each month is one that you should be able to afford.\u00a0<\/p><h2><b>Will I need to sell my home if an IVA is in place?<\/b><\/h2><p>Normally people in an IVA do not have to sell their home. That said, you may need to remortgage in the final year.\u00a0<\/p><p>The remortgage is a way of releasing a lump sum of money, to give as payment to your <a href=\"https:\/\/helpandadvice.co.uk\/why-would-a-creditor-refuse-an-iva\/\">creditors in the final year of the IVA<\/a>. Those that find they cannot make one large payment in the fifth year of their IVA often have to extend the agreement to six years.\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-5bacfb02 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5bacfb02\" 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-2562c942\" data-id=\"2562c942\" 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-2c8f360c elementor-widget elementor-widget-text-editor\" data-id=\"2c8f360c\" 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-460997ef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"460997ef\" 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-2b1ff474\" data-id=\"2b1ff474\" 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-f5b0506 elementor-widget elementor-widget-image\" data-id=\"f5b0506\" 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-1b998f08 elementor-widget elementor-widget-image\" data-id=\"1b998f08\" 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-480c277b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"480c277b\" 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-397b051b\" data-id=\"397b051b\" 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-13722801 elementor-widget elementor-widget-text-editor\" data-id=\"13722801\" 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-5f82939e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5f82939e\" 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-103914ec\" data-id=\"103914ec\" 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-44963d44 elementor-widget elementor-widget-text-editor\" data-id=\"44963d44\" 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-68db6891 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"68db6891\" 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-3ff63e3b\" data-id=\"3ff63e3b\" 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-7a716452 elementor-widget elementor-widget-text-editor\" data-id=\"7a716452\" 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-552de87\" data-id=\"552de87\" 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-1257aa61 elementor-widget elementor-widget-text-editor\" data-id=\"1257aa61\" 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-736b3dbf elementor-widget elementor-widget-text-editor\" data-id=\"736b3dbf\" 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-7d273189 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7d273189\" 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-3875bd22\" data-id=\"3875bd22\" 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-11a04f51 elementor-widget elementor-widget-image\" data-id=\"11a04f51\" 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-679c8107 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"679c8107\" 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-5c5d0a75\" data-id=\"5c5d0a75\" 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-365fff0b elementor-widget elementor-widget-image\" data-id=\"365fff0b\" 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-7d93b63\" data-id=\"7d93b63\" 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-42d8379e elementor-widget elementor-widget-text-editor\" data-id=\"42d8379e\" 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-9b924ee elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9b924ee\" 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-530020d5\" data-id=\"530020d5\" 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-7a98a7ca elementor-widget elementor-widget-text-editor\" data-id=\"7a98a7ca\" 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-42a66799 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"42a66799\" 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-4cf98da1\" data-id=\"4cf98da1\" 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-5b53e57 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5b53e57\" 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-9be19e1\" data-id=\"9be19e1\" 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-76681b6 elementor-widget elementor-widget-text-editor\" data-id=\"76681b6\" 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-35e7ebb elementor-widget elementor-widget-image\" data-id=\"35e7ebb\" 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\/james-lloyd-1-2.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/james-lloyd-1-2-300x300.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/james-lloyd-1-2-150x150.webp 150w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/james-lloyd-1-2-768x768.webp 768w\"sizes=\"(max-width: 1024px) 100vw, 1024px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/james-lloyd-1-2.jpeg\" height=\"1024\" width=\"1024\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/james-lloyd-1-2.jpeg 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/james-lloyd-1-2-300x300.jpeg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/james-lloyd-1-2-150x150.jpeg 150w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/james-lloyd-1-2-768x768.jpeg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" class=\"attachment-large size-large wp-image-12734 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-bc1cf1f\" data-id=\"bc1cf1f\" 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-90ceeaf elementor-widget elementor-widget-text-editor\" data-id=\"90ceeaf\" 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>James Lloyd<\/h3>\n<p>I am the primary writer and author for Help and Advice, having originally helped start the site because I recognised that there was a need for easy to read, free and comprehensive information on the web. I have been able to use my background in finance to produce a number of articles for the site. This is a tool that provides you with practical advice on improving your personal financial health.<\/p>\n<p>Outside of work I am a keen rugby player and used to play up to a semi-professional level before the years of injury finally took their toll.\u00a0 Now you are more likely to see me in the clubhouse enjoying the game.<\/p>\n<p><strong>Email<\/strong>\u00a0&#8211;\u00a0<a href=\"mailto:james@helpandadvice.co.uk\">james@helpandadvice.co.uk<\/a><\/p>\n<p><strong>Linked in<\/strong>\u00a0&#8211;\u00a0<a href=\"https:\/\/www.linkedin.com\/in\/james-lloyd-91b8711ba\/\" 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-553bcf1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"553bcf1\" 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-90ad61f\" data-id=\"90ad61f\" 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-7190777c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7190777c\" 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-45cf213a\" data-id=\"45cf213a\" 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-5970df9e elementor-widget elementor-widget-text-editor\" data-id=\"5970df9e\" 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><h5><b>How does an IVA affect your life?<\/b><\/h5><p><span style=\"font-weight: 400;\">An IVA can have a positive or negative impact on your life. This is why you need to consider whether an IVA is right for you.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">The main benefit once an IVA is in place is that you are protected from your creditors. This means creditors cannot charge interest or take legal action during your IVA, so the amount you need to pay back is fixed.\u00a0<\/span><\/p><h5><b>What are the negatives of an IVA?<\/b><\/h5><p><span style=\"font-weight: 400;\">During your IVA your credit rate will fall. It will remain low for a year even after you complete the IVA.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">However, for most people that owe money and qualify for an IVA have a weak credit history anyway. So, in the long run, dealing with your debts using an IVA is a solution to low credit.\u00a0<\/span><\/p><h5><b>What assets might I have to sell to give my creditors a lump sum?\u00a0<\/b><\/h5><p><span style=\"font-weight: 400;\">In the past people may have to swap expensive cars with an expensive <a href=\"https:\/\/helpandadvice.co.uk\/retain-a-number-plate\/\">number plate<\/a> for a cheaper vehicle. Other people have had to pay their creditors additional income they receive unexpectedly, like a one-off bonus.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">You have to declare all assets to the insolvency practitioner, who will then decide what you have to sell. However, the insolvency practitioner will be reasonable, for example you are unlikely to need to sell things like a phone and jewellery.\u00a0<\/span><\/p><h5><b>How badly does an IVA affect credit rating?<\/b><\/h5><p><span style=\"font-weight: 400;\">The lower your rating, the lower your likelihood is of being approved for credit. IVA&#8217;s cause your score to drop, however being in debt does this anyway! A low score also means you are offered worse interest rates for things like mortgages. <\/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-66e9f995 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"66e9f995\" 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-426cf1f8\" data-id=\"426cf1f8\" 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-6b7b11a8 elementor-widget elementor-widget-elementor-faq-schema\" data-id=\"6b7b11a8\" 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\": \"- How does an IVA affect your life?<br \/>\n<br \/>\n\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;An IVA can have a positive or negative impact on your life. This is why you need to consider whether an IVA is right for you.\u00a0&lt;\/p&gt;\n&lt;p&gt;The main benefit once an IVA is in place is that you are protected from your creditors. This means creditors cannot charge interest or take legal action during your IVA, so the amount you need to pay back is fixed.\u00a0&lt;\/p&gt;\n&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/is-an-iva-worth-it\/&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 are the negatives of an IVA?<br \/>\n<br \/>\n\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;During your IVA your credit rate will fall. It will remain low for a year even after you complete the IVA.\u00a0&lt;\/p&gt;\n&lt;p&gt;However, for most people that owe money and qualify for an IVA have a weak credit history anyway. So, in the long run, dealing with your debts using an IVA is a solution to low credit.\u00a0&lt;\/p&gt;\n&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/is-an-iva-worth-it\/&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 assets might I have to sell to give my creditors a lump sum?\u00a0<br \/>\n\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;In the past people may have to swap expensive cars for a cheaper vehicle. Other people have had to pay their creditors additional income they receive unexpectedly, like a one-off bonus.\u00a0&lt;\/p&gt;\n&lt;p&gt;You have to declare all assets to the insolvency practitioner, who will then decide what you have to sell. However, the insolvency practitioner will be reasonable, for example you are unlikely to need to sell things like a phone and jewellery.\u00a0&lt;\/p&gt;\n&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/is-an-iva-worth-it\/&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 badly does an IVA affect credit rating?<br \/>\n\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;The lower your rating, the lower your likelihood is of being approved for credit. IVA\u2019s cause your score to drop, however being in debt does this anyway! A low score also means you are offered worse interest rates for things like mortgages.&lt;\/p&gt;\n&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/is-an-iva-worth-it\/&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-2ec5d12 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2ec5d12\" 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-e8fd2ae\" data-id=\"e8fd2ae\" 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-158975d6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"158975d6\" 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-7f9fad51\" data-id=\"7f9fad51\" 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-43b7bdd elementor-widget elementor-widget-text-editor\" data-id=\"43b7bdd\" 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>Share this page<\/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-434d0a7 elementor-share-buttons--view-icon elementor-share-buttons--shape-circle elementor-share-buttons--align-left elementor-share-buttons--color-custom elementor-share-buttons--skin-gradient elementor-grid-0 elementor-widget elementor-widget-share-buttons\" data-id=\"434d0a7\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/helpandadvice.co.uk\/wp-content\/plugins\/elementor-pro\/assets\/css\/widget-share-buttons.min.css\">\t\t<div class=\"elementor-grid\">\n\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 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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>Is An IVA Worth It in Being in debt is stressful, and it can be really hard to know what to do! Luckily, we break down how an IVA, one type of debt solution, could help.\u00a0 By looking at the perks and drawbacks of IVAs we can help you to figure out if an IVA [&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\/15241"}],"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=15241"}],"version-history":[{"count":52,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/posts\/15241\/revisions"}],"predecessor-version":[{"id":44507,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/posts\/15241\/revisions\/44507"}],"wp:attachment":[{"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/media?parent=15241"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/categories?post=15241"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/tags?post=15241"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}