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Individual Voluntary Arrangement (IVA): Interest and charges are stopped whilst your repay what you can afford over a period of time after which the remaining debts are written off.

What Is An IVA?
An Individual Voluntary Arrangement (IVA) is an agreement designed to help people with unsecured debts who cannot afford the minimum monthly repayments.
As long as you are able to commit to an agreed regular monthly repayment over a period of usually 60 months, the remainder of your debt could be written off. With an IVA you get:-

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