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What is an IVA?
An IVA is an agreement between you and your creditors to repay your debts at an affordable amount and for a set period of time (usually 60 months).
An IVA is a formal procedure backed by UK law. Once an IVA is set up, all interest and charges will be frozen and you will only make one single regular payment for all your unsecured debts.
The IVA will provide you with legal protection from your creditors taking any action against you to recover their debt. They will not be allowed to call or write to you demanding payments, they cannot instruct bailiffs and cannot continue any legal action.
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