Legislation regarding Individual Voluntary Arrangements (IVAs) was introduced as part of The Insolvency Act of 1986, and covers England, Wales and Northern Ireland. This type of legislation was introduced to help those with high levels of debt who cannot afford to make repayments to their unsecured debt.
Before the Insolvency Act was introduced, the only other option was bankruptcy. But an Individual Voluntary Arrangement is a practical alternative to bankruptcy, which allows you to avoid some of the bankruptcy implications.
If you are confused about the differences between IVA and bankruptcy or just want further IVA information, call today on 0800 048 1766.