IVA
CRITERIA
* Minimum of £17,000 of unsecured debt
* At least three creditors and two lines of credit (i.e. not all Lloyds TSB)
* Debtors must be based in England and Wales (IVAs not relevant in Scotland )
* Tenant IVAs are straight forward proposals for 5 years
* Homeowners are obliged to seek to introduce a sum in place of their equity in year 5
of arrangement. If they cannot remortgage they can consider introducing a third
party sum instead or adding extra contributions.
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