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Insolvency IVA

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What happens after an IVA

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Advantage 1 of IVAs
An IVA provides protection to an insolvent Debtor

All the unsecured creditors who are party to an Individual Voluntary Arrangement (IVA) are bound by the terms and conditions of the insolvency contract. Since the views of only the voting creditors are followed, an unhappy creditor cannot take any legal action or other enforcement to recover a debt but can submit a claim to the IVA supervisor and get the dues as per the conditions specified in the IVA contract.
Advantage 2 Of IVAs
An IVA is less expensive to undertake

Another advantage of an IVA is that it is significantly less expensive in comparison to a bankruptcy because the Insolvency Practitioner is not required to deposit funds in the Insolvency Services Account as in the case of bankruptcy proceedings against the insolvent debtor. In case of a bankruptcy, the funds deposited in the Insolvency Services Account attract levies and an ad valorem charge of 17% on all deposits made after the initial £2,000.

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Advantage 3 of IVA
No Stigma attached with an IVA

An Individual Voluntary Arrangement (IVA) is a personal agreement between a debtor and the creditors. A Bankruptcy, on the other hand, is publicly advertised in a local newspaper and the London Gazette. In this way, an IVA does not carry the stigma associated with a bankruptcy.
Advantage 4 of IVA
No dearth of future credit

Unlike a Bankruptcy, the advantage of an IVA is that it does not compulsorily restrict a debtor from obtaining any future credit. A bankruptcy debars an individual form having access to credit for a specified period of time. This provision makes the bankruptcy proceeding all the more painful because the credit history of the debtor is blemished forever. However, there are no such issues in case of an Individual Voluntary Arrangement. A debtor can get credit without any restrictions even after signing an IVA