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The following article was published in our article directory on November 20, 2009.
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19% Of Students Suppose They May Have To Enter An IVA

Article Category: Finances

United Kingdom, despite its huge wealth and welfare system, has a drawback as well. It is not really a downside, but more of a security arrangement to evade personal and financial adversities. Take for example, the IVA (Individual Voluntary Agreement) that enables a person or organisation to prevent bankruptcy. IVA was introduced through an act in 1986.

The most unusual feature of an IVA is to help both the creditor and the debtor. If a debtor is unable to pay the loan, he or she will most probably face a bankruptcy. IVA is the final road block against that serious situation. Under the most general arrangements, an IVA helps the creditor to set some terms and conditions for the debtor. These include:

• The agreement that the debtor will pay a certain percentage of the total loan. This helps the debtor to avoid paying the full loan. The creditor, on the other hand, turn away from an expensive battle in the court. At the end of the day, he also gets some money back.

• IVA helps the debtor to live a normal life without any harassment or abuse by the law enforcement agencies.

• The interest rates are kept frozen during the tenure of the IVA. So, the debtor will not have to pay any additional money due to interest accumulation.

Due to worsening financial situation in the UK, IVA agreements are on the rise. This is particularly true in the student community. As, a lot of students seek financial help, mostly in the shape of loans, they have to make regular payments to evade delinquencies. The economic crisis has affected these students seriously. They are unable to pay the interest on time and face harassment by the creditors.

That is the reason why many students, as high as 19% according to some estimations, are feeling the need to enter into an IVA with their creditors. This is essentially an appreciable decision. An IVA can save their career and future. Most of these students are also doing some kind of jobs and earning basic pays. If they do not go for an IVA, they can confront bankruptcy and even a jail sentence. That would prove harmful to their careers and future outlooks.

If you are confronting a similar situation in your life where your finances are not working, try an IVA arrangement. As mentioned above, an IVA can save your education, career and future perspectives. Luckily, there are large number of options for students to arrange an IVA. They just need to discuss with their creditor and work out the details of the agreement. A basic payment has to be made in any case as no creditor is generous enough to absolve your loans. The trick lies in thinking of a practicable solution. Aside from the rescheduling of interest rates, you can ask for a longer period of time to pay over the debt. Likewise, the amount of monthly payments can also be sorted out if you work with endurance.

Keywords: Debt solutions, debts, debt help, debt advice, consolidate debt, financial advice, debt, finance, financial problems

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