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  • Reduce your monthly payments by up to 70%

  • Freeze or lower interest & charges

  • Stop dealing with your creditors

  • Get expert help and guidance

How to Pick the Best IVA Company

If you are looking for an IVA company then you should be choosy in the marketplace. There are so many companies advertising the best debt solutions in the world that it is hard to know which one to choose if you happen to be panicking about your finances, let alone taking the time to check into the individual company's background. However, most debt solutions rely on a gentlemans agreement rather than actually providing you with the peace of mind that a fixed and legally binding agreement can bring.

If you want to get a proper debt solution that you can trust, you should register with an IVA company. The IVA company will help you communicate with your Insolvency Practitioner (IP) who will be overseeing your IVA. It is very hard to find a good IP with a good reputation. Fortunately, finding a reputable IVA company is not as hard.

If you want to save yourself time and hassle then follow these tips:

1. Do you know people who have gotten their IVAs already? Get a recommendations so you know which companies you might want to go with and which you want to avoid.

2. Phone a few companies and see how you feel about them. If you do not like how you were treated on a phone by a particular advisor, just forget about that IVA company because that is not likely to change when you visit in person. After you phone a few companies, agree to meet with 2 or 3 of them so you have more options.

3. Don't pay for the initial consultation. The initial consultation and paperwork should be free of charge. Before any work is done, make sure that the IVA company does a thorough analysis of your financial situation. This is very important.

4. Never choose a company that guarantees you an IVA. Until the majority of companies that you hold debts with have agreed to the IVA then your application may still be rejected. The companies that say otherwise are only after your money. Also, beware of those stating that you will only have a low premium at the end of it because if it sounds too good to be true then it most likely is!

5. The last important point is that you should look for a refund guarantee on any payments that you need to make before the IVA is completed. If you don't get such a guarantee and your IVA is turned down, the IVA company does not have to give you your money back. If you make sure that you get such a guarantee, you save yourself money and aggravation in the future.