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The advantages of an Individual Voluntary Arrangement IVA include: Disadvantages of an Individual Voluntary Arrangement IVA The Procedure for an Individual Voluntary Arrangement IVA Interim order: for an Individual Voluntary Arrangement IVA Creditors Meeting for an Individual Voluntary Arrangement IVA Challenging the Individual Voluntary Arrangement IVA Conduct of the Individual Voluntary Arrangement IVA Q & A Individual Voluntary Arrangement IVA Informal Personal Plan (Debt Management) What is an Informal Debt Solution? The Main Aim Of An Informal Solution: What will it achieve for you? A Word Of Caution How will your creditors react to your Informal Personal Plan? Correspondence you may receive from your creditors: Things you must do/ and inform your advisor: Advantages of an Informal arrangement. (DMP) Disadvantages of an Informal arrangement. (DMP) Is it a loan? How long will my Debt Management Plan (DMP) last? Will my creditors agree to my a payment? Will interest and charges be frozen? Can my creditors still issue me with a County Court Judgement? (CCJ) Will I get a default notice? How do I make the payments? Can I cancel my debt management plan when I like? Who informs the creditors? How is my credit rating affected? Do creditors stop making calls and sending letters? Bankruptcy What is Bankruptcy? How am I made Bankrupt? Where is the Bankruptcy Order made? Who will deal with my Bankruptcy? Who do I need to tell? When will my Bankruptcy end? What are your duties as a Bankrupt? What effect will Bankruptcy have on your credit rating? Payment to your creditors in Bankruptcy What happens to your Assets in Bankruptcy? What happens to your property in Bankruptcy? What is a bankruptcy restriction notice? What is a form J restriction? What happens in Bankruptcy if I rent my house? What happens to your pension in Bankruptcy? What happens to your life assurance policy in Bankruptcy? 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