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	<title>Harrington Brooks Personal Finance &#187; IVA Information</title>
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		<title>IVA</title>
		<link>http://www.harringtonbrooks.co.uk/finances/iva/</link>
		<comments>http://www.harringtonbrooks.co.uk/finances/iva/#comments</comments>
		<pubDate>Wed, 07 Apr 2010 14:23:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[IVA Information]]></category>

		<guid isPermaLink="false">http://www.harringtonbrooks.co.uk/finances/?p=431</guid>
		<description><![CDATA[
			
				
			
		
Every day in the UK, it’s estimated that an average of 390 adults become insolvent. This is in spite of hearing about the green shoots of recovery for a while now and the housing market is slowly showing signs of improvement. However, it’s understandable that the period of recovery may be drawn out by the [...]]]></description>
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		<title>IVAs and Bad Credit</title>
		<link>http://www.harringtonbrooks.co.uk/finances/ivas-and-bad-credit/</link>
		<comments>http://www.harringtonbrooks.co.uk/finances/ivas-and-bad-credit/#comments</comments>
		<pubDate>Wed, 02 Dec 2009 13:48:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[IVA Information]]></category>

		<guid isPermaLink="false">http://www.harringtonbrooks.co.uk/finances/?p=305</guid>
		<description><![CDATA[
			
				
			
		
Is a bad credit rating preventing you from getting the finance you need? Are you struggling with high levels of unaffordable debt? If so, you may find that a debt solution, such as an Individual Voluntary Arrangement, could prove to be the debt solution that you are looking for. Of course, a debt solution should [...]]]></description>
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		<title>6 points about the IVA</title>
		<link>http://www.harringtonbrooks.co.uk/finances/6-points-about-the-iva/</link>
		<comments>http://www.harringtonbrooks.co.uk/finances/6-points-about-the-iva/#comments</comments>
		<pubDate>Tue, 24 Nov 2009 11:37:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[IVA Information]]></category>

		<guid isPermaLink="false">http://www.harringtonbrooks.co.uk/finances/?p=291</guid>
		<description><![CDATA[
			
				
			
		

First appearing in the 1986 Insolvency Act, the popularity of the Individual Voluntary Agreement (IVA) has soared in credit crunch Britain. However, due to the different legal systems, they are only available in England, Wales and Northern Ireland.


IVAs are legally binding and must therefore be drawn up by a licensed insolvency practitioner and presented to [...]]]></description>
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		<title>Can An IVA Beat The 4 Minute Bankruptcy?</title>
		<link>http://www.harringtonbrooks.co.uk/finances/can-an-iva-beat-the-4-minute-bankruptcy/</link>
		<comments>http://www.harringtonbrooks.co.uk/finances/can-an-iva-beat-the-4-minute-bankruptcy/#comments</comments>
		<pubDate>Mon, 23 Nov 2009 13:58:19 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[IVA Information]]></category>

		<guid isPermaLink="false">http://www.harringtonbrooks.co.uk/finances/?p=288</guid>
		<description><![CDATA[
			
				
			
		
Breaking the four minute mark is something that has been traditionally heralded as a bit of a triumph. Ever since Roger Bannister’s breaking of the four minute mile in 1954, it has become synonymous with accomplishment, a source of pride and a benchmark for achievement.
Well, there is nothing to be proud of in passing our [...]]]></description>
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		<title>The facts about IVAs</title>
		<link>http://www.harringtonbrooks.co.uk/finances/the-facts-about-ivas/</link>
		<comments>http://www.harringtonbrooks.co.uk/finances/the-facts-about-ivas/#comments</comments>
		<pubDate>Thu, 19 Nov 2009 14:00:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[IVA Information]]></category>

		<guid isPermaLink="false">http://www.harringtonbrooks.co.uk/finances/?p=284</guid>
		<description><![CDATA[
			
				
			
		
An IVA is a legally binding contract between you and your creditors. It allows a person to make a formal proposal to settle a debt within a reasonable and fixed period of time. A licensed Insolvency Practitioner makes a proposal to your creditors and negotiates on your behalf. You just have to disclose all of [...]]]></description>
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		<title>Bankruptcy Woes of the Over 45s</title>
		<link>http://www.harringtonbrooks.co.uk/finances/bankruptcy-woes-of-the-over-45s/</link>
		<comments>http://www.harringtonbrooks.co.uk/finances/bankruptcy-woes-of-the-over-45s/#comments</comments>
		<pubDate>Mon, 12 Oct 2009 14:43:01 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Advice about bankruptcy]]></category>
		<category><![CDATA[IVA Information]]></category>

		<guid isPermaLink="false">http://www.harringtonbrooks.co.uk/finances/?p=197</guid>
		<description><![CDATA[
			
				
			
		
A recent study suggests that it is not only the excessive spending of the young and reckless that can lead to bankruptcy. Startling figures show that it is in fact the supposedly sound heads of the over-45s that are actually experiencing the greatest increase in the number of bankruptcies.

Between 2004 and 2008, the UK has [...]]]></description>
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		<title>No debt exemption for high income earners</title>
		<link>http://www.harringtonbrooks.co.uk/finances/no-debt-exemption/</link>
		<comments>http://www.harringtonbrooks.co.uk/finances/no-debt-exemption/#comments</comments>
		<pubDate>Fri, 09 Oct 2009 09:15:01 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Crunch]]></category>
		<category><![CDATA[IVA Information]]></category>

		<guid isPermaLink="false">http://www.harringtonbrooks.co.uk/finances/?p=195</guid>
		<description><![CDATA[
			
				
			
		
Recent figures released suggest that UK debt problems are not solely the reserve of those on lower incomes. It seems that a near boundless supply of easy credit, followed up with the sting of the credit crunch, has forced even the most affluent to seek out debt support. Admittedly, the roots of their financial strife may [...]]]></description>
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		<title>What is an IVA?</title>
		<link>http://www.harringtonbrooks.co.uk/finances/what-is-an-iva/</link>
		<comments>http://www.harringtonbrooks.co.uk/finances/what-is-an-iva/#comments</comments>
		<pubDate>Mon, 21 Sep 2009 11:36:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Advice about bankruptcy]]></category>
		<category><![CDATA[IVA Information]]></category>

		<guid isPermaLink="false">http://www.harringtonbrooks.co.uk/finances/?p=162</guid>
		<description><![CDATA[
			
				
			
		
IVA stands for Individual Voluntary Arrangement.
Essentially, it’s a formal agreement between you and your unsecured creditors, allowing you to make more manageable payments towards your total amount of debt. The result being that you pay off a percentage of that total and, after about 60 months, the debt is considered settled. Your level of monthly [...]]]></description>
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		<title>What is a Trust Deed?</title>
		<link>http://www.harringtonbrooks.co.uk/finances/what-is-a-trust-deed/</link>
		<comments>http://www.harringtonbrooks.co.uk/finances/what-is-a-trust-deed/#comments</comments>
		<pubDate>Fri, 18 Sep 2009 08:53:52 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[IVA Information]]></category>

		<guid isPermaLink="false">http://www.harringtonbrooks.co.uk/finances/?p=153</guid>
		<description><![CDATA[
			
				
			
		
A Trust Deed is a formal agreement between your and  your unsecured creditors by which you can make repayments over a specified period. It’s legally binding and can be a viable alternative to filing for bankruptcy and can prove to be a highly effective form of debt management.

In order to establish a Trust Deed, a [...]]]></description>
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		<title>Get Informed About IVAs</title>
		<link>http://www.harringtonbrooks.co.uk/finances/get-informed-about-ivas/</link>
		<comments>http://www.harringtonbrooks.co.uk/finances/get-informed-about-ivas/#comments</comments>
		<pubDate>Thu, 07 Feb 2008 11:13:45 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[IVA Information]]></category>

		<guid isPermaLink="false">http://www.harringtonbrooks.co.uk/finances/get-informed-about-ivas/</guid>
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Imagine the following scenario: thanks to some windfall, or careful saving for many months, you have managed to pay off all your debt. How does that make you feel? Are you unhappy that you do not know what to do with your money? are you frustrated that you no longer have to fret over unpaid [...]]]></description>
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