{"id":3922,"date":"2014-01-30T12:13:26","date_gmt":"2014-01-30T12:13:26","guid":{"rendered":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/?p=3922"},"modified":"2019-03-21T12:23:20","modified_gmt":"2019-03-21T12:23:20","slug":"iva-and-ccjs","status":"publish","type":"post","link":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/iva-and-ccjs\/","title":{"rendered":"IVA and CCJs"},"content":{"rendered":"\n<p>If you\u2019ve had a County Court Judgement (CCJ) issued against you, it can  seem like you have very few options as time passes. However, this is not  necessarily the case, and there are measures that may indeed help your  situation. There is no barrier to gaining an Individual Voluntary  Arrangement if you have had CCJs in the past.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Advice<\/h2>\n\n\n\n<p>Naturally, the best way to establish what options you have and to choose between them is to speak to a professional. If \nyou\u2019re facing bankruptcy, you may want to secure the services of an \nInsolvency Practitioner. They will get an overview of your finances and \noffer guidance as to what move to make next.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Interim Orders<\/h2>\n\n\n\n<p>If you are being threatened with CCJs, an IVA may be well worth \nconsidering. Once you and your IP have decided to go for an IVA, your IP\n will apply to the court for an Interim Order. This will prevent any \nlegal action from being taken against you for the time being for the \ndebts concerned. Starting the IVA process therefore puts the situation \non hold legally and gives you a little breathing space to work out what \nyou should do.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Protection<\/h2>\n\n\n\n<p>If you do end up proposing an IVA that is accepted by your creditors,\n the IVA itself also prevents them from pursuing you through the courts.\n The IVA is a legally binding contract, and as long as you keep to your \nside of the arrangement, you should not need to worry about any further \nlegal action from your creditors.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"424\" height=\"283\" src=\"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-content\/uploads\/2019\/03\/Fotolia_6790790_XS.jpg\" alt=\"IVA offers protection agaist your creditors\" class=\"wp-image-3931\" srcset=\"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-content\/uploads\/2019\/03\/Fotolia_6790790_XS.jpg 424w, https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-content\/uploads\/2019\/03\/Fotolia_6790790_XS-300x200.jpg 300w\" sizes=\"auto, (max-width: 424px) 100vw, 424px\" \/><\/figure>\n\n\n\n<p>Once the IVA term has elapsed, and you have met the requirements of \nit, your debts will effectively be settled, even though in most cases \nyou will only have paid a portion of them back. This means that your \ncreditors are not going to be able to take any action against you again,\n providing you do manage to keep to the IVA payments.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mediation<\/h2>\n\n\n\n<p>Spiralling debt is an extremely stressful thing to experience, and \nthreats of legal action just make life even harder at an already \ndifficult time. The level of legal protection that an IVA offers you is \ntherefore seriously valuable. Also, you won\u2019t need to worry about the \nstress of dealing with your creditors personally, as your IP will handle\n all of the negotiations with them on your behalf.<\/p>\n\n\n\n<p>Having debts that have gotten out of control can make your situation \nvery insecure, but using measures such as an IVA can genuinely help to \nget things in hand.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019ve had a County Court Judgement (CCJ) issued against you, it can seem like you have very few options as time passes. However, this is not necessarily the case, and there are measures that may indeed help your situation. There is no barrier to gaining an Individual Voluntary Arrangement if you have had CCJs [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"categories":[7],"tags":[],"class_list":["post-3922","post","type-post","status-publish","format-standard","hentry","category-iva-articles"],"_links":{"self":[{"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/posts\/3922","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/comments?post=3922"}],"version-history":[{"count":2,"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/posts\/3922\/revisions"}],"predecessor-version":[{"id":3941,"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/posts\/3922\/revisions\/3941"}],"wp:attachment":[{"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/media?parent=3922"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/categories?post=3922"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/tags?post=3922"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}