Government-approved method to reduce your debts with IVA.net
With UK debt at an all time high IVA.net are offering anonymous free debt services and a free debt helpline to help people take control of their ever expanding financial problems.
Based in Edinburgh, the IVA (Individual Voluntary Arrangement) is a legal and government approved method of resolving debt problems so people in financial trouble can avoid bankruptcy.
If a person is suffering from debts of over £15,000 to three or more creditors and are struggling to meet the repayments, they may be eligible for an IVA.
Taking out an IVA is an appealing one to creditors as they are more likely to recuperate more of the debt owed to them via an IVA rather than if someone was to declare themselves as bankrupt.
Personal applications for an IVA are decided by an Insolvency Practitioner (IP) who will guide every client through all application stages.
No fees are expected to be paid at any point during the process, and customers can often expect to see around 75 per cent of their debts written off if their application is successful.
The team have written up hundreds of IVA’s and have implemented an advanced calculator designed to help find each individual customer a debt solution, which they are eligible for.
The typical repayment plan for an IVA is around five years. Over the repayment period, customers are not charged any interest on top of their debts, and monthly repayments are calculated to be manageable and realistic to each individual’s personal needs.
The team at IVA are solely dedicated in helping people reduce their debts and will not offer debt management companies as a solution to people who aren’t successful in their application for an IVA. This is due to the high fees charged by many debt companies which many people can often not afford.
Instead, a team of six counsellors are on call to give sold free debt advice and solutions to help people get rid of their debt on their own without any added cost.
The team have also designed a bespoke money saving service created to reduce a person’s bills and out-goings prior to the IVA, proving that the team are all about helping reduce their expenditure wherever and whenever possible.
The website hosts a wide range of information about debts, loans and advice as well as all other services provided and how it can benefit people struggling to manage their debts.
For more information on debt management services visit IVA.net today or apply for your own IVA loan to help you manage your finances.
Legacy Financial Planning Limited – Investing In Your Future
Legacy Financial Planning Limited – Investing In Your Future
Legacy Financial Planning Limited is a member of the St. James’s Place Partnership, which is the sole advisory of St. James’s Place Wealth Management, through this Legacy Financial Planning Limited is able to offer clients distinctive approach to investment management.
The business is private and family run and over the years has built up a strong relationship with a number of clients. Brendon Utley and Mark Chester have over 20 years’ experience in their specialist area – which is providing quality advice to clients who are near to, or have reached retirement.
Developing long-term trusted relationships with clients allow Legacy to ensure their assets remain protected and that they are financially secure throughout their life.
Clients of Legacy Financial Planning Limited are usually retired or about to retire, and need their assets to be managed, Legacy realise that over the years assets that may have been accumulated need to be invested, which will produce an income, growth or a combination of the two.
People who have created more capital usually have circumstances that are more complicated than average and we specialize in ensuring we meet the financial requirements of these clients, offering a personal wealth management service which will meet all your financial needs whether your priority is to preserve capital, manage cash, gain financial protection against risk or reduce inheritance tax liabilities.
Brendon Utley, Director of Legacy Financial Planning Limited, recently spoke about a forthcoming complimentary seminar presented by Legacy Financial Planning, which will show you how to maximise your income from your investment, he said,
“In an economic downturn it can be easy to forget that opportunities for income or capital growth exist. At Legacy Financial Planning, we have identified how you can beat falling interest rates to achieve your income or capital growth objectives in a risk-averse environment.”
“To enable you to benefit from our expertise, we would be delighted for you to attend our complimentary ‘How to maximize your income from your investment' seminar, to be held at Statham Lodge in Lymm at 10:00am on 28th April 2009.”
He continued to explain the structure of the seminar,
“At the seminar we will explain the opportunities that exist to help ensure your savings keep pace in achieving the income and standard of living you desire. Of particular focus are:
· Boosting your income and achieving long-term capital growth,
· How a carefully blended portfolio of fixed interest / equity investments can help generate a secure and rising income.
· Reducing risk by spreading your investments to protect your current and future income needs
· How you can significantly increase the income from your existing PEP and ISA investments
· How to reduce the impact of Inheritance Tax eroding the value of your estate
The seminar presentation promises to be a relaxed and enjoyable event and we are confident that you will find it extremely valuable.”
Legacy Financial Planning Limited will help you to invest your money to ensure long-term capital growth that will generate a secure and rising income, alongside this Legacy Financial Planning can also help you to protect your assets for the next generation.
We have high levels of communication and aim to keep all of our clients up to date with any information regarding the financial market, one example of how this is done is by producing a Market Bulletin highlighting key financial and economic issues on a weekly basis.