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In this section, individual voluntary arrangements are described in detail (IVAs). The IVA is a debt payback plan that allows you to pay off your obligations over a period of time. This section will explain how an IVA is a formal and legally binding agreement between you and your creditors to repay your debts over a certain period of time. This means that it has been accepted by the court and must be followed by your creditors. http://nationaldebtlines.co.uk/individual-voluntary-arrangements/

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