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Individual voluntary agreements allow you to repay a creditor at a rate that you can afford, either in a lump sum or over the course of several years. You make the affordable payments to us and we distribute it fairly between your creditors. During the course of an IVA, your creditors cannot contact you or increase your debt, and once the final payment is made, you can write off any remaining debt. This takes the pressure off you and helps you get back into control of your finances.

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