Keith White, Author
Experienced DC with 30 years helping others.
Articles by Keith White
Lump sum IVA’s in times of Covid
Clearly offering a lump sum as a Full & Final IVA is not an option for many of us. If we had a lump sum then we may have already used it towards our debts. But st...
Lump sum IVA’s – the pros and cons
The advantages of a Full & Final IVA over against a more normal fixed length of monthly payments IVA are fairly obvious. The 5 or 6 year IVA involves tight bu...
Lump sum IVA's - a personal story
A Full and Final IVA – Jane’s story Jane explained that she had been struggling with debt since her late teenage years over 10 years ago. Overspending whe...
What is a fast track IVA?
The assumption often is that the IVA’s are fixed in length (usually 5 years) and based on affordable monthly payments. But there is a different sort of IVA that is based...
IVA life stories - when an IVA may be a mistake
Graeme did all the right things with regard to his debt. He researched options. He spoke to 3 different companies and didn’t allow himself to be pr...
IVA life stories - starting a family
The arrival of Hannah was meant to be one of the happiest events in Felicity and her partner’s lives. And indeed it was. However, Felicity on sharing her stor...
IVA life stories - facing the facts
Looking back, Brian was unsure why he had been so reluctant to admit there was a problem with debt. All debts were paid on time, and because his outstanding credit r...
IVA life stories - Full & Final
Jane explained that she had been struggling with debt since her late teenage years over 10 years ago. Overspending when she first was offered credit led to pat of her in...
Post IVA questions - looking towards a mortgage
One of the motivations for some people starting an IVA, is to deal with their debt, improve their credit rating and finally make a start on the property...
Post IVA questions - learning to save again
One of the main reasons people get into debt in the first place is that we have no emergency fund. When something essential goes wrong (boiler, car necessary...