Keith White

Keith White, Author

Experienced DC with 30 years helping others.

Articles published: 214

Articles by Keith White

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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... Read more
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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... Read more
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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... Read more
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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... Read more
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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... Read more
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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... Read more
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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... Read more
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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... Read more
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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... Read more
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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... Read more