Keith White, Author
Experienced DC with 30 years helping others.
Articles by Keith White
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...
Post IVA questions - should I rebuild my credit rating?
For many, once the IVA is successfully completed they vow never to touch credit again. They speak of lessons learned and look back on the dark da...
Post IVA questions - what if my IVA fails?
A surprisingly large number of IVA’s do fail before completion. Sometimes this is the fault of the debtor. They failed to disclose vital information abo...
An IVA whilst on furlough
With millions now on furlough the question is being asked, can an IVA still be for me? And the short answer is yes it might be. We may be receiving help from creditors or help...
An IVA when made redundant
Fundamental to applying for an IVA is evidence of income. This is usually via payslips for the employed or tax returns/accounts for the self-employed. For those who have lost...
An IVA when separating
One of the sad consequences of lockdown is the deterioration of some relationships. Maybe spending so much time under the same roof exposes and widens cracks in our relationship...
An IVA when self-employed
The self-employed are not immune from debt problems. In fact given the erratic nature of their income, often cash flow problems emerge – bills need paying on time, but i...