Keith White, Author
Experienced DC with 30 years helping others.
Articles by Keith White
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...
The average household is £13,000 in debt (excluding mortgages). The average credit card debt is £2504 according to the Money Charity (March 2017). If we’re fortunate enou...
Could an IVA be the answer?
One of the serious consequences of the Covid-19 pandemic is that more and more people are going to find themselves in serious debt. Not that personal debt and insolvency was...
What can I do about my IVA during lockdown?
The key information recently provided by the Insolvency Service suggests that help is on hand for those struggling with IVA payments during the current Coron...
Can I still apply for an IVA in lockdown?
The Insolvency Service has just issued guidelines on the impact of the Coronavrus and those looking at IVA's (or other insolvency debt solutions). Contrary to...