You've already tried an informal arrangement, but it's failed.
Can I Get an IVA After I've Been Made Bankrupt
The Enterprise Act of 2004 introduced new rules on how to get an IVA after you are made bankrupt.
This involves applying for what's called a Fast Track IVA by presenting a proposal to the Official Receiver.
If The Official Receiver thinks that your creditors would do better to accept an IVA rather make you bankrupt, he/she might agree to act as supervisor of the IVA. If the IVA is agreed by your creditors, your bankruptcy order will be annulled by the Official Receiver.
Where Will My IVA Details Be Stored
The record of your IVA is kept on a public register and anyone can search to see if someone has an IVA. Records of your IVA are also held credit reference agency files for up to six years.
Details of your IVA will stay on the public register until it is completed. You can search the register by using the contact details below.
The Individual Insolvency Register
The Insolvency Service
5th Floor, West Wing
45-46 Stephenson Street
Birmingham
B2 4UP
Tel: 0121 698 4000
Fax: 0121 698 4406
Mike Curry runs a free IVA and consumer debt helpline offering impartial advice to those suffering from serious debt.
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