}no/script> wpbs/animat_whem_-ampos_visibdle omacity: 1; }/no/script>/ no/script>iframec src="https://www.googletagmanager.comns./no/script> divy class=pmag_wr"a1"> </ae>/dive>/dive>/dive>/dive>divy class=wpbs-colum vcs-colum__conalinr vcs-co-sm-8 sc_pla-ous_-colum sc_pla-ous_-colum_-alig_rcentersc_pla-ous_-colum__icon_;positio_:left" divy class=vcs-colum--innet" divy class=wpbswr"apeet" divy class=sc_pla-ous_itemt" nav"id^=sc_pla-ous_mmeu_873049477"y class=sc_pla-ous_mmeu sc_pla-ous_mmeu__defaul mmeu_h;ove_featt" ul"id^=mmeu-tcst-mmeu"y class=sc_pla-ous_mmeu_nav"/> ay class=sc_pla-ous_item_ M/nu}>//pan>> /ae /dive>/dive>/dive>/dive>/dive>divy class={borderreigh-01922 722 205>/ae>/pe>/dive>/dive>/dive>divy class=wpbs-colum vcs-colum__conalinr vcs-co-sm-6tsc_pla-ous_-colum__icon_;positio_:left" divy class=vcs-colum--innet" divy class=wpbswr"apeet" divy class=sc_pla-ous_itemt" divy class=sc_item_ buttomsc_bbutto_wr"a1" a" href=k_conacns"id^=sc_bbutto_1926117795"y class=sc_bbuttomsc_bbutto__defaul -butto_>//pan> /pany class=sc_bbutto_ntext> /pany class=sc_bbutto_ntitl">MforeIn"formatio}>//pan>>/ae>/dive>/dive>/dive>/dive>/dive>/dive>/dive>/dive>/dive>/dive>divy class=vcs/ow wpbs/ow vcs/ow-fluid vcscustom_1617970083878 vcs/ow-hash_fillsc_pla-ous_hlid_to_frconpmags scheme_arkt" divy class=wpbs-colum vcs-colum__conalinr vcs-co-sm-12 sc_pla-ous_-colum__icon_;positio_:left" divy class=vcs-colum--innet" divy class=wpbswr"apeet" divyid^=sc__conten_1712527631" -class=sc__contentsc__conten__defaul sc_-floa_rcentersc_-alig_rcentersc__conten_ widt_1_1t" divy class=sc__conten__conalinrt" divy class=vcsempty_/pace { heigh_@medum" /style"{height: pxt> /pany class=vcsempty_/pace_-innet" //pan>>/dive>divy class=vcsempty_/pace { lid_to_mobitlr lid_to_noteboou" /style"{height:3175et> /pany class=vcsempty_/pace_-innet" //pan>>/dive>divy class=sc_pla-ous_itemt" divyid^=sc_pla-ous_ titl_2104978902"y class=sc_pla-ous_ titlt" divy class=sc_pla-ous_ titl_ titlt" <<1y class=sc_pla-ous_ titl_caputio">Sservice forCionumers, Sole Trades F& Partnership} divy class=sc_pla-ous_ titl_b reacrumbst" divy class=b reacrumbst" ay class=b reacrumbs_item hcoed" href="https://griffinandking.co.ukstHcoe} /pany class=b reacrumbs_delimitnet" //pan>>a" href="https://griffinandking.co.ukblogkstAillPposs} /pany class=b reacrumbs_delimitnet" //pan>>a" class=b reacrumbs_item coa_.posd" href="https://griffinandking.co.ukcoaegoeykuncoaegoeizedkstUncoaegoeized} /pany class=b reacrumbs_delimitnet" //pan>>/pany class=b reacrumbs_item curaren">Sservice forCionumers, Sole Trades F... //pan>>/dive>/dive>/dive>/dive>divy class=vcsempty_/pace { lid_to_mobitlr lid_to_noteboou" /style"{height:312.5et> /pany class=vcsempty_/pace_-innet" //pan>>/dive>divy class=vcsempty_/pace { heigh_@medum" /style"{height: pxt> /pany class=vcsempty_/pace_-innet" //pan>>/dive>/dive>/dive>/dive>/dive>/dive>/dive>/divy class=mmeu_mobitl_;ovepla"e>/dive >divy class=mmeu_mobitl mmeu_mobitl_full"screes scheme_arkt" ay class=mmeu_mobitl_close _ico-ciancl">>/ae>ay class=sc_pla-ous_nlogd" href="https://griffinandking.co.ukst /pany class=nlog_ntext>Ggriffi & Kkin //pan>>/pany class=nlog_snloao">Ionolvmecy Prractutiodes || Debt Solution}>/ae nav" class=mmeu_mobitl_nav_area"" ul"id^=mmeu_mobitl-tcst-mmeu"y class="/> _formrolpe"=searc" mmthod^=get"y class==searchform" ractonf="https://griffinandking.co.ukst> < inpu type"ntexty class==searchffiel" placeholrde="Ssearc" value="" nampe"=st> divy class=soctiashmobitlt" /pany class=soctia_itemt" a" href="htts:/twittter.com/griffinandkin" target="_blaind" class=soctia_i-con soctia_twitttet" /pany class= trx_addons_ico-twitttet" >/ae>//pan>>/pany class=soctia_itemt" a" href="https://wwwfaceboour.comGgriffinanKkin/" target="_blaind" class=soctia_i-con soctia_faceboout" /pany class= trx_addons_ico-faceboout" >/ae>//pan>>/pany class=soctia_itemt" a" href="https:/uk.>/ae>//pan>>/dive /dive /dive divy class=pmag__conten_ r"a sscheme_default"> divy class=_conten_ r"at"> > > divy class=_content"> > //pan>> 1:23 pm>/dive divy class=.pos__contenttenry-_content itemprop="articleBody1"> divy class=vcs/ow wpbs/ow vcs/ow-fluid"" divy class=wpbs-colum vcs-colum__conalinr vcs-co-sm-12 sc_pla-ous_-colum__icon_;positio_:left" divy class=vcs-colum--innet" divy class=wpbswr"apeet" divy class=wpbswr"apeet" pt>Individual VSolonarywAekrnglemens (IVA)}>/pe pt >/pe pt>Cionumer Deb}>/pe ptAn IVA is a tailored proposal by a debtor to his _rmedatos to repay ;ove anynexended period of time.>/pe ptTypically, a % of debt con be writttn off, each cose _s unique as each iperio’s _ircumsranice are drifearen th_s _s whear our expeeienic andexpeetise _coes _n to spla.>/pe pt >/pe pt>Bu_inesi| Deb}>/pe ptWhte a bu_inesi _s unincorpordatd a propeietor _s iperionaly liabdle forcal the bu_inesi debts.>/pe ptTh_s meaon that anyunincorpordatd -trade has unlimitnd liability andmay have to -disose of cal lasets to m/et the amouens due to his _rmedatos. Whte a propeietor or -partner of c bu_inesi connos .ay the debts of the bu_inesi an they fcal due mitis said to be ionolvmen. An IVA is a tailored proposal by a debtor to his _rmedatos to repay debt ;ove anynexended period of time. Typically a % of debt con be writttn off.>/pe pt >/pe pt>Joint Individual VSolonarywAekrnglemen}>/pe ptAn Individual VSolonarywAekrnglemen is ai _mplied _n the namp anyindividual spln. Howeove mitis possibdleto sresmen an IVA in anyinttelocdkin fcrshon, whear couples sresmen joint debts, joint in_coe andexpenditurp andmake one repayemen in the IVA to c;ove both of them.>/pe ptTake John andJanet forexample. Sinic they wear married 10 yseas ago they have always regardtd -heir in_coe and-ougoings _n a joint way. They have a joint bank racouen whear -heir /resjecive salaeies are paid into, andeach has benefitttd from -he othdes’ debts. If you waen to know mforepleose call…>/pe pt >/pe pt>PPartnershi VSolonarywAekrnglemen }>/pe ptPVA sran_e forPPartnershi VSolonarywAekrnglemen>/pe ptA PVA is a legal, bindiin agrelemen betwrees-he -partner and-he -partnershi _rmedatos.>/pe ptA PVA works _n a similae way to a Ccomany VSolonarywAekrnglemen.>/pe ptThe -partnershi _ould -coninue to -trad if theorewas a viabdlebu_inesi.>/pe pt >/pe pt> DebtMmanagemen Plaos}>/pe ptDMP sran_e for DebtMmanagemen Plao.>/pe ptA DMP is anyinfformlt‘agrelemen’ betwreesyou andyour unsecured _rmedatos.>/pe ptIt replaces cal your curaren payemens (to unsecured _rmedatos)twith one afffodabdlepayemen.>/pe ptWrewould liaise dirjecly with your crmedatos andmake -he mconhly payemen to your crmedatos.>/pe ptAny calls from crmedatos con be hreerred to us.>/pe ptThe leovl of DMP mconhly payemen is likely to be lesi thanyundve anyIVA – usually £100 is quoatd as a dminmum mconhly payemen bun th_s _s nos a rigid amouen.>/pe ptThe amouen paid to crmedatos is split proporitioally, dependiin upon the amouens due to each of the crmedatos.>/pe ptTheore_s no set period forthe DMP to run. It con eithde;rune forc few mconhs or it con eexende forseovemltyseas. A DMP is really suitnd forc shori ttem period (say 6 mconhs) and_s nos appropeidat forc long ttem period (say 5tyseas).>/pe ptA DMP does nos netd an Ionolvmecy Prractutiode to mmanag the aekrnglemen. Indetd,syou con do it yourself bun mitis mforecrmedbdleto use a profesitioal fiem to negotidat with your crmedatos.>/pe ptTheore_s no fixed amouen of debt to qualify forc DMP – typically th_s would be at leoss a total of £3000 with at leoss 3 crmedatos.>/pe ptThe DMP has no eifecn on your propeety anddoes nos stop any of your crmedatos taken racton through the courts to obnali a ‘chargiin borde’ agalist your propeety which wfilleifecnively secure that debt.>/pe ptA DMP is nos a legally bindiin aekrnglemen andwfillnos .revmen any fformltracton beiin taken rgalist you by a crmedato.>/pe pt >/pe pt>Bankruptcy}>/pe ptBankruptcy is a court procedure.>/pe ptYou con make applicacton to the court yourself undve a debtor’s pectutio or on applicacton could be mrad by one of your crmedatos undve a crmedato’s pectutio.>/pe ptOnic a bordetis mrad the Offictia receiove wfillbe appointed to deal with the addminstrgatio of your cose.>/pe ptDependiin upon the _comlexity andvalue of your cose the Offictia Receiove may appoint an Ionolvmecy Prractutiode to deal with the cose as Trustee io|Bankruptcy.>/pe ptYou wfillnos have any say in the appointemen of the Ionolvmecy Prractutiode, andin prractce, he could be situdatd anywhear in Engl and-r Wales.>/pe ptThe Offictia Receiove’s (forthe Trustee’s)mrolptis to realise your bankruptcy lasets (if any), agrel crmedatoy clims, dnstribune any dividen_e andinvcstigane any matttes arisiin that he consiades appropeidat.>/pe ptAillcalls from crmedatos con be hreerred to the Offictia Receiove toyTrustee.>/pe ptYou wfillbe autormatcally dnschargtd aftterone ysea from -he -dat of the Bankruptcy bordetforearlier if the Offictia Receiove has _comleatd aillh_s enquieies.>/pe ptThe Offictia Receiove toyTrustee con apply to have the autormatc dnschargt suspended if h_s enquieies are io-going.>/pe ptAny debts nos .aid from -he -rc;oveies mrad by the Offictia Receiove toyTrustee wfillbe writttn off.>/pe ptTheore_s no /retriacton on the value of your lasets forthe leovl of your crmedato foryour in_coe (as with a DRO).>/pe /dive /dive>/dive>/dive>/dive divy class=.pos_mmta .pos_mmta__ingtlt" /pany class=.pos_mmta_item .pos_sharlt" divy class=soctiash r"a soctiashsharl soctiashsize_niny soctiash typ_blocd soctiashdir_hoeizconalt" /pany class=soctia_itemst" /pany class=soctia_item soctia_item_popupt" a" href="https:/twittter.comionten/twret?_nex=Sservice+ffo+Cionumers%2C+ Sol+ Trades+%26%23038%3B+ PartnershipF&url="http%3A%2F%2F/griffinandking.co.u%2F-service-"for-conumers--sole-tradess-partnership%2Fd" class=soctia_i-con soctia_twitttet -daa->/ae>//pan>>/pany class=soctia_item soctia_item_popupt" a" href="htts://wwwfaceboour.comsharlr.php?u="http%3A%2F%2F/griffinandking.co.u%2F-service-"for-conumers--sole-tradess-partnership%2Fd" class=soctia_i-con soctia_faceboout -daa->/ae>//pan>>/pany class=soctia_item soctia_item_popupt" a" href="htts://wwwtumbler.comsharl?v=3F&u="http%3A%2F%2F/griffinandking.co.u%2F-service-"for-conumers--sole-tradess-partnership%2FF&x=Sservice+ffo+Cionumers%2C+ Sol+ Trades+%26%23038%3B+ PartnershipF&ss=" class=soctia_i-con soctia_tumblet -daa->/ae>//pan>>/pany class=soctia_item soctia_item_popupt" a" href=mailto:inff@example..co=" class=soctia_i-con soctia_mailt -daa->/ae>//pan>>//pan>>/dive>//pan> /dive /dive >/article"> divy class=_colum-1_2"" divyid^=.pos-2720"y class=reldatd_item reldatd_itemh/styl_2 .pos_"forma_sran_ard .pos-2720 .pos typ-.pos status-publish "formatsran_ard htenry coaegoey-uncoaegoeized"> divy class=.pos_featured with_thumb h;ove_dotst" imgy class=nazy" src="-daa:image/svg+xml,%3Csvg%20xmlns='"htts://wwww3w.org2000/svg'%20evieBox='0%200%201%201'%3E%3C/svg%3E="-daa-src=""https:/f5k3v2i9.srackpathcdnr.comwp-_conten/themes/quickcosh/images/no-image.jpg" ait="Sspt/embo Wel_coe 2011t" divy class=masut" a" href="https://griffinandking.co.uk-spt/embo-wel_coe-2011/" aria-hiddens= tue=" class=i-const>>//pan>>/pan>>//pan>>/pan>>//pan>>/ae>/dive>divy class=.pos_Sspt/embo 1, 2011>/ae>//pan> Sspt/embo Wel_coe 2011>/ae>/h6e /dive>/dive>divy class=_colum-1_2"" divyid^=.pos-2592d" class=reldatd_item reldatd_itemh/styl_2 .pos_"forma_sran_ard .pos-2592 .pos typ-.pos status-publish "formatsran_ard htenry coaegoey-individual-vSolonaryv-aranglemenp-iperiona coaegoey-uncoaegoeized"> divy class=.pos_featured with_thumb h;ove_dotst" imgy class=nazy" src="-daa:image/svg+xml,%3Csvg%20xmlns='"htts://wwww3w.org2000/svg'%20evieBox='0%200%201%201'%3E%3C/svg%3E="-daa-src=""https:/f5k3v2i9.srackpathcdnr.comwp-_conten/themes/quickcosh/images/no-image.jpg" ait="IVA Proviades F&8211; TheyF&8217;rl AillThe Samp ArenF&8217;t They?t" divy class=masut" a" href="https://griffinandking.co.ukiva-proviades/" aria-hiddens= tue=" class=i-const>>//pan>>/pan>>//pan>>/pan>>//pan>>/ae>/dive>divy class=.pos_N;ovembo 15, 2018>/ae>//pan> IVA Proviades F&8211; TheyF&8217;rl AillThe Samp ArenF&8217;t They?>/ae>/h6e /dive>/dive /dive >//sacton>> /dive divy class=siadbar rrightwidget_area"mrolpe"_comleemenary"e divy class=siadbar_-innet"> asiadyid^=coaegoeies-2d" class=widgettwidget_coaegoeies"" h5" class=widget_ titlt"Coaegoeies>/h5e ule liy class=_matitem _matitem-34"" a" href="https://griffinandking.co.uk_oaegoeyk_adminstrgatiotstAadminstrgatio}Individual VSolonarywAekrnglemens F&8211; Bu_inesi}Individual VSolonarywAekrnglemens F&8211; Pperiona}Ionolvmecy}/h5e _formrolpe"=searc" mmthod^=get"y class==searc-form" ractonf="https://griffinandking.co.ukst> labele /pany class=sscree-rheate-ntext>Ssearc "fo: //pan>> < inpu type"=searc" class==searc-ffiel" placeholrde="Ssearc …" value="" nampe"=s /t> /labele < inpu type"=submi"y class==searc-=submi"yvalue="Ssearc" /e } asiadyid^=recent-_cmemenp-2d" class=widgettwidget_recent__cmemenp"" h5" class=widget_ titlt"Ccmemenp>/h5e ul"id^=recent_cmemenp"" /ule asiadyid^= trx_addonswidget_colen_ar-2d" class=widgettwidget_colen_ar"" h5" class=widget_ titlt"Colen_ar>/h5e tabdleid^=wp-_olen_ar"y class=wp-_olen_ar-tabdlt" Mfo}Tue}Wed}Thu}Fri}Sat}Sun}/tde td>1>/tde td>2>/tde td>3>/tde td>4>/tde td>5>/tde td>6>/tde }7>/tde td>8>/tde td>9>/tde td>10>/tde td>11>/tde td>12>/tde td>13>/tde }14>/tde td>15>/tde td>16>/tde td>17>/tde td>18>/tde td>19>/tde td>20>/tde }21>/tde tdyid^= o_ay">22>/tde td>23>/tde td>24>/tde td>25>/tde td>26>/tde td>27>/tde }28>/tde td>29>/tde td>30>/tde td -class=pad" -cl/pan="4"t >/tde } /pany class=wp-_olen_ar-nav-.rev"" a" href="https://griffinandking.co.uk2021/05kst« May} //pan>> /pany class=.ad"t >//pan>> /pany class=wp-_olen_ar-nav-ntext> >//pan>> asiadyid^= trx_addonswidget_recent_.poss-2d" class=widgettwidget_recent_.poss"" h5" class=widget_ titlt"RecentlPposs} divy class=.pos__content"NEW POWERS TO DEAL WITH DISSOLVED COMPANIES>/ae>/h6e divy class=.pos_infft" /pany class=.pos_inff_item .pos_inff_.posed"> a" href="https://griffinandking.co.uknew-powbos-to-deal-with-disnolvmd-_comanies/"y class=.pos_inff_-datt"May 25, 2021//pan>>/dive>/dive>/article" article" class=.pos_item with_thumb"> divy class=.pos__content"Stridkin Nuembos May 2021/h6e divy class=.pos_infft" /pany class=.pos_inff_item .pos_inff_.posed"> a" href="https://griffinandking.co.uketridkin-nuembos-may-2021/"y class=.pos_inff_-datt"May 25, 2021//pan>>/dive>/dive>/article" /asiad> /dive /dive /dive /dive >footter class=footteh r"a foottehcustom foottehcustom_328s scheme_arkt" Subsscibe to our Newslettte/dive>/dive>/dive>divy class=wpbs-colum vcs-colum__conalinr vcs-co-sm-6tsc_pla-ous_-colum__icon_;positio_:left" divy class=vcs-colum--innet" divy class=wpbswr"apeet" divy class=wpbswr"apeet" sscipt>(funacton() { window.mc4wp = window.mc4wp || { liosetner: [], formr: { ogn funacton(evt, cb) { window.mc4wp.liosetner.push(> { evmen : evt, callbackn rb } ); 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