{"id":15323,"date":"2024-01-09T16:40:12","date_gmt":"2024-01-09T16:40:12","guid":{"rendered":"https:\/\/bankruptcyservices.co.uk\/?page_id=15323"},"modified":"2024-01-09T16:43:14","modified_gmt":"2024-01-09T16:43:14","slug":"iva-debts","status":"publish","type":"page","link":"https:\/\/bankruptcyservices.co.uk\/index.php\/iva-debts\/","title":{"rendered":"IVA Debts"},"content":{"rendered":"<div id=\"cmsmasters_row_l8l172u0ek\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_cujpk8t0fa\" class=\"cmsmasters_column one_first\">\n<div class=\"cmsmasters_column_inner\"><div class=\"cmsmasters_text\">\n<h1 style=\"text-align: center;\">What debts can and cannot be included in an IVA?<\/h1>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_r62d471xbo\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_9fl61yjd6g\" class=\"cmsmasters_column one_half\">\n<div class=\"cmsmasters_column_inner\"><div id=\"cmsmasters_heading_1mx5f2dlir\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\"><a href=\"#\">Debts you can include in an IVA:<\/a><\/h2>\n<\/div><div class=\"cmsmasters_text\">\n<ul>\n<li>Overdrafts from bank accounts<\/li>\n<li>Hire purchase on products no longer needed<\/li>\n<li>Credit cards<\/li>\n<li>Unsecured loans<\/li>\n<li>Mobile phone contracts no longer needed<\/li>\n<li>Payments owed to repossessed properties<\/li>\n<li>Store Cards and Catalogue bills can be included<\/li>\n<li>HM Revenue and Customs VAT<\/li>\n<li>HM Revenue and Customs PAYE<\/li>\n<li>HM Revenue and Customs self assessment tax<\/li>\n<li>HM Revenue and Customs National Insurance<\/li>\n<li>Money owed to friends and family<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div>\n<div id=\"cmsmasters_column_khq7psnhsq\" class=\"cmsmasters_column one_half\">\n<div class=\"cmsmasters_column_inner\"><div id=\"cmsmasters_heading_i7zbkpnjo\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\"><a href=\"#\">Debts that Cannot be included in an IVA:<\/a><\/h2>\n<\/div><div class=\"cmsmasters_text\">\n<ul>\n<li>Hire purchase debts on goods still needed<\/li>\n<li>Student loans (falls outside of the insolvency act 1986)<\/li>\n<li>All educational loans (falls outside of the insolvency act 1986)<\/li>\n<li>Magistrates court fines<\/li>\n<li>Speeding fines or parking tickets<\/li>\n<li>Child support (CSA)<\/li>\n<li>Money secured on your house (i.e. mortgages or secured loans)<\/li>\n<li>Arrears on rental property which you currently occupy<\/li>\n<li>Debts incurred through fraud<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-15323","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/bankruptcyservices.co.uk\/index.php\/wp-json\/wp\/v2\/pages\/15323","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bankruptcyservices.co.uk\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bankruptcyservices.co.uk\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bankruptcyservices.co.uk\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bankruptcyservices.co.uk\/index.php\/wp-json\/wp\/v2\/comments?post=15323"}],"version-history":[{"count":3,"href":"https:\/\/bankruptcyservices.co.uk\/index.php\/wp-json\/wp\/v2\/pages\/15323\/revisions"}],"predecessor-version":[{"id":15326,"href":"https:\/\/bankruptcyservices.co.uk\/index.php\/wp-json\/wp\/v2\/pages\/15323\/revisions\/15326"}],"wp:attachment":[{"href":"https:\/\/bankruptcyservices.co.uk\/index.php\/wp-json\/wp\/v2\/media?parent=15323"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}