http://www.articlealley.com en-us editorial@articlealley.com An IVA, or Individual Voluntary Agreement is a binding agreement between you and your creditors for repayment. It normally affords you reduced payment amounts and increased term length for repayment. It is good for you as recourse to insolvency. It is g... http://www.articlealley.com/article_179827_19.html 01st July 2007