Full and final IVA OVERVIEW A full and final arrangement is more appropriate if you cannot afford the minimum contributions but are in the position to offer your creditors a one off lump sum payment in settlement of the outstanding debt. This arrangement can be presented in the form of an IVA making it legally binding. Please see our IVA section for information regarding this. The most common way for the lump sum payment to be raised is via a remortgage. Alternatives may include a lump sum payment from a third party, or proceeds from the sale of property or other assets i.e. shares, bonds etc. To find the best solution for you Contact Anne Wray or Send Your Details to The Debt Advisor today. Working with The Debt Advisor Ltd 01257 233 023 advice@annewraydebtadvice.co.uk