Members of the RAS team can assist individuals to devise and implement Individual Creditors Arrangements to ease creditors pressure and avoid potential bankruptcy by:

• Drafting a proposal, supervising the scheme, prepare the documentation and hold all necessary meetings;
• Managing creditors, who once they accept the proposal they are legally bound by it;
• Avoid the Stigma and impact of Bankruptcy.

IVAs are usually sought by individuals who maintain a regular income and who have over borrowed or overcommitted financially and want to avoid the possibility of bankruptcy and its consequences.