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To get an IVA, you need to have some spare cash flow every month to pay your creditors, typically no less than £100. Your creditors are not likely to accept an IVA If the payments are less than that.欠債人毋須經法律程序，可直接與債主商量，重新制訂雙方都可接納的還款方案，例如減息或延長還款年期A person