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IVA - does an IVA cover all of my debts?
Only unsecured and preferential debts can be included. Secured debts cannot be included but a provision will be made in your income and expenditure to allow you to continue to pay your monthly instalments. Certain other debts are specifically excluded from your IVA such as student loans, fines and arrears on CSA payments. Please note that these cannot be included in a bankruptcy.
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