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    ose two individual IVAs. However, once the IVAs are accepted by the credit
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    Joint IVAs as they are referred to, allow two people to unite their resources and pool their debts, enabling them to qualify for an IVA when it might otherwise be beyond their reach.

    In reality the insolvency practitioner who acts as a nominee for the two people concerned, will actually propose two individual IVAs. However, once the IVAs are accepted by the credito

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    ces and pool their debts, enabling them to qualify for an IVA when it might otherwise be beyond their reach.

    In reality the insolvency practitioner who acts as a nominee for the two people concerned, will actually propose two individual IVAs. However, once the IVAs are accepted by the credit

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    otherwise be beyond their reach.

    In reality the insolvency practitioner who acts as a nominee for the two people concerned, will actually propose two individual IVAs. However, once the IVAs are accepted by the credit

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    oner who acts as a nominee for the two people concerned, will actually propose two individual IVAs. However, once the IVAs are accepted by the credit
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    ose two individual IVAs. However, once the IVAs are accepted by the creditors, the insolvency practitioner supervises the two cases as one, which in turn creates a substantial saving on fees charged to the creditors. These saving are passed on to the creditors, which in turn means the creditors will receive a greater amount of money from the IVA fund.

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