Can you get an IVA with a CCJ?

Yes, a County Court Judgement debt can be included in an IVA. Insolvency law states that when someone applies for an IVA, all their unsecured creditors must be treated equally, with no advantage being afforded to one over another. This is even the case when a County Court Judgement, or CCJ, has been awarded.Click to see full answer. Regarding this, can an IVA stop a CCJ?It is possible to stop any CCJs that have been applied for while your IVA is being put into place. This would mean that you won’t be issued with a CCJ. When you are in an IVA, your creditors are also unable to take legal action against you.Secondly, how badly does an IVA affect credit rating? An IVA will affect your credit rating as it will stay on your credit file for six years after the date of commencement (typically one year after your IVA has been completed). Additionally, is an IVA the same as a CCJ? An Individual Voluntary Arrangement (IVA) and a County Court Judgment (CCJ) are not the same things. When you go on an IVA, this cancels a CCJ, as the debt will be included in your IVA.Can I go on holiday while on IVA?Although there’s no official section on an individual voluntary arrangement budget labelled ‘holiday fund’ a break away may still be possible if you’re living on an IVA. And importantly, there are no rules or obligations as part of your IVA which means you’re not able to go on holiday.