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To receive an IVA, you ought to have some spare profits each and every month to pay your creditors, typically at the least £100. Your creditors are not likely to just accept an IVA In case your payments are lower than that.生活限制：不能乘坐的士、不可購買貴重物品及資產（如物業、汽車）、不能再對已購買保險作