What is an Individual Voluntary Arrangement? Why Should I Apply?

What is an Individual Voluntary Arrangement?

An Individual Voluntary Arrangement (IVA) is a formal debt solution that allows people to pay back a portion of their unsecured debts over time, and write off any that they can’t afford. This can help people with serious debt problems to regain control of their finances and get their lives back on track.

IVAs are available in England, Northern Ireland and Wales. They can be set up as monthly instalments or a lump sum. You must qualify to make an IVA.

How an Individual Voluntary Arrangement works

An IVA is an agreement between you and your creditors to repay a portion of your debts. It’s a legally binding deal that needs to be agreed by at least 75% of your creditors.

It’s a formal process that usually lasts for around five years (depending on the length of the IVA). You can release equity from your property as part of your IVA, and it can also include one-off settlements.

If you’ve got mortgage or rent arrears, it’s important to check with a free debt adviser about whether your creditors will agree to this in your IVA. They may not, so you could end up paying more than you can afford.

Your credit score is likely to be affected by an IVA. It will be on your credit report for six years, but once it’s marked ‘completed’ your score will start to improve.

We can help you find the right debt solution for your situation. Book your free initial consultation today!

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One year, a study in the journal Clinical Journal of the American Medical Association said that hospitals in the United States spent almost $200 billion on medical equipment. After salaries and other costs for staff and managers, hospital supplies are among the highest costs for healthcare institutions. {Supply budget spending accounts for 25 to 33 percent of hospital operating costs for medicine and surgery.|Supply budget accounts for 25–33 percent of all hospital operating costs for medicine and surgery.

Unfortunately, in a post-pandemic economy, hospital budgets are low. It is crucial that hospitals seek the best ways to purchase quality medical equipment that won’t cause them to break the bank.

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The different types of medical equipment

There are numerous different types of medical equipment and supplies. The main categories for medical equipment and supplies include surgical, durable medical equipment (DME), medical imaging equipment, storage and transport. There are also a number of subcategories, too.

Whenever a hospital chooses to make an equipment investment, it becomes essential to prolong its use and value. Maintenance, training and repairs are essential to allow you to get the most value from your medical equipment. But if you want to use your medical devices for a long time, it is just as important to have them repaired or serviced.

When it comes to medical equipment, some hospitals can afford to replace and update their equipment regularly. Others can struggle to purchase brand new equipment. That’s precisely where working with an expert repair service can cut down equipment costs by purchasing refurbished microscopes and other devices.

The high cost of surgical microscopes

Surgical microscopes will continue to grow at a rate of more than 10.7% from 2012 to 2027. Indeed, the increase in surgical procedures to treat orthopedic conditions, chronic disease, and the rising numbers of road accidents call for more availability when it comes to microscope equipment. Unfortunately, operating microscopes are expensive, leaving many healthcare centers unable to meet the level of care their patients expect.

Purchasing a quality microscope from a shop that specializes in providing reconditioned models can save a lot of money for a hospital. It can also improve the quality of the services that it offers.

Why refurbished is cheaper and better

Refurbished medical equipment enables the market to accept previously owned medical equipment. Although the medical equipment may have been used before, this does not mean that it is in a condition that would affect its functionality.

On the contrary, every refurbished microscope goes through a meticulous process during which the equipment is upgraded to meet the current OEM specifications. Refurbishing surgical microscope equipment saves 30 to 50 percent compared to buying new equipment. In a time when costs are being reduced, every facility is seriously considering them as a long-term investment.

In other words, refurbishing is not just a case of a generic microscope repair service. When shopping for a reconditioned microscope, you get the following:

• The microscope reutilized up to 90% of its original material, which keeps costs low

The equipment is not obsolete, as it’s been processed to meet the current OEM standards

• The microscope is under warranty, even though it isn’t a brand new item 

• The purchase has a low environmental impact

If hospitals are experiencing expensive and high-need services, remanufactured medical equipment like surgical microscopes provided by a specialist, like Prescott’s Inc., could help them save money and retain critical hospital functions.

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