The first and foremost thing one should remember when looking at Individual Voluntary Arrangements is that they are commonly mistaken for debt management plans, which are far from the same thing. IVA’s are not comparable to the ads we see on TV, as there aren’t any upfront fees, and they are setup by licensed professionals. [...]

In tough economic times that are numerous ways in which people can become in debt. Whether it is loosing your job or a family tragedy, you can sometimes find it tough to manage your debt. There is however a wealth of information and support to help you manage in these tough times.
Managing personal debt is [...]