However, these figures only include formal insolvencies – i.e. people who have declared bankruptcy or entered into an Individual Voluntary Arrangement (IVA). I believe a conservative estimate would be that for every person declaring …
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If you are planning to enter an Individual Voluntary Arrangement the unpaid bills will be included in your list of creditors and the person that you owe the money to will be able to vote at the creditors meeting the same as all the …
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IVA is a popular arrangement and is known as Individual Voluntary Arrangement. To know about this concept in detail you must first be aware that many people create multiple debts either due to circumstances or some genuine business problems. But at some point in time they may feel that it is really difficult to handle [...]
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