In order for this plan to be effective it must be contractually binding, just like an Individual Voluntary Arrangement (IVA) in the UK is. Even though I once served on the board of directors of a consumer credit counseling office that …

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I can dream, can’t I? If I could get a wish for debtors it would be to wave a wand and implement this perfect debt assistance or debt relief program.Here is what the program would look like.
Source: The Perfect Get Out of Debt Program

These days there are a number of solutions available for those that have found themselves in unmanageable levels of debt, and one of these is known as the Individual Voluntary Arrangement , or IVA. Over the past year or so IVAs have been …

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The Best Way to Use an IVA

Are you thinking of getting on the pre-paid bandwagon? Choosing a particular enrolment method can be very important in determining the benefits, costs and conditions of coverage of your legal plan. A voluntary enrolment refers to a membership of a legal plan where people “voluntarily” subscribe to a pre-paid legal service in response to a [...]