The idea behind the introduction of the Individual Voluntary Arrangement was to enable people facing financial difficulties to come to a formal agreement with their creditors rather than having to face bankruptcy. …

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Clicking on the headline opens an archival version of the November 2008 issue of Midland Issues, which was delivered to paid subscribers Nov. 1. Midland Issues is an independent alternative newspaper that covers Midland city government and public schools. It is entirely supported by paid subscriptions. Some content overlaps with Midland Issues on the Web, [...]

IVA stands for Individual Voluntary Arrangement A formal, it is court ratified, process that allows somebody struggling with unsecured debts to make a payment proposal to their creditors. IVA numbers are increasing dramatically at the …

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Author: Virginia Wherland Housing Cooperatives are a legal entity that owns real estate, with tenants being shareholders, paying their share of the associated fees. Individual shareholders do not own the real estate they live in, but are essentially shareholders of a corporation that owns real estate. Housing co-ops can take on a variety of forms.They [...]

300 people a DAY will plunge into insolvency as number of business … Daily Mail, UK - 18 minutes ago … Barrow They fear record numbers will be forced to declare themselves bankrupt or resort to an alternative known as an Individual Voluntary Arrangement . …

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Number of businesses declared insolvent set to soar by 40% Daily Mail, UK - 7 Nov 2008 A further 10000 are likely to have taken out an Individual Voluntary Arrangement , under which interest on debt is frozen in exchange for a set amount being …

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Number of businesses declared insolvent set to soar by 40% [...]

In these times of uncertainty and with the mortgage and housing market dropping, there are more and more repossessions of properties occurring.  If you do not pay the mortgage payments each month, the bank or lender can take the property back and put you out on the street.
But what if you are a tenant in [...]

Debt and retirement, these two things do not go well together.  For most of us we see retirement as the property is paid in full, and we can relax and travel, using the free bus pass we will have.
Source: Debt and Retirement

 So a decision has been made, by the heart, you want to get married or live with your partner, congratulations.  It is a romantic time in one’s life.  But a few things to consider before doing this, and no I am not trying to persuade you to not live together, I just want you to [...]