The Individual Voluntary Arrangement which provides an opportunity for the debtor struggling with unsecured debts to make a payment proposal to their creditors is a shield that protects people from Bankruptcy. It’s nearly 22 years since the IVA was introduced by the Insolvency Act of 1986. Today, in this sluggish economy, Individual Voluntary Arrangement advice [...]

Taxes are probably the furthest thing from your mind. But now, months before the end of the year and the start of tax season, is a good time to takes steps to lower your tax bill for 2008. Take the “Saver’s Credit” for example. One way for low and moderate income Americans to save on [...]