As per your current debt situation, these programs advise you to opt for various options like debt consolidation loan, crises management, debt management program, negotiation, settlement, individual voluntary arrangement and bankruptcy. …

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The total number of people declared insolvent includes people who are made bankrupt or take out an individual voluntary arrangement (IVA), under which interest on debt is frozen in exchange for a set amount being repaid each month, …

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Record numbers going bankrupt

Individual Voluntary Arrangement : The Individual Voluntary Arrangement or IVA is a legal agreement, unlike the debt management plan. The agreement has a tenure of few years. The customers have the options of paying low instalments and …

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