If you're struggling with debt then an IVA (Individual Voluntary Agreement) could prove helpful. An alternative to bankruptcy in certain circumstances, IVAs are sometimes regarded as more flexible for the individual and are sometimes considered favourable when managing complex debts.
If you're currently managing an IVA, let us know about it. Has it helped you consolidate your debts effectively? Do you hope for your credit rating to improve as a result? Send us your reviews and accounts of your experiences and help others in need of guidance.
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