Consumer debt has now reached extraordinary levels, steered by low interest rates and easy access to credit and the increasing use of payday/short-term borrowing.

The options are simple. However, the choice requires careful consideration based upon each individual situation. Options can include:-

An IVA is an alternative to bankruptcy that allows you to settle all of your unsecured debts, including contingent liabilities to include personal guarantees and future lease commitments by entering into a single, legally binding agreement with your creditors. 

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