Should You Consider an IVA or Bankruptcy? Which Is the Best Option for You?

On the surface, declaring bankruptcy looks like an easier and better way to be free from debt. However, doing so can have major repercussions, affecting your assets, career and credit rating. A debt consolidation scheme - such as an IVA (Individual Voluntary Arrangement) - can act as an alternative to bankruptcy, but even so, is it really suitable for everyone?

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