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

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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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