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IVA or Individual Voluntary Arrangement

The IVA usually runs for 5 years (60 months) and has an exact end date. Creditors will be expected to stop further interest and charges being applied to the credit accounts whilst the IVA is in place [...]

Debt Help and Advice in Scotland

For most people that live in Scotland, the differences between debt solutions that are available in England compared to those in Scotland can be some what confusing to say the least. [...]