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  1. What are the alternatives?
    We have already mentioned bankruptcy and the possibility of borrowing more money in an attempt to consolidate your debts. You ...
    See also : "IVAs : Frequently Asked Questions"

  2. What exactly is a DebtMatters IVA?
    Individual Voluntary Arrangements are government legislation to give people struggling with debt a second chance without declaring bankruptcy
    See also : "IVAs : Frequently Asked Questions"

  3. About DebtMatters
    DebtMatters offer debt advice and IVAs for those struggling with debt, loans and credit cards

  4. Become Debt Free the Smart Way
    Choose a DebtMatters IVA. Our friendly debt advisors will guide you through the IVA process and take time to understand your debts and circumstances
    See also : "About DebtMatters"

An IVA is a serious undertaking, it may damage your credit rating for up to six years. If you own a property it will be safe in an IVA, however you may be required to remortgage and release additional funds for creditors after three or four years.
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