There are also alternatives including an Individual Voluntary Agreement (IVA) or a Debt Relief Order (DRO) which may be more suitable depending on your individual circumstances. Kiran Mistry (Insolvency Practitioner) …

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A debt solution, such as an Individual Voluntary Arrangement or Debt Relief Order, means that creditor harassment is illegal once agreed. Whilst a debt management plan is only a voluntary agreement, creditor harassment is unlikely; …

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The choices are: to go bankrupt; to take out an IVA or Independent Voluntary Agreement; or apply for a DRO or Debt Relief Order. Which one you go for will depend on how much you owe, your assets and your income. …

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