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2. Individual voluntary arrangement - Wikipedia

   en.wikipedia.org/wiki/Individual_Voluntary...

   An individual voluntary arrangement (IVA) is a formal alternative in England and Wales for individuals wishing to avoid bankruptcy. In Scotland, the equivalent statutory debt solution is known as a protected trust deed. The IVA was established by and is governed by Part VIII of the Insolvency Act 1986.

3. Simplified individual voluntary arrangement - Wikipedia

   en.wikipedia.org/wiki/Simplified_Individual...

   The simplified IVA (SIVA) was likely to have been two tiers: Tier 1 would have an upper limit of £25–30,000, and; Tier 2 would have an upper limit of £75,000. The approval of an SIVA was likely to have been based on a simple majority instead of the existing 75%. The government decided not to proceed with the proposals for SIVA in November 2008.

4. Company voluntary arrangement - Wikipedia

   en.wikipedia.org/wiki/Company_voluntary_arrangement

   Under UK insolvency law an insolvent company can enter into a company voluntary arrangement (CVA). The CVA is a form of composition, similar to the personal IVA (individual voluntary arrangement), where an insolvency procedure allows a company with debt problems or that is insolvent to reach a voluntary agreement with its business creditors regarding repayment of all, or part of its corporate ...

5. How to spot debt collection scams: 8 signs to watch out for

   www.aol.com/finance/spot-debt-collection-scams-6...

   Claim your reports online, then review them carefully to see if the debt is listed. Familiarize yourself with the FDCPA. This law prohibits deceptive or abusive practices by debt collectors ...

6. Alternatives to debt relief - AOL

   www.aol.com/finance/alternatives-debt-relief...

   Debt consolidation is the process of combining multiple debts into one. There are many ways to consolidate debt , including taking out a new loan, line of credit or balance transfer credit card to ...

7. Choosing a debt consolidation lender: How to find the best

   www.aol.com/finance/choosing-debt-consolidation...

   A debt consolidation loan can provide a lower interest rate than most credit cards. According to Bankrate data, the average personal loan currently has an interest rate of around 12 percent. That ...