Case Studies...
Below are our articles on the subject of Case Studies. If you can't see what you are looking for our other categories are displayed on the left under 'Our Quick Links'...
A Debt and Stress Free Life
Serious debt is easy to fall into and can lead to stress related medical complaints, but kicking the debt habit can see an improvement in both health and lifestyle....
Are IVAs Detrimental to Your Debt Record?
With debt on the increase more and more people seem to be taking out IVAs but does that mean they are less detrimental than they used to be?...
Are You Eligible for an IVA?
An IVA is a popular way to restructure debts and pay creditors but this arrangement may not be suitable for everyone and there are certain eligibility requirements....
Bankruptcy vs an Individual Voluntary Arrangement (IVA)
Bankruptcy and IVAs are just two options for people with severe debt problems but how do they compare with each other?...
Can I Still Get an IVA in Light of Current Circumstances?
The economic crisis is making people struggling financially, IVAs are a lifeline for many borrowers....
Can 'Sell and Rent Back' Help Me Out of Debt?
If you're home is at risk of being repossesed then you'll be looking for any solution but are sell and rent back schemes a viable solution?...
Common Debt Solution Alternatives to an IVA
An Individual Voluntary Arrangement may not be suitable for all debtors and there may be better alternatives including Administration Orders, remortgaging and even bankruptcy....
Debt Help Companies That Can Be Trusted
There is a huge choice of debt help or debt management companies in the UK and consumers should use safety checks when choosing a reputable debt help company....
Debt Relief Order: The Best Alternative to an IVA
For debtors with a low income a Debt Relief Order may be the best alternative to an IVA but there are pros and cons to both debt solutions....
Deciding on an IVA
Using an IVA is not a quick fix debt solution and does require a commitment on the part of the debtor - deciding on an IVA should take much consideration....
FAQ: Avoiding IVA Scam Companies
There are many IVA scam companies that bank on the debtor’s naivety, and spotting the warning signs given by the scammer should save the debtor time and money....
FAQ: How to Avoid Repossession
Repossession can be the ultimate consequence of serious debt but there are ways to stop repossession including IVAs and home owner rescue packages available from the government....
FAQ: Life During an IVA
Life during an IVA will take a certain amount of financial adjustment but an Insolvency Practitioner should be able to help guide the debtor through the IVA process....
FAQ: The IVA Process
The IVA process varies very little from company to company and there is a set procedure that must be followed by Insolvency Practitioners during the IVA set up....
Government Help for People in Debt
Debt is getting out of control and the current economic climate means things will only get worse, so what will the Government do about it?...
Government Policy: Is Bankruptcy Easier Than an IVA?
New plans from the Government will remove the stigma of bankruptcy but that doesn't mean it is the easier option...
How Bad is Debt in the UK?
The debt problem in the UK is the worst it has been in recent years, but what is causing the problem?...
How can I Prepare for Retirement to Avoid Debt?
Retirement should be relaxing and fun but this is often not the case due to financial difficulties...
How Do IVAs Work?
Individual Voluntary Arrangements are used to help people in debt but how do they work?...
How Do People Get Into Debt
Getting in to debt can happen to anyone and getting into that downward spiral is easier than you think if you’re not careful....
How has the Credit Crunch Affected Debt in the UK?
The US credit crunch has had drastic effects on the UK economy but how will it affect borrowers?...
How I Assessed My Debt Options: Sample Cases
Finding the right debt solution as early as possible could save thousands of pounds in mounting interest payments and penalty fees, especially if you have uncontrollable debts....
How Important is Health Insurance to Avoid Debt?
You probably don't think twice about insuring your property or belonging but what about your health?...
How to Avoid County Court Judgements
County Court Judgements are a common method used by creditors to recover debts but can be avoided by simply contacting creditors to arrange a new repayment plan....
How to Avoid Getting Into Debt
Getting into debt is easier than it looks but if you are careful with your money and budget correctly you should stay in the black....
I have been Refused an IVA, what Next?
IVAs are often seen as a last resort so what happens if you are refused one?...
If I get into Debt can I get Credit in the Future?
Getting into debt is easier than you might think but how will it affect your ability to get credit in the future?...
If my House is at Risk of Repossession what can I do?
Reposessions are on the increase, but what can you do if you're at risk?...
I'm a Pensioner and am Falling into Debt, what can I do?
Many pensioners are finding themselves struggling to cope financially, but are they struggling for now reason? Is there a solution?...
I'm a Student and in Debt, what can I do?
Your student years should be the best of your life but debts can mean they are the most difficult....
I'm Getting Divorced and at Risk of Debt, what can I do?
Divorce can be a difficult and emotional time, but unfortunately the prospect of debt can also be a worry...
Is Debt Becoming More and More Common?
With the economy in crisis and the 'I want it now' culture debt is now a huge problem in the UK....
IVA Timeline: From Application to Acceptance
In general an IVA will take around 60 days from application to acceptance but this length of time can be shortened depending on certain factors....
IVAs and the Credit Crunch
As debt spirals out of control more and more consumers are seeking a way out....
I've Lost my Job what can I do?
Losing your job is traumatic but there are things you can do to be prepared for such an event....
Life After an IVA: Staying Debt Free
The end of an IVA should be seen as financial fresh start and staying debt free can be achieved by using the financial lessons learnt during the IVA period....
Loans and Clearing Debts
Loans are often used to consolidate debt but are they a good solution?...
Managing Your Credit Card Debt
Credit cards can be useful, but only if they are used responsibly....
My Creditors Won't Agree to an IVA: What Now?
Being refused an IVA is not the end of the world, there are other option available to you....
New Debt Industry Standards and IVA
The Lending Standards Board has applied new lending codes that provide greater protection for consumers looking for feasible debt solutions but customers should also be aware of misleading debt inform...
Pro's of IVAs
IVAs may get some negative press but for some people they are a lifeline...
Remortgaging and Debts
Remortgaging could be a solution to debt but how safe is it?...
Saving Your Business With an IVA
A business IVA may be a viable debt solution to avoid bankruptcy if the small business can convince creditors that they have a viable long term business plan....
Sell and Rent Back: Facts and Myths
Sell and rent back schemes are not regulated by the government, which means there is very little protection available to the seller once the sale has gone through....
Simple Answers to Common IVA Questions
An Individual Voluntary Arrangement can be a good debt solution for those with over £15,000 of debt but this is a five year commitment and there are some eligibility requirements....
The Debt Calendar
Debt problems can get worse at different times throughout the year, it’s important to learn when to reign in your spending....
The Disadvantages of IVAs
IVAs should not be entered into lightly as the consequences can be severe....
The Facts About IVAs in Britain
An IVA is a major financial commitment and debtors should be aware of all of the facts, positive and negative, before committing themselves to this arrangement....
The Realistic Way to Clear Personal Debts
There are no quick fix debt solutions, and realistically clearing personal debts will take time, effort and some financial sacrifices....
The Truth About IVA Companies
There are numerous companies in the financial sector that offer IVA debt solutions but not all of these companies will put the best interests of the debtor first....
UK Cost of Living and Hidden Personal Debts
Many people in the UK are keeping their true personal debt levels hidden from partners and spouses but these secrets can lead to health problems caused by debt stress....
Using a Financial Planner to Avoid Debt
Creating a financial planner can help to avoid debts by becoming financially smart and creating more disposable income instead of wasting money on interest fees....
What Happens if I get Ill and can't Pay My Mortgage?
If you are self-employed getting ill can mean debts mount up, so what should you do?...
What is a Credit File?
Your credit file will determine whether you can borrow in the future and, if poor, could have detrimental effects...
What is an ERO?
EROs are part of a new government initative to help people in debt but how useful are they?...
What is an IVA?
IVAs were created to help people with severe debt and are a viable alternative to bankruptcy for some....
What is Bankruptcy?
Bankruptcy has some serious sonsequences but can be benficial to people in severe debt...
What the Government Says About Debt and the IVA
The Government is aware the UK has a debt problem, but what is it doing about it?...
When My Mortgage Deal Expires, what can I do
The way lenders and banks in the UK lend money has changed and the deals that were on offer are no longer avilable so what can you do if your mortgage deal is about to expire?...
Who Can Get an IVA?
IVAs are a viable solution to debt for some people but they are not available to everyone....
Who Can I Turn to When I Fall into Debt?
Being in debt can be frightening and embarrassing but there are people on hand to help....
Why is Debt Such a Problem in the UK?
Debt in the UK is at an al--time high but who is to blame?...
Will the Credit Crunch Affect My Debt?
Debt was on the increase in the UK even before the global credit crunch struck, but what will happen now?...