Credit card balance transfers: a good idea?
There are a number of things you can do to manage your credit card debts, and a popular method is a `balance transfer`: transferring your existing credit card balance onto a new card.
The IVA process
If you decide to enter into an IVA, you will need to go through an application process. This begins with calling a debt adviser (or an Insolvency Practitioner - IP) to establish whether it is the right option for your circumstances.
Make your home energy-efficient and save money
In this day and age, most of us feel some kind of responsibility towards the environment, and part of that involves doing what we can to save energy.
IVAs and insolvency in 2010
Although there have been signs that the economy has started to recover, many people continue to struggle with debt - and it`s likely we`ll see high numbers of insolvencies this year, too.
How much debt do I need for a debt management plan?
There is no set lower or upper limit for the amount of debt needed to qualify for a debt management plan. Whether you are eligible for a debt management plan will depend primarily on your ability to meet your existing debt repayments, and on what you can afford to pay per month.
Can I delay my IVA payment?
If you have an unexpected bill or a change to your financial circumstances, you may be able to take a short payment break, as long as your IP and your lenders agree to this.
Comparing IVAs with debt management plans
IVAs and debt management plans are more suited to different people for different reasons. Before you enter into any debt solution, it`s vital that you understand what`s involved.
IVA: questions and answers
Like any debt solution, an IVA has its advantages and disadvantages - and you should be aware of these before you make a decision about whether or not an IVA is right for you.
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