Archive for the "Debt Consolidation" Category

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How to Manage and Keep Track of your Household Budget

Our encounters with debt situations and our introduction with the debt relief processes and debt settlement companies have not been a happy one for sure and somehow our lack of financial literacy and failure to manage personal finances, of which budgeting is the most important part, could be held responsible for those conditions. A budget […]

You will need an emergency fund to meet the unexpected costs

Despite a lot of financial planning that we may carry out, it is difficult to achieve the desired equivalence between the cost and the expenses. Instead, we always have to cope with the hard realities while facing the financial challenges. The citizens of America have remained in a similar situation since the onset of recession […]

Getting Help with Debts with an IVA

In this day and age, it is not unusual for couples to need help with their debts.  Weakness in the economy, the loss of a job or even a prolonged illness can sometimes result in the need for some sort of debt help.  When this happens, it is important for couples to seek debt advice […]

What Exactly Is An IVA or Individual Voluntary Agreement

Many people are completely unaware of the Individual Voluntary Arrangement or IVA, until they have a need to deal with a debt load that is threatening to undermine their lives and create a high degree of distress in their personal finances.  For this reason, understanding exactly what this agreement is and what it entails is […]

IVA v Bankruptcy – Which is Better

Anyone who finds themselves in dire financial straits will sometimes ponder which approach is in their best interests, an Individual Voluntary Arrangement or IVA or going with bankruptcy.  While each approach has certain advantages, the fact is that taking the IVA route is often the most prudent move.  Here are some of the reasons why. […]