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Bankruptcy is a debt management solution that should be considered when you cannot pay your debts as they fall due.
A debt management plan (DMP) can be an effective debt solution, before considering IVA’s or bankruptcy...
An IVA is a legal binding agreement between you and your creditors, to pay off an agreed amount of debt over a 5 year period.
If you live in Scotland and are
struggling to pay off your debts,
you could consider a trust deed.