Just because something works for one person does not mean it will for the next. Finding the right debt planning options is an individual thing because everyone has individual financial circumstances. It is something where a debt counsellor has to sit down with you and learn in detail exactly what your financial position is. Once they determine you debt obligations and your sources of income only then can sound advice be given.There is a criterion that must be met in order to get the most benefit out of Individual Voluntary Agreement. It is not a quick fix. You will soon learn that there is no such thing when it comes to debt management. IVA is geared towards individuals who realize they are in financial trouble but are still capable and have the means of getting it under control. IVA’s are not
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