How to Manage Spiraling Debt
There are two main options for those in major debt, debt management and an Individual Voluntary Arrangement or IVA. Your personal circumstances will determine whether debt management or an IVA is the right option for you. Please remember to take care when accepting advice from unethical companies, whether they are suggesting an IVA or debt management be sure that you are getting the right advice. Reputable credit counselling organizations employ counsellors who are certified and trained in consumer credit, money and debt management, and budgeting.
