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You do not have to use a DMP before starting an IVA. When is it best to start a DMP first? Are there any downsides of starting DMP before an IVA?

You do have options if your DMP is not working. Can you change your payments or management company? Is there a more suitable debt solution for you?

Number of people with debt problems increases in Q2 2013. Bankruptcy numbers fall. Are people avoiding Bankruptcy due to the upfront cost. Is this a mistake?

Cases of home repossession during an IVA are rare but possible. Can any mortgage shortfall be included in the IVA? Would it be better to go Bankrupt?

How is income calculated in Bankruptcy? Is your partner’s income included? What if you are receiving benefits or a pension? What if your income changes?

You will be allowed a reasonable living expenses budget in Bankruptcy. Do you still control your money? How can you pay your expenses? Must you pay your debt?

Is bankruptcy a suitable debt solution for you? Paying a bankruptcy fee. Will you lose your home, personal possessions, pension or your job if you go bankrupt?

The facts about Debt Management Plans. How long will it take to repay your debt? Will it protect your credit rating or home equity? Will interest be frozen?

The facts about Bankruptcy. Is it still advertised? Will it affect your credit rating more than other solutions? Are household items sold? Is travel allowed?