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Why did the number of people with debt problems fall in 2014? Despite this IVA numbers increased to record levels – Why? Will the overall trend continue?

Personal debt problems in England & Wales are rising in 2014. Why is this happening? More people choosing IVAs. What impact will a rise in interest rates have?

The number of formal personal insolvencies in England & Wales fell in 2013. However do the figures fail to show underlying debt problems?

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?

Personal insolvencies in Q1 2013 lowest since 2008. Bankruptcies falling while number of IVAs is rising. What are the reasons for this? Is it a problem?

Personal insolvencies across 2012 lowest since 2008. Why are the numbers falling? Are low interest rates a factor? Will these numbers start to rise again?

Bankruptcy figures are still on the decline in Q3 2012. Does the cost of Bankruptcy put people off? Future predictions for Bankruptcy levels.

27% less people have gone Bankrupt in Q2 2012 than the same quarter in 2011. Is cost the reason? Overall figures of debt problems remain stable.

Modest fall in personal debts. Reduction in number of bankruptcies. Swapping to informal debt management solutions. Debt problems likely to continue.