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The Cost of an IVA

Do you have to pay an up front fee to start an IVA? How much does an IVA cost after it is accepted? How are the fees paid? Are IVA costs standard?

Could choosing an IVA over bankruptcy be a costly mistake?

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?