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With today's credit issues causing many to feel the strainthat debt can bring with it, people are finding that theyare struggling to make payments and need help due to theirdebt issues. There are various options available to helpanyone who is feeling the pressure of debt. One of theseoptions is an Individual Voluntary Agreement or IVA forshort. An IVA is a better option to bankruptcy.When debts are out of control it can be a very stressfultime for most, an IVA can help manage your debts ratherthan struggling to make ends meet each month. An IVA is abinding contract that is arranged between



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