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An IVA (Individual Voluntary Arrangement) could be the solution to your debt problems with the help of DebtMastersDirect.

An IVA is a legally binding agreement between you and your lenders. By accepting the IVA, your lenders are agreeing to accept lower payments, not to pursue any legal action against you (including trying to make you bankrupt), and to write off any outstanding debt at the end of the IVA. You agree to pay as much as you can afford for the time agreed. Why not take our advice and support on this and you could be debt free in as little as 60 months.