A great alternative to bankruptcy is taking out an IVA. Although this is an option which is not available to everyone, it could provide you with the perfect way of getting out of debt. This is a legally binding agreement which is made between your creditors and you. Although you are tied to the contract which is created you do not have to worry about the implications which can complicate things when applying for bankruptcy such as: Losing your job if it is affected by bankruptcy such as the armed forces, insurance sales, accountancy and the armed forces. Losing...