If you’re struggling with debt in the UK, an IVA (Individual Voluntary Arrangement) might be the solution you need. An IVA is a formal and legally binding agreement between you and your creditors to pay back debts over a fixed period, typically five to six years. It allows you to regain control of your finances without the need to declare bankruptcy. What is an IVA? An IVA is a de... https://www.hkdebtra.com/iva-個人自願安排/