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Debt Management vs IVA Comparison

	Debt Management	IVA
Protects me from all unsecured creditors
Avoids having to sell my house to release equity
Stops interest building up
Creditors are obliged to write off the debt
Creditors are obliged to help
The arrangement runs for a fixed period
Creditors will stop chasing me
It avoids the stigma of bankruptcy
My problem is kept out of the local newspaper
The people arranging it have to be qualified and licensed

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