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What is a Debt Management Plan?

A Debt Management Plan is an informal and flexible approach, the purpose of which is to resolve personal debt problems where the debtor has difficulty in repaying debts as they fall due.

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How to Qualify for a Debt Relief Order

It is relatively easy to determine if you are eligible to apply for a Debt Relief Order. First of all you must be currently resident in England or Wales or, at any time in the last three years, have been resident or carrying out business in England or

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Annulment of Bankruptcy

In the world of personal insolvency the annulment procedure applies to bankruptcy only. Only the court has the power to order the annulment or cancellation of a bankruptcy order that has already been made.

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Dealing with the Official Receiver in Bankruptcy

The Official Receiver is a civil servant in The Insolvency Service and is an officer of the court and acts as the bankrupt’s trustee unless the court appoints an Insolvency Practitioner (IP) to take that role.

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What Happens After Bankruptcy?

Our previous article was entitled ‘How to go Bankrupt’. This article looks at the aftermath of becoming bankrupt.

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How to Go Bankrupt

If you want to find out more about how to go Bankrupt, then read this article detailing a more in-depth view on Bankruptcy. This article is written in a simple format with the key steps in going bankrupt in England and Wales explained with links to sources of additional and more detailed information, provided for those who wish to look into the matter more

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Famous Bankrupts Who Bounced Back

Bankruptcy is frequently described as the option of last resort for people in financial trouble. Yet some crumbs of comfort can be gleaned by people contemplating bankruptcy from the stories of people who were declared bankrupt, sometimes repeatedly, and yet rose phoenix-like from the ashes of their personal finances to achieve great things.

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Dealing with the Fifth Phase of an IVA

The fifth and final phase of the IVA could be described as the beginning of the end of the debtor’s financial nightmares. Many insolvent debtors who choose to enter into an IVA enjoy and indeed celebrate this final phase.

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Dealing with the Fourth Phase of an IVA

Acceptance by creditors of the IVA proposal at the MOC is a high point for many debtors and completes the third phase of the process as described in the last article. The fourth phase is the commencement of the IVA and is the beginning of the execution phase.

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Dealing with the Third Phase of an IVA

You have at this stage completed the first phase of your IVA which involved taking advice, planning what to do about your insolvency and making appropriate decisions. You have also completed phase two which was the preparation of your IVA proposal in co-operation with your chosen insolvency firm which then circulated it to your creditors with a date and venue for holding a meeting of your

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