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Compare the options

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| Questions |
IVA |
Bankruptcy |
Debt Management/ Debt Reduction Plan |
Refinancing |
| Does it legally protect me from all creditors' harassment and court action? |
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| Is my property protected from creditors forcing a sale in order to introduce equity? |
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| Will this agreement automatically stop all future interest and charges on my debts? |
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| If a creditor doesn't agree to the scheme can they be compelled to do so anyway? |
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| Will a proportion of my debt be written off? |
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| Is it a private arrangement? |
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| Does it run for a fixed period of time? |
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| If there is a complaint is there a regulatory body that I can turn to? |
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| Does the arrangement have to be administered by a qualified professional? |
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| Will it affect my credit rating? |
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