It is important that everybody considers all the options before deciding the best way forward.
Sometimes people enter into an IVA and it was the right thing at the time - circumstances change and they have to go bankrupt.
It's never an easy decision.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I agree that BR isn't the easy option, and it's a decision that will affect your whole life. I don't regret doing it as I didn't really have a choice but it's definitely not a decision to be taken lightly.
