This article explains what an IVA - Individual Voluntary Arrangement is and how it can help people be debt free in just 60 months. Up to 75% of the debt can be written off!

With the nation's debt becoming a growing crisis, here's a few hints and tips on debt management from a leading finance expert.

Some of us think the topic of debt doesn't touch us and will never ever do. When we are not in debt we hardly take it serious. This is not the best way to achieve safety and prosperity.

This article offers advice for consumers choosing between credit counseling and debt settlement as possible debt relief solutions. Much of the debate about which program is better centers around 4 questions.

Recent legislation has severely restricted the ease with which a debtor may file bankruptcy so you may want to consult a bankruptcy lawyer before filing. The debtor does not have to show that he or she is insolvent (i.e. can't pay the bills) to qualify for bankruptcy, but if the debtor has had a case dismissed for lack of cooperation the debtor is prohibited from filing again for a period of 180 days.