For many, gambling is a harmless hobby, but for others, the allure of this pastime can lead individuals down a path of financial hardship, resulting in accumulated debts. According to a 2022 study by Citizens Advice, 18% of people who regularly gambled online were in significant gambling debt. That equated to 3.3 million people. This…
If you find yourself seriously struggling with debt, it could be time to act. Although insolvency is not something that should be considered lightly, in certain circumstances a statutory debt solution can be your best option. Indeed, solutions such as an Individual Voluntary Arrangement (IVA) or bankruptcy can enable you to clear your debts and…
If you’re struggling with significant levels of debt, an Individual Voluntary Arrangement (IVA) is one option to regain control of your finances. However, the lasting impact of an IVA on your future financial health, and in particular your credit score, do need to be seriously considered before entering into the IVA process. In this guide,…