http://www.isnare.com/?s=author&a=Jensen+Carlyle Finances Jensen Carlyle Sat, 17 Oct 2009 00:00:00 -0700 http://www.isnare.com/?aid=422363&ca=Finances Bankruptcy is the wiping clean of your debts and the liquidation of any assets you possess, notably your home, your car, bank accounts and investments; you are then given a period of supervision, which in the UK is 12 months, and after that you are free and clear to get on with the rest of your life... Finances Jensen Carlyle Sat, 17 Oct 2009 00:00:00 -0700 http://www.isnare.com/?aid=422364&ca=Finances An Insolvency Voluntary Arrangement, or IVA as it is frequently known, is one of the most popular debt management solutions in use in the UK today. An IVA falls far short of the cut-and-dried bankruptcy measure which liquidates all your assets and gives the proceeds to your creditors in order to era... Finances Jensen Carlyle Sat, 17 Oct 2009 00:00:00 -0700 http://www.isnare.com/?aid=422366&ca=Finances Bankruptcy is the final solution to dealing with your financial issues – it is the measure of last resort and should never be undertaken lightly nor without professional advice and assistance. In a nutshell, bankruptcy is where all your assets are liquidated and sold with the proceeds being distribu... Finances Jensen Carlyle Sat, 17 Oct 2009 00:00:00 -0700 http://www.isnare.com/?aid=422368&ca=Finances An IVA or Insolvency Voluntary Arrangement is a legal process which allows you to reschedule your debt repayments over a fixed period and effectively write-off up to 75% of your debts. If you stick to the arrangement and meet the rescheduled payments, after your agreed IVA repayment period is comple... Finances Jensen Carlyle Sat, 17 Oct 2009 00:00:00 -0700 http://www.isnare.com/?aid=422371&ca=Finances There are a number of debt management measures which can provide effective relief from your financial difficulties but they are not a one-size-fits-all – which course of action you choose will depend on a number of factors and you should always seek impartial and professional advice before you decid... Finances Jensen Carlyle Sat, 17 Oct 2009 00:00:00 -0700 http://www.isnare.com/?aid=422379&ca=Finances A salesman’s training manual will tell you that most people buy based on emotion and then justify their purchase with logical reasons afterwards. This is the basis for impulse buying but it underpins so many other reasons we buy stuff and this emotional basis for buying 99% of the “stuff” we run our... Finances Jensen Carlyle Sat, 17 Oct 2009 00:00:00 -0700 http://www.isnare.com/?aid=422377&ca=Finances Field recovery agents or doorstep collection agents have very limited powers and are very strictly regulated in terms of what they must do and what they cannot do under any circumstances. It is important for you to understand what your rights are when you have someone knocking on your door or callin... Finances Jensen Carlyle Sat, 17 Oct 2009 00:00:00 -0700 http://www.isnare.com/?aid=422381&ca=Finances Debt management involves an informal arrangement with your creditors to allow you more time to repay your total debt to them. It may involve reducing or waiving interest and charges, and in rare instances the writing-off of some of your debt (this is quite rare in practice). By rearranging your inst... Finances Jensen Carlyle Sat, 17 Oct 2009 00:00:00 -0700 http://www.isnare.com/?aid=422382&ca=Finances Does this sound like you? You get your paycheck and have your direct debits go out of your account pretty much on the same day. You don’t pay your loans off by direct debit because you have to juggle what money you have left over to pay the minimum balance on your credit cards, HP and other loan com... Finances Jensen Carlyle Sat, 17 Oct 2009 00:00:00 -0700 http://www.isnare.com/?aid=422383&ca=Finances Debt Relief Orders can be used to erase your debts if you owe less than £15,000 and have less than fifty pounds to pay towards your outstanding loans and debts and have assets (typically savings) of less than £300. In other words, you have to be pretty broke in order to use a Debt Relief Order, but...