In Chapter 13 bankruptcy, you can maintain your belongings, but the value of nonexempt, luxurious assets is utilized to barter a repayment system together with your creditors. An IVA is actually a legally binding settlement together with your creditors – the people or organisations to whom you owe money – https://jasperunaqy.pointblog.net/details-fiction-and-insolvency-advice-68975260