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People with ‘substantial’ debts (around 15,000GBP or extra) might wish to contemplate an IVA, a debt solution through which creditors agree to write down off a portion of the debt if the borrower pays again the remainder over an agreed time period (usually 5 years).
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What is Pligg?

Pligg is an open source Content Management System (CMS) that you can download and use for free.