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導航債務重組的動盪水域可能是被認為之一人生最挑戰那是艱鉅。所有人，財務失誤，意外成本或財務低迷可能會導致義務是壓倒。幸運的是，你可以找到有效的策略可以訪問幫助個人恢復控制這些財務。在這篇具體文章中，我們要去explore voluntary那是individual (IVAs),債務和解產品（DRP）和破產，展示確切的方式每個都可以充當時代希望的燈塔在經濟困擾。 一個人自願安排（IVA）簡直就是堅固的工具對於許多人狩獵債務和解這當然是結構。本協議那是正式的個人協作獲得結果使用他們的債權人創建量身定制的可管理付款計劃關於財務困境。同時，在三到六年的時間內從債權人騷擾和法律訴訟中獲得安全性，個人會定期還款適合其支出計劃。剩下的不安全的債務通常是消除，提供一個新鮮開始和更新感覺成功完成後的貨幣自由為了IVA。 債務減免計劃（DRP）提供替代avenue for debt administration through negotiation for a various note.這個系統targets reducing多少通過與債權人直接合作以確保定居點經常被欠低於你的債務這當然是最初的。D

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