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Bankruptcy has a certain ring to it, a bad one. People tend to shy away from you, almost like it’s the plague.

That’s why there is an alternative to bankruptcy - IVA - Individual Voluntary Arrangements.

So what are they? And what kind of advantage do they give over a bankruptcy? Here are the major points:

• 75% of debt written off
• Be debt-free in 5 years
• One, manageable monthly repayment
• Government backed solution to debt
• End the hassle of creditors calling

The usual story is to blame - easy credit cards and people not paying them off. The credit crunch caught up with them and they find themselves unable to pay. That’s why IVA’s are a good solution instead of bankruptcy. It has to be accepted by your creditors, 3 out of 4 of them, and you have to pay them off over 5 years.

Eliminating debt is the best way to ensure that the money you earn is going to be used properly, rather than paying off interest on debts.

Create a real, workable plan for yourself and eliminate debt legally. Don’t use some pyramid scheme or a fancy obscure method to get rid of debt, do it the right way, save yourself money, and live the rest of your life happy.

With the way that life’s debts stack up, mortgage, car, credit card debt, you can really get yourself buried underneath a mountain of payments and never see the light of day again. Work yourself up a debt payoff plan and really get the debt sorted out, and then any money earned will actually be yours!

One of the ways to do this is with debt stacking, a method of paying off your debts. How does this work: as you complete one credit payoff add the repayments from that paid-off debt to the next debt on your list. This is paying off the debt the right way.

Finding the right credit card can be a bit of a pain, and a lot of us just plump for the latest bit of mail we get. If you want the right one you have to do a bit of legwork though.

Being a economically ascending nation in the European Union, Ireland is somewhere where citizens can get good deals on credit cards. One such card might the Amex Ireland card, an American Express card for Ireland with no pre-set spending limits, and some really amazing benefits such as travel insurance, special airfares, hotel rates, and reward points for spending.

For a rundown of the available Bank of Ireland Credit Cards you should visit and take a look at such cards like: Ulster Rugby Card, Queen’s Affinity Card, or the Student Credit Card.