When a person contracts a type of debt, requests a loan or accesses a financing system to be able to acquire some type of goods or services, presumably he is willing to honor his debt in the time agreed by both parties. However, any person is exposed to suffer some kind of mishap at some point during the period of payment of the debt that forces him to fall behind with payment installments or to declare bankruptcy due to the impossibility of paying his debt in full. It is important to know that there are different alternatives that can be chosen in a consensual manner so that you can honor your commitment and get out of debt, one of them is through an individual voluntary arrangement (IVA) legally contemplated between you and your creditors. To find the necessary tools and make this agreement effective and successful, you can contact iva wizard through the address https://www.getoutofdebtfree.org/ and request the specialized advice of an IVA agent to help you. to control the situation and bring it to a successful conclusion.