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	<title>Debt Archives - Irwin Insolvency</title>
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		<title>How should I deal with debt collectors?</title>
		<link>https://www.irwin-insolvency.co.uk/how-should-i-deal-with-debt-collectors/</link>
		
		<dc:creator><![CDATA[Gerald Irwin]]></dc:creator>
		<pubDate>Fri, 23 Aug 2019 16:00:27 +0000</pubDate>
				<category><![CDATA[Irwin Insolvency]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Debt]]></category>
		<guid isPermaLink="false">https://www.irwin-insolvency.co.uk/?p=3668</guid>

					<description><![CDATA[Most people are thrown into a blind panic when they hear the words ‘debt collector’, and if you are receiving endless calls or letters from a Debt Collection Agency (DCA), although you might be tempted to ignore them, this is not a good approach as they are unlikely to stop contacting you. If you have been in arrears for some time with your lender, and especially if you have been issued with a default notice, it is highly likely that your debt will either be sold or managed by the DCA in order to obtain repayment of funds. Either way, the DCA can make a decent profit from your debt and as their reputation dictates, they do not give in likely when it comes to tracking you down and getting you to pay. However, even [&#8230;]]]></description>
		
		
		
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		<title>Is a Debt Relief Order Right for Me?</title>
		<link>https://www.irwin-insolvency.co.uk/debt-relief-order-right-for-me/</link>
		
		<dc:creator><![CDATA[Gerald Irwin]]></dc:creator>
		<pubDate>Wed, 24 Jul 2019 08:00:36 +0000</pubDate>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Irwin Insolvency]]></category>
		<category><![CDATA[Debt]]></category>
		<guid isPermaLink="false">https://www.irwin-insolvency.co.uk/?p=3618</guid>

					<description><![CDATA[According to The Money Charity, people in the UK owed £1.637 trillion at the end of April 2019. The Office for Budget Responsibility’s forecast is for household debt to reach £2.425 trillion in 2023-24. If you are in financial difficulties and your options seem limited, then one form of insolvency you could consider is the Debt Relief Order (DRO). However, to have your debts written off by a DRO you must qualify for it. Debt Relief Orders are right for some people, but not for everyone. Who is a DRO For? The DRO is suitable for people who are struggling to repay small debts but are on a low income with relatively few assets. If you owe more than £20,000 you are not eligible for a DRO. To qualify, you must have a low level of [&#8230;]]]></description>
		
		
		
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		<title>Warning signs that you’re running into financial trouble</title>
		<link>https://www.irwin-insolvency.co.uk/warning-signs-that-youre-running-into-financial-trouble/</link>
		
		<dc:creator><![CDATA[Gerald Irwin]]></dc:creator>
		<pubDate>Thu, 04 Apr 2019 08:00:24 +0000</pubDate>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Insolvency]]></category>
		<guid isPermaLink="false">https://www.irwin-insolvency.co.uk/?p=3306</guid>

					<description><![CDATA[There’s so much talk about personal hardship these days that it’s difficult to know where to start. Whether its homelessness or the ever-increasing use of food banks, poverty is all around us. But it’s easy to be complacent about it. Too many people look at those who’ve run into trouble and point the finger of blame at them for their own misfortune, but losing a home and ending up sleeping on the streets is frighteningly close to reality for some people. How Long Can You Keep a Roof over Your Head? It’s a straightforward question, but it’s also the main factor in whether you can stay afloat. Without an address of your own, everything else becomes much more difficult. But the cost of keeping that address, whether through mortgage repayments or rent, can be crippling. [&#8230;]]]></description>
		
		
		
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