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It has been estimated that Brits, who are experiencing problems with debts, have unsecured debts of £25billion pounds. Debt management company TDX Group estimates that one million people are struggling to cope with an average of 25, worth of unsecured debts out of a total UK consumer debt mountain of 1.4 trillion pounds. That could see the number of people taking out individual voluntary arrangements (IVAs) - an alternative to bankruptcy, - double this year.


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Chapter 13 bankruptcy allows an individual to pay off his debt over time. The process starts when the individual files a petition with the bankruptcy court. This petition includes a complete list of all the individual's debts and assets. Additionally, the petition must include a payment plan that describes how the debt will be paid off over the next three to five years.

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