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    <dc:rights>Copyright 2010</dc:rights>
    <dc:date>2010-02-09T09:37:11+00:00</dc:date>
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      <title>IVA</title>
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      <description>&lt;p&gt;Can anyone recommend a good IVA company? Also, has anyone had any bad experiences with an IVA and could perhaps suggest another alternative to bankruptcy? Thanks. D. Strain.
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      <dc:date>2008-01-03T11:16:28+00:00</dc:date>
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      <title>What happens if I default on my IVA&#63;</title>
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      <description>&lt;p&gt;If my personal cirucmstaces change and I can&#8217;t meet the IVA repayments, what is likely to happen? Is bankruptcy the only outcome?
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