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Information on Debt Help Through an Accountant in Bankruptcy by Najeen Zahoor Bankruptcy has to be avoided at all costs. This is not because it takes time to be filed and helps one to get out of debt issues, but it is costly and is troublesome. Bankruptcy cannot help you if you have taken unsecured debts. IVA and the Affordable Debt Help It Provides by Najeen Zahoor IVA or the individual voluntary arrangement is a legal arrangement between two parties i.e. the debtor and the creditor. It is quite a new and modern alternative to the concept of bankruptcy. Attacking Bankruptcy Myths With the Facts by John A Cimino Bankruptcy can definitely be a sensitive subject. With the current world-economic situation, more and more people have begun to look at bankruptcy as an answer to their financial woes. There is, though, a cloud of myth that surrounds the subject that, oftentimes, forces individuals to wait too long before they consider it an option for them.