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    With one third of all debt in Europe owed in the United Kingdom, and some say with IVAs (individual voluntary arrangements) becoming increasingly more popular, it
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    and some say with IVAs (individual voluntary arrangements) becoming increasingly more popular, i
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    al voluntary arrangements) becoming increasingly more popular, i
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    ing increasingly more popular, it’s never been easier to write bad debts off. As the New Year approached, many experts were anticipating the number of people fili

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