How IVA or Individual Voluntary Agreements Can Ease Your Financial Load

Any frugality or finance expert will tell you that debt is bad. You shouldn’t have debt. Debt is something to be avoided at all costs.
But sometimes debt is unavoidable. Sometimes there are extenuating circumstances. Or sometimes the debt is from the past, and while you are avoiding making any new debt, the debt load that you have is still there.
The worst part about debt is not the debt