Hot tubs Leicester can offer you many different types of hot tubs. You have your larger self contained hot tubs that have all components within the hot tub unit, the non self-contained which is normally the type of hot tub that you see attached to a pool, and then you even have another option which is the portable hot tub. 

These are just a few of your options. A place that specializes in the sales and services of hot tubs can better let you know what your options are. Check out local hot tub specialty stores in your area today to see what hot tub can fit your budget and your needs. Financing may be available for you, so don not automatically assume that you can’t afford one. Consider exploring your hot tub options today. 

Bankruptcies make up most of this figure, but the number of people entering into IVA’s is growing rapidly.  In 2008 the number of bankruptcies increased by 30% whereas the number of IVA’s doubled. In 2009 for the first time, more people will enter into IVA’s than go bankrupt.

What is Bankruptcy?

When you are declared bankrupt, this means you are unable to pay your debts. You must apply through the courts, and then your assets will be divided up between your creditors.

What does it cost?

Typically you will pay £150 court costs, plus an additional £325 to the Insolvency Service.  You may be exempt from the court costs if you are receiving benefits.  Any costs from disposing of your assets are deducted from the proceeds of the sale.

What is an IVA?

This is an agreement between you and your creditors.  It will reduce the total debt, and interest is frozen. While it is in place, no creditor can take legal action against you.

What does it cost?

The fees for an IVA can vary. They will usually involve a setup fee and an annual supervisory fee.  The fees will be deducted from the total amount that the debtor can afford to pay.