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If you do not improve your financial situation at the end of this year, all your CCS and other debts can be written off. 1. Bankruptcy - the most sensible option in some cases. You can learn more about bankruptcy on our dedicated bankruptcy page! A Debt Relief Order is not the only way to write off your debt. You might qualify to write off as much as 80% of your debts by using an Individual Voluntary Arrangement (IVA). This is like a debt management plan but is has legal weight. Lasts for six years to cover multiple debts through one bigger payment. At the end of the repayment period, any money you have yet to repay is written off. CCS Collect Debt Collectors will need to agree to the legally binding plan.
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