Bankruptcy

As individuals one of the first things we are taught when it comes to our finances is the fact that we cannot spend that which we do not have

Insolvency

Insolvency IVA is a great way to help you manage your debts and learn how to come out of your financial mountain

Bankruptcy

Unfortunately there are times when its possible we may need the services of a bankruptcy lawyer for accrued debts

Solutions

Most debts are taken in times of extreme need and there are many solutions that can be used to get out of debt

What we Do

Individual & Corporates Accounting Services

IVA Help

Individual voluntary arrangement (IVA) is plan that was introduced by the insolvency act of 1986 to provide people with an alternative to being declared bankrupt

IVA Advice

An IVA can let you enter into a repayment agreement with your creditors which is a legally binding agreement and an alternative to declaring bankruptcy

IVA Calculator

An IVA Calculator is something that is used to determine if someone is eligible for an Individual Voluntary agreement

Resources & Calculators

Useful Resources for Financial Management & Forecasting

401k Calculator

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Interest Calculator

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Retirement Planner

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Payment Manager

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Bankruptcy

As individuals one of the first things we are taught when it comes to our finances is the fact that we cannot spend that which we do not have. Daily temptations have a way of changing the way we look at that philosophy and because of a false sense of security with our credit cards many of us end up turning to bankruptcy to help us out of our predicament.

As responsible individuals it should be our plan to ensure that all of our bills are satisfied in a timely manner and for the most part that seems to be the case. Unfortunately there are times that we end up in situations that are unexpected and we resort to the services of a bankruptcy lawyer.

Heading to bankruptcy court is certainly not an advisable option, unless of course it is a last resort. Filing for bankruptcy can have a variety of adverse effects on the one who chooses that route. In most cases such an action can remain on our record for many years to come, making future financial transactions tedious at best. Bankruptcy codes may differ depending on where you live, however, the end result is usually the same. In order to avoid bankruptcy the person in trouble may wish to consider some other alternatives such as trying to make arrangements with the one that they owe. In the majority of cases the creditor will accept half a loaf instead of none.

But what if you have already filed and you are trying to get back on your feet, what then? Although life after bankruptcy can be a little rough financially it is not a lost cause, in fact many have gone on to regain their financial standing in life to a level it was before they filed. This is not to suggest that choosing to file for financial relief is the right thing to do, but it is something to weigh very seriously before opening that door. Try to learn from your mistakes, don’t think that filing for financial relief is the way to rack up bills and then wipe them off as this never works.

Contact Us

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info@diviaccountant.com

(235) 462-3512

1234 Divi St. #1000, San Francisco, CA 93215

M-F: 8am-5pm, S-S: Closed