INDIVIDUAL INSOLVENCIES
There were 27,087 individual insolvencies in England and Wales in the third quarter of 2008 on a seasonally adjusted basis. This was an increase of 8.8% on the previous quarter and an increase of 4.6% on the same period a year ago. 
This was made up of 17,341 bankruptcies (which were up 12.1% on the [...]

The Options for a Failing IVA
For those whose business it is to provide IVA services this last year has been very difficult. Provider have seen the fees that they wish to charge slashed by creditors. Whilst this was signalled many enterprises had already staffed up with expensive employees and set in train their marketing expenditure [...]