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Cecilawal
An IVA or Individual Voluntary Arrangement is a Government approved scheme that allows you to turn your loans, credit cards, store cards and other debts into one affordable, single monthly payment so that you can pay off your debts and get on with your life
Once again I fell down the martial arts rabbit hole and am plumbing the murky depths of the internet's various martial arts and fighting crafts echo chambers.
If you're not actively involved and only get up to speed every few years or so, you can see the tide of public opinion flapping worse than my dong while I'm skipping naked down a hallway.