297 A3

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297 A3

Fall in Insolvencies May Mask Future Debt Problems

Financial solutions company GregoryPennington.com anticipates a rise in the number of people experiencing debt problems in the coming months, despite a year-on-year fall in individual insolvencies.

A recent report from the Insolvency Service (www.insolvency.gov.uk) suggested that the number of people entering into IVAs in the second quarter of 2008 had fallen to 9,256, down from 10,561 a year previously – a drop of 12.4%.

At the same time, bankruptcies had fallen from 16,214 in the second quarter of 2007 to 15,297 in the second quarter of 2008 – a fall of 5.7%.

Given the onset of the credit crunch in recent months, the statistics may come as a surprise to many. But Melanie Taylor, Head of Corporate Relations at GregoryPennington.com, said that the falls in both IVAs and bankruptcies should not be taken as a sign of long-term recovery. “Most economists are predicting an economic downturn,” he says, “which certainly doesn’t raise hopes of the number of people in debt decreasing anytime soon.”

Other indicators, such as the Financial Services Authority’s report that repossessions rose 40% in the first quarter of 2008 compared with the same time last year, do indicate a sharp rise in the number of people facing financial difficulties.

Ms Taylor suggested that this could be an early sign of things to come. “As things stand, we would expect the number of people experiencing debt problems to increase fairly significantly, due to a combination of the credit crunch, rapidly growing costs of living and rising unemployment.

“These things take a while to ‘filter through’ to the wider economy. Typically, lower-income families will be hit first, since they have less money to spend – but that then hits the companies where they usually spend money, so their staff are affected too. Eventually, most people are affected financially in some way.

“This in turn could lead to increasing numbers of people who can no longer manage their debts – and it’s essential that these people get expert help as early as possible.”

But Ms Taylor was keen to emphasise that debt help via both IVAs and bankruptcy are valid ways of getting out of unmanageable debt. “An IVA can be a great help to people with over £15,000 of debt,” he said. “It allows a significant portion of their debts to be repaid in convenient monthly payments, usually for five years – after which the remaining debt is written off.”

He continued: “There is something of a stigma surrounding bankruptcy, but in the right circumstances it may be the best possible way of making a fresh start.

“People who go through bankruptcy are subject to some restrictions – for example, they are highly unlikely to be able to borrow any more money for a number of years, and they will most probably be forced to sell any valuable assets they own. But once the bankruptcy process is complete, they will be legally debt free, and able to get on with their lives.”

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Frequently Asked Questions...

maths assignment?

As has been seen the dimensions of the various A size are mostly awkward numbers of milimetres; for example A3 paper measures 420mm times 297. A manucfature wishes to produce a basic sheet of paper of area 1m square(i dunno how to type the small 2..lol) and divide the sheet into different sizes, the dimensions of which are whole numbers of milimetres, bearing in mind that the shapes to be practical.


Answer:

Theres heaps of answers isn't there?
Unless I didn't understand the question
Just find anything that multiplies to make 1000mm.

EG
1000 mm squared can:
- Make 1 Sheet of 50 X20
- Make 4 Sheets of 25 X 10
- Make 20 Sheets of 10 X 5
etc.

There's heaps more answers.