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Anyone who has had an Individual Voluntary Arrangement (IVA) put in place should only return to credit after careful consideration, one finance writer advises.

If they want to go for bad credit financing for a purchase such as a car they should research their options before deciding on a deal, suggests Collin Hings.

Some research will give borrowers an advantage but they must also remain aware of their credit condition and the implications an IVA can have on their ability to get credit, he continues.

By doing their homework, consumers may be able to negotiate for a better credit deal when the time is right for them to borrow again, Mr Hings adds.

Many Brits are already paying more attention to debt management because of the recession, with more than three-quarters thinking carefully about what they spend, the Charities Aid Foundation reveals.

Such people are going out less often, shopping in less expensive shops or cancelling holiday plans in order to cut back on outgoings, its research shows.

These moves, as well as good debt management, could help them avoid serious money problems and the need for an IVA.

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