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The project lives in the team’s <a href=\"https://github.com/WPTT/webfont-loader\">GitHub repository</a>.</li><li>The Support team is discussing<a href=\"https://make.wordpress.org/support/2020/09/talking-point-allowing-self-archival-of-topics/\"> the level of control users should have</a> over their support forum topics. The team is thinking of allowing users to archive their topics and lengthen time-to-edit to remove any semi-sensitive data. 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Please </em><a href=\"https://make.wordpress.org/community/month-in-wordpress-submissions/\"><em>submit it here</em></a><em>.</em></p>\n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:30:\"com-wordpress:feed-additions:1\";a:1:{s:7:\"post-id\";a:1:{i:0;a:5:{s:4:\"data\";s:4:\"9026\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:1;a:6:{s:4:\"data\";s:57:\"\n \n \n \n \n \n \n \n\n \n \n \n \n \n \";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:4:{s:0:\"\";a:6:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:35:\"WordPress 5.5.1 Maintenance Release\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:71:\"https://wordpress.org/news/2020/09/wordpress-5-5-1-maintenance-release/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Tue, 01 Sep 2020 19:13:53 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:8:\"category\";a:1:{i:0;a:5:{s:4:\"data\";s:8:\"Releases\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:34:\"https://wordpress.org/news/?p=8979\";s:7:\"attribs\";a:1:{s:0:\"\";a:1:{s:11:\"isPermaLink\";s:5:\"false\";}}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:460:\"WordPress 5.5.1 is now available! This maintenance release features 34 bug fixes, 5 enhancements, and 5 bug fixes for the block editor. These bugs affect WordPress version 5.5, so you’ll want to upgrade. You can download WordPress 5.5.1 directly, or visit the Dashboard → Updates screen and click Update Now. If your sites support automatic background updates, they’ve already started the update process. […]\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:9:\"Jb Audras\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:40:\"http://purl.org/rss/1.0/modules/content/\";a:1:{s:7:\"encoded\";a:1:{i:0;a:5:{s:4:\"data\";s:9020:\"\n<p>WordPress 5.5.1 is now available!</p>\n\n\n\n<p>This maintenance release features <a rel=\"noreferrer noopener\" href=\"https://core.trac.wordpress.org/query?status=closed&milestone=5.5.1&group=status&col=id&col=summary&col=milestone&col=owner&col=type&col=status&col=priority&order=priority\" target=\"_blank\">34 bug fixes, 5 enhancements</a>, and <a rel=\"noreferrer noopener\" href=\"https://github.com/WordPress/gutenberg/pull/24828\" target=\"_blank\">5 bug fixes</a> for the block editor. These bugs affect WordPress version 5.5, so you’ll want to upgrade.</p>\n\n\n\n<p>You can <a href=\"https://wordpress.org/wordpress-5.5.1.zip\">download WordPress 5.5.1 directly</a>, or visit the<strong> Dashboard → Updates</strong> screen and click <strong>Update Now</strong>. If your sites support automatic background updates, they’ve already started the update process.</p>\n\n\n\n<p>WordPress 5.5.1 is a short-cycle maintenance release. The next major release will be <a href=\"https://make.wordpress.org/core/5-6/\">version 5.6</a>.</p>\n\n\n\n<p>To see a full list of changes, you can browse the <a href=\"https://core.trac.wordpress.org/query?status=closed&milestone=5.5.1&group=component&col=id&col=summary&col=owner&col=type&col=priority&col=component&col=version&order=priority\">list on Trac</a>, read the <a href=\"https://make.wordpress.org/core/2020/08/27/wordpress-5-5-1-rc1/\">5.5.1 RC1</a> and <a href=\"https://make.wordpress.org/core/2020/08/31/wordpress-5-5-1-rc2/\">5.5.1 RC2</a> posts, or visit the <a href=\"https://wordpress.org/support/wordpress-version/version-5-5-1/\">5.5.1 documentation page</a>.</p>\n\n\n\n<h2>Thanks and props!</h2>\n\n\n\n<p>The 5.5.1 release was led by <a href=\'https://profiles.wordpress.org/audrasjb/\' class=\'mention\'><span class=\'mentions-prefix\'>@</span>audrasjb</a>, <a href=\'https://profiles.wordpress.org/azhiyadev/\' class=\'mention\'><span class=\'mentions-prefix\'>@</span>azhiyadev</a>, <a href=\'https://profiles.wordpress.org/davidbaumwald/\' class=\'mention\'><span class=\'mentions-prefix\'>@</span>davidbaumwald</a>, <a href=\'https://profiles.wordpress.org/desrosj/\' class=\'mention\'><span class=\'mentions-prefix\'>@</span>desrosj</a>, <a href=\'https://profiles.wordpress.org/johnbillion/\' class=\'mention\'><span class=\'mentions-prefix\'>@</span>johnbillion</a>, <a href=\'https://profiles.wordpress.org/planningwrite/\' class=\'mention\'><span class=\'mentions-prefix\'>@</span>planningwrite</a>, <a href=\'https://profiles.wordpress.org/sergeybiryukov/\' class=\'mention\'><span class=\'mentions-prefix\'>@</span>sergeybiryukov</a> and <a href=\'https://profiles.wordpress.org/whyisjake/\' class=\'mention\'><span class=\'mentions-prefix\'>@</span>whyisjake</a>.</p>\n\n\n\n<p>Thank you to everyone who helped make WordPress 5.5.1 happen:</p>\n\n\n\n<a href=\"https://profiles.wordpress.org/wpamitkumar/\">Amit Dudhat</a>, <a href=\"https://profiles.wordpress.org/afercia/\">Andrea Fercia</a>, <a href=\"https://profiles.wordpress.org/rarst/\">Andrey “Rarst” Savchenko</a>, <a href=\"https://profiles.wordpress.org/afragen/\">Andy Fragen</a>, <a href=\"https://profiles.wordpress.org/akissz/\">Angel Hess</a>, <a href=\"https://profiles.wordpress.org/avixansa/\">avixansa</a>, <a href=\"https://profiles.wordpress.org/bobbingwide/\">bobbingwide</a>, <a href=\"https://profiles.wordpress.org/brianhogg/\">Brian Hogg</a>, <a href=\"https://profiles.wordpress.org/chunkysteveo/\">chunkysteveo</a>, <a href=\"https://profiles.wordpress.org/claytoncollie/\">Clayton Collie</a>, <a href=\"https://profiles.wordpress.org/davidbaumwald/\">David Baumwald</a>, <a href=\"https://profiles.wordpress.org/dlh/\">David Herrera</a>, <a href=\"https://profiles.wordpress.org/dd32/\">dd32</a>, <a href=\"https://profiles.wordpress.org/demetris/\">demetris</a>, <a href=\"https://profiles.wordpress.org/ocean90/\">Dominik Schilling</a>, <a href=\"https://profiles.wordpress.org/dushakov/\">dushakov</a>, <a href=\"https://profiles.wordpress.org/elrae/\">Earle Davies</a>, <a href=\"https://profiles.wordpress.org/nrqsnchz/\">Enrique Sánchez</a>, <a href=\"https://profiles.wordpress.org/fjarrett/\">Frankie Jarrett</a>, <a href=\"https://profiles.wordpress.org/fullofcaffeine/\">fullofcaffeine</a>, <a href=\"https://profiles.wordpress.org/garrett-eclipse/\">Garrett Hyder</a>, <a href=\"https://profiles.wordpress.org/garyj/\">Gary Jones</a>, <a href=\"https://profiles.wordpress.org/gchtr/\">gchtr</a>, <a href=\"https://profiles.wordpress.org/azhiyadev/\">Hauwa</a>, <a href=\"https://profiles.wordpress.org/herregroen/\">Herre Groen</a>, <a href=\"https://profiles.wordpress.org/howdy_mcgee/\">Howdy_McGee</a>, <a href=\"https://profiles.wordpress.org/ipstenu/\">Ipstenu (Mika Epstein)</a>, <a href=\"https://profiles.wordpress.org/audrasjb/\">Jb Audras</a>, <a href=\"https://profiles.wordpress.org/jeremyfelt/\">Jeremy Felt</a>, <a href=\"https://profiles.wordpress.org/jeroenrotty/\">Jeroen Rotty</a>, <a href=\"https://profiles.wordpress.org/joen/\">Joen A.</a>, <a href=\"https://profiles.wordpress.org/johannadevos/\">Johanna de Vos</a>, <a href=\"https://profiles.wordpress.org/johnbillion/\">John Blackbourn</a>, <a href=\"https://profiles.wordpress.org/johnjamesjacoby/\">John James Jacoby</a>, <a href=\"https://profiles.wordpress.org/psykro/\">Jonathan Bossenger</a>, <a href=\"https://profiles.wordpress.org/desrosj/\">Jonathan Desrosiers</a>, <a href=\"https://profiles.wordpress.org/jonathanstegall/\">Jonathan Stegall</a>, <a href=\"https://profiles.wordpress.org/joostdevalk/\">Joost de Valk</a>, <a href=\"https://profiles.wordpress.org/jorgefilipecosta/\">Jorge Costa</a>, <a href=\"https://profiles.wordpress.org/justinahinon/\">Justin Ahinon</a>, <a href=\"https://profiles.wordpress.org/akabarikalpesh/\">Kalpesh Akabari</a>, <a href=\"https://profiles.wordpress.org/khag7/\">Kevin Hagerty</a>, <a href=\"https://profiles.wordpress.org/knutsp/\">Knut Sparhell</a>, <a href=\"https://profiles.wordpress.org/kbjohnson90/\">Kyle B. Johnson</a>, <a href=\"https://profiles.wordpress.org/landau/\">landau</a>, <a href=\"https://profiles.wordpress.org/laxman-prajapati/\">Laxman Prajapati</a>, <a href=\"https://profiles.wordpress.org/gamerz/\">Lester Chan</a>, <a href=\"https://profiles.wordpress.org/mailnew2ster/\">mailnew2ster</a>, <a href=\"https://profiles.wordpress.org/clorith/\">Marius L. J.</a>, <a href=\"https://profiles.wordpress.org/markjaquith/\">Mark Jaquith</a>, <a href=\"https://profiles.wordpress.org/mapk/\">Mark Uraine</a>, <a href=\"https://profiles.wordpress.org/gothickgothickorguk/\">Matt Gibson</a>, <a href=\"https://profiles.wordpress.org/tw2113/\">Michael Beckwith</a>, <a href=\"https://profiles.wordpress.org/mikeyarce/\">Mikey Arce</a>, <a href=\"https://profiles.wordpress.org/batmoo/\">Mohammad Jangda</a>, <a href=\"https://profiles.wordpress.org/mukesh27/\">Mukesh Panchal</a>, <a href=\"https://profiles.wordpress.org/nabilmoqbel/\">Nabil Moqbel</a>, <a href=\"https://profiles.wordpress.org/krstarica/\">net</a>, <a href=\"https://profiles.wordpress.org/oakesjosh/\">oakesjosh</a>, <a href=\"https://profiles.wordpress.org/nosolosw/\">O André</a>, <a href=\"https://profiles.wordpress.org/omarreiss/\">Omar Reiss</a>, <a href=\"https://profiles.wordpress.org/ov3rfly/\">Ov3rfly</a>, <a href=\"https://profiles.wordpress.org/paddy/\">Paddy</a>, <a href=\"https://profiles.wordpress.org/casiepa/\">Pascal Casier</a>, <a href=\"https://profiles.wordpress.org/pbiron/\">Paul Biron</a>, <a href=\"https://profiles.wordpress.org/peterwilsoncc/\">Peter Wilson</a>, <a href=\"https://profiles.wordpress.org/rajeshsingh520/\">rajeshsingh520</a>, <a href=\"https://profiles.wordpress.org/ramiy/\">Rami Yushuvaev</a>, <a href=\"https://profiles.wordpress.org/rebasaurus/\">rebasaurus</a>, <a href=\"https://profiles.wordpress.org/riaanlom/\">riaanlom</a>, <a href=\"https://profiles.wordpress.org/youknowriad/\">Riad Benguella</a>, <a href=\"https://profiles.wordpress.org/kreppar/\">Rodrigo Arias</a>, <a href=\"https://profiles.wordpress.org/rtagliento/\">rtagliento</a>, <a href=\"https://profiles.wordpress.org/salvoaranzulla/\">salvoaranzulla</a>, <a href=\"https://profiles.wordpress.org/sanzeeb3/\">Sanjeev Aryal</a>, <a href=\"https://profiles.wordpress.org/sarahricker/\">sarahricker</a>, <a href=\"https://profiles.wordpress.org/sergeybiryukov/\">Sergey Biryukov</a>, <a href=\"https://profiles.wordpress.org/sabernhardt/\">Stephen Bernhardt</a>, <a href=\"https://profiles.wordpress.org/sterndata/\">Steven Stern (sterndata)</a>, <a href=\"https://profiles.wordpress.org/webzunft/\">Thomas M</a>, <a href=\"https://profiles.wordpress.org/timothyblynjacobs/\">Timothy Jacobs</a>, <a href=\"https://profiles.wordpress.org/tobiasbg/\">TobiasBg</a>, <a href=\"https://profiles.wordpress.org/tobifjellner/\">tobifjellner (Tor-Bjorn Fjellner)</a>, <a href=\"https://profiles.wordpress.org/twentyzerotwo/\">TwentyZeroTwo</a>, <a href=\"https://profiles.wordpress.org/planningwrite/\">Winstina</a>, <a href=\"https://profiles.wordpress.org/wittich/\">wittich</a>, and <a href=\"https://profiles.wordpress.org/yoavf/\">Yoav Farhi</a>.\n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:30:\"com-wordpress:feed-additions:1\";a:1:{s:7:\"post-id\";a:1:{i:0;a:5:{s:4:\"data\";s:4:\"8979\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:2;a:6:{s:4:\"data\";s:57:\"\n \n \n \n \n \n \n \n\n \n \n \n \n \n \";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:4:{s:0:\"\";a:6:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:35:\"The Month in WordPress: August 2020\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:70:\"https://wordpress.org/news/2020/09/the-month-in-wordpress-august-2020/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Tue, 01 Sep 2020 09:32:47 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:8:\"category\";a:1:{i:0;a:5:{s:4:\"data\";s:18:\"Month in WordPress\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:34:\"https://wordpress.org/news/?p=8983\";s:7:\"attribs\";a:1:{s:0:\"\";a:1:{s:11:\"isPermaLink\";s:5:\"false\";}}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:362:\"August was special for WordPress lovers, as one of the most anticipated releases, WordPress 5.5, was launched. The month also saw several updates from various contributor teams, including the soft-launch of the Learn WordPress project and updates to Gutenberg. Read on to find out about the latest updates from the WordPress world. WordPress 5.5 Launch […]\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Hari Shanker R\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:40:\"http://purl.org/rss/1.0/modules/content/\";a:1:{s:7:\"encoded\";a:1:{i:0;a:5:{s:4:\"data\";s:9605:\"\n<p>August was special for WordPress lovers, as one of the most anticipated releases, WordPress 5.5, was launched. The month also saw several updates from various contributor teams, including the soft-launch of the Learn WordPress project and updates to Gutenberg. Read on to find out about the latest updates from the WordPress world.</p>\n\n\n\n<hr class=\"wp-block-separator\" />\n\n\n\n<h2>WordPress 5.5 Launch</h2>\n\n\n\n<p>The team launched <a href=\"https://wordpress.org/news/2020/08/eckstine/\">WordPress 5.5</a> on August 11. The major release comes with a host of features like automatic updates for plugins and themes, enabling updates over uploaded ZIP files, a block directory, XML sitemaps, block patterns, inline image editing, and lazy-loading images, to name a few. WordPress 5.5 is now available in 50 languages too! You can update to the latest version directly from your WordPress dashboard or <a href=\"https://wordpress.org/download/\">download</a> it directly from WordPress.org. Subsequent to the 5.5 release, the <a href=\"https://make.wordpress.org/core/2020/08/27/wordpress-5-5-1-rc1/\">5.5.1 release candidate</a> came out on August 28, which will be followed by its official launch of the minor release on September 1.</p>\n\n\n\n<p>A record 805 people contributed to WordPress 5.5, hailing from 58 different countries. <a href=\'https://profiles.wordpress.org/audrasjb/\' class=\'mention\'><span class=\'mentions-prefix\'>@</span>audrasjb</a> has <a href=\"https://jeanbaptisteaudras.com/en/2020/08/wordpress-5-5-core-stats-contributions-by-country-company/\">compiled many more stats like that</a> and they’re well worth a read!</p>\n\n\n\n<p>Want to get involved in building WordPress Core? Follow<a href=\"https://make.wordpress.org/core/\"> the Core team blog</a>, and join the #core channel in <a href=\"https://make.wordpress.org/chat/\">the Making WordPress Slack group</a>.</p>\n\n\n\n<h2>Gutenberg 8.7 and 8.8</h2>\n\n\n\n<p>The core team launched Gutenberg <a href=\"https://make.wordpress.org/core/2020/08/05/whats-new-in-gutenberg-august-5/\">8.7</a> and <a href=\"https://make.wordpress.org/core/2020/08/19/whats-new-in-gutenberg-august-19/\">8.8</a>. Version 8.7 saw many improvements to the Post Block suite, along with other changes like adding a block example to the Buttons block, consistently autosaving edits, and updating the group block description. Version 8.8 offers updates to Global Styles, the Post Block suite, and Template management. The release significantly improves the back-compatibility of the new Widget Screen, and also includes other important accessibility and mobile improvements to user interfaces like the Toolbar, navigation menus, and Popovers. For full details on the latest versions of these Gutenberg releases, visit these posts about <a href=\"https://make.wordpress.org/core/2020/08/05/whats-new-in-gutenberg-august-5/\">8.7</a> and <a href=\"https://make.wordpress.org/core/2020/08/19/whats-new-in-gutenberg-august-19/\">8.8</a>.</p>\n\n\n\n<p>Want to get involved in building Gutenberg? Follow <a href=\"https://make.wordpress.org/core/\">the Core team blog</a>, contribute to <a href=\"https://github.com/WordPress/gutenberg/\">Gutenberg on GitHub</a>, and join the #core-editor channel in <a href=\"https://make.wordpress.org/chat/\">the Making WordPress Slack group</a>.</p>\n\n\n\n<h2>Check out the brand new Learn WordPress platform!</h2>\n\n\n\n<p><a href=\"https://learn.wordpress.org/\">Learn WordPress</a> is a brand new cross-team initiative led by the <a href=\"https://make.wordpress.org/community/\">WordPress Community team</a>, with support from the <a href=\"https://make.wordpress.org/training/\">training team</a>, the <a href=\"https://make.wordpress.org/tv/\">TV team</a>, and the <a href=\"https://make.wordpress.org/meta/\">meta team</a>. This platform is a learning repository on <a href=\"https://learn.wordpress.org/\">learn.wordpress.org</a>, where WordPress learning content will be made available. Video workshops published on the site will be followed up by supplementary discussion groups based on workshop content. The first of these discussion groups have been scheduled, and you can join an upcoming discussion <a href=\"https://www.meetup.com/learn-wordpress-discussions/events/\">on the dedicated meetup group</a>. The community team invites members to contribute to the project. You can apply to <a href=\"https://wordcampcentral.survey.fm/learn-wordpress-workshop-application\">present a workshop</a>, <a href=\"https://wordcampcentral.survey.fm/learn-wordpress-reviewer-application\">assist with reviewing</a> submitted workshops, and <a href=\"https://docs.google.com/spreadsheets/d/1A6BYIZAtqk3alBFtJBg-7Q7Y7NBLRnoRFbRTGho2rfI/edit\">add ideas for workshops</a> that you would like to see on the site. You can also apply<a href=\"https://wordcampcentral.survey.fm/learn-wordpress-discussion-group-leader-application\"> to be a discussion group leader</a> to organize discussions directly through the <a href=\"https://learn.wordpress.org\">learn.wordpress.org</a> platform. We are also creating a dedicated Learn WordPress working group and have <a href=\"https://make.wordpress.org/community/2020/08/24/learn-wordpress-working-group-call-for-volunteers/\">posted a call for volunteers</a>. Meetup organizers can use <a href=\"https://learn.wordpress.org/\">Learn WordPress</a> content for their meetup events (without applying as a discussion group leader). Simply ask your meetup group to watch one of the workshops in the weeks leading up to your scheduled event, and then host a discussion group for that content as your event.</p>\n\n\n\n<p>Want to get involved with the Community team? <a href=\"https://make.wordpress.org/community/\">Follow the Community blog</a>, or join them in the #community-events channel in <a href=\"https://make.wordpress.org/chat/\">the Making WordPress Slack group</a>. To organize a local WordPress community event, <a href=\"https://make.wordpress.org/community/handbook/virtual-events/welcome/applying-for-a-virtual-event/\">visit the handbook page</a>. </p>\n\n\n\n<hr class=\"wp-block-separator\" />\n\n\n\n<h2>Further Reading:</h2>\n\n\n\n<ul><li>As <a href=\"https://make.wordpress.org/core/2020/03/11/all-women-release-squad/\">proposed previously</a>, WordPress 5.6 will have an all-women release squad. The team has <a href=\"https://make.wordpress.org/core/2020/08/13/wordpress-5-6-release-planning/\">started work on the 5.6 release planning</a>.</li><li>The community team has decided to <a href=\"https://make.wordpress.org/community/2020/08/04/announcement-flagship-events-in-2021/\">cancel in-person flagship WordPress events</a> in 2021. While new applications for flagship events in 2021 will not be accepted, organizers of existing flagship events (such as WordCamp US, Europe, and Asia) will have the option to move their event online. </li><li>The core team is working on <a href=\"https://core.trac.wordpress.org/ticket/37110\">updating the jQuery version</a> that comes with WordPress. As the first step, the <a href=\"https://make.wordpress.org/core/2020/06/29/updating-jquery-version-shipped-with-wordpress/\">team removed the jQuery Migrate 1.4.1 script </a>from WordPress 5.5. Those who wish to use jQuery migrate for maintaining plugin compatibility can install the <a href=\"https://wordpress.org/plugins/enable-jquery-migrate-helper/\">Enable jQuery Migrate Helper plugin</a>, which has currently reached the 100k installs mark. </li><li>The WordPress documentation team is continuing its discussion on modifying the external linking policy. The conversation is taking place on a <a href=\"https://docs.google.com/document/d/1i0ipOTmKPShSIMoFuEXnI3gkOOUrPJb9t4HMf30JWC0/edit#heading=h.l0cppyl5zvhs\">shared Google doc</a>. Feel free to add comments if you have any thoughts on the topic. </li><li>WordPress will <a href=\"https://core.trac.wordpress.org/ticket/51043#comment:7\">not drop support for PHP 5.6</a>, as initially decided, in order to maintain better version compatibility. The team has additionally come up with a <a href=\"https://make.wordpress.org/core/2020/08/24/proposal-dropping-support-for-old-php-versions-via-a-fixed-schedule/\">proposal to drop support for old PHP versions via a fixed schedule</a>.</li><li>The maiden edition of <a href=\"https://doaction.org/event/india-2020\">do_action India online</a> was held from August 15 to 23. The event, which was held online with collaboration tools, had 94 participants who built fully functional websites for five NGOs from across the country. You can read more about 2020 do_action events <a href=\"https://wordpressfoundation.org/2020/charity-hackathons-august-2020-report/\">on the WordPress Foundation blog</a>.</li><li>The Accessibility team has <a href=\"https://make.wordpress.org/accessibility/2020/08/25/accessibility-teams-goals-for-wordpress-5-6-and-beyond/\">published their goals for WordPress 5.6 and beyond</a> and has started working on them.</li><li><a href=\"https://minneapolis.wordcamp.org/2020/\">WordCamp Minneapolis/St. Paul</a> was held successfully on August 21. The event, which sold over 1400 tickets, had 18 speakers and 12 sponsors.</li><li>The Polyglots team has completed the translation <a href=\"https://make.wordpress.org/polyglots/2020/08/19/polyglots-handbook-reorganization-update/\">handbook structure organization</a>. The handbook now has clear guides for translators, PTEs/GTEs, global mentors, and Plugin/Theme authors.</li></ul>\n\n\n\n<p><em>Have a story that we should include in the next “Month in WordPress” post? Please </em><a href=\"https://make.wordpress.org/community/month-in-wordpress-submissions/\"><em>submit it here</em></a><em>.</em></p>\n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:30:\"com-wordpress:feed-additions:1\";a:1:{s:7:\"post-id\";a:1:{i:0;a:5:{s:4:\"data\";s:4:\"8983\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:3;a:6:{s:4:\"data\";s:63:\"\n \n \n \n \n \n \n \n \n\n \n \n \n \n \n\n\n\n \";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:4:{s:0:\"\";a:7:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:28:\"WordPress 5.5 “Eckstine”\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:44:\"https://wordpress.org/news/2020/08/eckstine/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Tue, 11 Aug 2020 19:03:52 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:8:\"category\";a:2:{i:0;a:5:{s:4:\"data\";s:8:\"Releases\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}i:1;a:5:{s:4:\"data\";s:3:\"5.5\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:34:\"https://wordpress.org/news/?p=8799\";s:7:\"attribs\";a:1:{s:0:\"\";a:1:{s:11:\"isPermaLink\";s:5:\"false\";}}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:354:\"Version 5.5 \"Eckstine\" of WordPress is available for download or update in your WordPress dashboard. With this release, your site gets new power in three major areas: \nspeed (lazy-loading images), search (sitemaps included by default), and security (auto-updates for plugins and themes), along with many new features and improvements to the block editor.\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:9:\"enclosure\";a:3:{i:0;a:5:{s:4:\"data\";s:0:\"\";s:7:\"attribs\";a:1:{s:0:\"\";a:3:{s:3:\"url\";s:48:\"https://s.w.org/images/core/5.5/auto-updates.mp4\";s:6:\"length\";s:6:\"238264\";s:4:\"type\";s:9:\"video/mp4\";}}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}i:1;a:5:{s:4:\"data\";s:0:\"\";s:7:\"attribs\";a:1:{s:0:\"\";a:3:{s:3:\"url\";s:50:\"https://s.w.org/images/core/5.5/block-patterns.mp4\";s:6:\"length\";s:7:\"3518792\";s:4:\"type\";s:9:\"video/mp4\";}}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}i:2;a:5:{s:4:\"data\";s:0:\"\";s:7:\"attribs\";a:1:{s:0:\"\";a:3:{s:3:\"url\";s:56:\"https://s.w.org/images/core/5.5/inline-image-editing.mp4\";s:6:\"length\";s:7:\"3145140\";s:4:\"type\";s:9:\"video/mp4\";}}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Matt Mullenweg\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:40:\"http://purl.org/rss/1.0/modules/content/\";a:1:{s:7:\"encoded\";a:1:{i:0;a:5:{s:4:\"data\";s:71062:\"\n<p>Here it is! Named “Eckstine” in honor of Billy Eckstine, this latest and greatest version of WordPress is available for <a href=\"https://wordpress.org/download/\">download</a> or update in your dashboard.</p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"632\" height=\"514\" src=\"https://i0.wp.com/wordpress.org/news/files/2020/08/Billy_duotone-1000px_quiche-sans-top.png?resize=632%2C514&ssl=1\" alt=\"\" class=\"wp-image-8930\" srcset=\"https://i0.wp.com/wordpress.org/news/files/2020/08/Billy_duotone-1000px_quiche-sans-top.png?w=1000&ssl=1 1000w, https://i0.wp.com/wordpress.org/news/files/2020/08/Billy_duotone-1000px_quiche-sans-top.png?resize=300%2C244&ssl=1 300w, https://i0.wp.com/wordpress.org/news/files/2020/08/Billy_duotone-1000px_quiche-sans-top.png?resize=768%2C625&ssl=1 768w\" sizes=\"(max-width: 632px) 100vw, 632px\" data-recalc-dims=\"1\" /></figure>\n\n\n\n<div class=\"wp-block-cover has-background-dim\" style=\"background-color:#f2edd4;min-height:300px\"><div class=\"wp-block-cover__inner-container\">\n<p class=\"has-text-align-center has-black-color has-text-color has-background has-large-font-size\" style=\"background-color:#f2edd4\">Welcome to WordPress 5.5.</p>\n\n\n\n<h3 class=\"has-text-align-center has-black-color has-text-color\">In WordPress 5.5, your site gets new power in three major areas: <br>speed, search, and security.</h3>\n</div></div>\n\n\n\n<div class=\"wp-block-columns has-white-background-color has-background\">\n<div class=\"wp-block-column\" style=\"flex-basis:2%\"></div>\n\n\n\n<div class=\"wp-block-column\" style=\"flex-basis:96%\">\n<h2>Speed</h2>\n\n\n\n<p><strong>Posts and pages feel faster, thanks to lazy-loaded images.</strong></p>\n\n\n\n<p>Images give your story a lot of impact, but they can sometimes make your site seem slow.</p>\n\n\n\n<p>In WordPress 5.5, images wait to load until they’re just about to scroll into view. The technical term is ‘lazy loading.’</p>\n\n\n\n<p>On mobile, lazy loading can also keep browsers from loading files meant for other devices. That can save your readers money on data — and help preserve battery life.</p>\n\n\n\n<h2>Search</h2>\n\n\n\n<p><strong>Say hello to your new sitemap.</strong></p>\n\n\n\n<p>WordPress sites work well with search engines.</p>\n\n\n\n<p>Now, by default, WordPress 5.5 includes an XML sitemap that helps search engines discover your most important pages from the very minute you go live.</p>\n\n\n\n<p>So more people will find your site sooner, giving you more time to engage, retain and convert them to subscribers, customers or whatever fits your definition of success.</p>\n</div>\n\n\n\n<div class=\"wp-block-column\" style=\"flex-basis:2%\"></div>\n</div>\n\n\n\n<div class=\"wp-block-columns has-background\" style=\"background-color:#ebcd3d\">\n<div class=\"wp-block-column\" style=\"flex-basis:2%\"></div>\n\n\n\n<div class=\"wp-block-column\" style=\"flex-basis:96%\">\n<h2>Security</h2>\n\n\n\n<figure class=\"wp-block-video\"><video controls src=\"https://s.w.org/images/core/5.5/auto-updates.mp4\"></video><figcaption>Now you can choose to update plugins and themes automatically–or pick just a few–from the screens you’ve always used.</figcaption></figure>\n\n\n\n<p><strong>Auto-updates for Plugins and Themes</strong></p>\n\n\n\n<p>Now you can set plugins and themes to update automatically — or not! — in the WordPress admin. So you always know your site is running the latest code available.</p>\n\n\n\n<p>You can also turn auto-updates on or off for each plugin or theme you have installed — all on the same screens you’ve always used.</p>\n\n\n\n<p><strong>Update by uploading ZIP files</strong></p>\n\n\n\n<p>If updating plugins and themes manually is your thing, now that’s easier too — just upload a ZIP file.</p>\n</div>\n\n\n\n<div class=\"wp-block-column\" style=\"flex-basis:2%\"></div>\n</div>\n\n\n\n<div class=\"wp-block-columns has-background\" style=\"background-color:#f2edd4\">\n<div class=\"wp-block-column\" style=\"flex-basis:2%\"></div>\n\n\n\n<div class=\"wp-block-column\" style=\"flex-basis:96%\">\n<h2>Highlights from the block editor</h2>\n\n\n\n<p>Once again, the latest WordPress release packs a long list of exciting new features for the block editor. For example:</p>\n\n\n\n<figure class=\"wp-block-video\"><video controls src=\"https://s.w.org/images/core/5.5/block-patterns.mp4\"></video></figure>\n\n\n\n<div class=\"wp-block-columns\">\n<div class=\"wp-block-column\">\n<h3>Block patterns</h3>\n\n\n\n<p>New block patterns make it simple and fun to create complex, beautiful layouts, using combinations of text and media that you can mix and match to fit your story.</p>\n\n\n\n<p>You will also find block patterns in a wide variety of plugins and themes, with more added all the time. Pick any of them from a single place — just click and go!</p>\n</div>\n\n\n\n<div class=\"wp-block-column\">\n<h3>The new block directory</h3>\n\n\n\n<p>Now it’s easier than ever to find the block you need. The new block directory is built right into the block editor, so you can install new block types to your site without ever leaving the editor.</p>\n\n\n\n<h3>Inline image editing</h3>\n\n\n\n<p>Crop, rotate, and zoom your photos right from the image block. If you spend a lot of time on images, this could save you hours!</p>\n</div>\n</div>\n\n\n\n<figure class=\"wp-block-video\"><video controls src=\"https://s.w.org/images/core/5.5/inline-image-editing.mp4\"></video></figure>\n\n\n\n<h3>And so much more.</h3>\n\n\n\n<p>The highlights above are a tiny fraction of the new block editor features you’ve just installed. Open the block editor and enjoy!</p>\n</div>\n\n\n\n<div class=\"wp-block-column\" style=\"flex-basis:2%\"></div>\n</div>\n\n\n\n<div class=\"wp-block-columns has-white-background-color has-background\">\n<div class=\"wp-block-column\" style=\"flex-basis:2%\"></div>\n\n\n\n<div class=\"wp-block-column\" style=\"flex-basis:96%\">\n<h2>Accessibility</h2>\n\n\n\n<p>Every release adds improvements to the accessible publishing experience, and that remains true for WordPress 5.5.</p>\n\n\n\n<p>Now you can copy links in media screens and modal dialogs with a button, instead of trying to highlight a line of text.</p>\n\n\n\n<p>You can also move meta boxes with the keyboard, and edit images in WordPress with your assistive device, as it can read you the instructions in the image editor.</p>\n</div>\n\n\n\n<div class=\"wp-block-column\" style=\"flex-basis:2%\"></div>\n</div>\n\n\n\n<div class=\"wp-block-columns has-black-color has-text-color has-background\" style=\"background-color:#ebcd3d\">\n<div class=\"wp-block-column\" style=\"flex-basis:2%\"></div>\n\n\n\n<div class=\"wp-block-column\" style=\"flex-basis:96%\">\n<h2>For developers</h2>\n\n\n\n<p>5.5 also brings a big box of changes just for developers.</p>\n\n\n\n<div class=\"wp-block-columns\">\n<div class=\"wp-block-column\">\n<h3>Server-side registered blocks in the REST API</h3>\n\n\n\n<p>The addition of block types endpoints means that JavaScript apps (like the block editor) can retrieve definitions for any blocks registered on the server.</p>\n\n\n\n<h3>Defining environments</h3>\n\n\n\n<p>WordPress now has a standardized way to define a site’s environment type (staging, production, etc). Retrieve that type with <code>wp_get_environment_type()</code> and execute only the appropriate code.</p>\n\n\n\n<h3>Dashicons</h3>\n\n\n\n<p>The Dashicons library has received its final update in 5.5. It adds 39 block editor icons along with 26 others.</p>\n\n\n\n<h3>Passing data to template files</h3>\n\n\n\n<p>The template loading functions (<code>get_header()</code>, <code>get_template_part()</code>, etc.) have a new <code>$args</code> argument. So now you can pass an entire array’s worth of data to those templates.</p>\n</div>\n\n\n\n<div class=\"wp-block-column\">\n<h3>More changes for developers</h3>\n\n\n\n<ul><li>The PHPMailer library just got a major update, going from version 5.2.27 to 6.1.6.</li><li>Now get more fine-grained control of <code>redirect_guess_404_permalink()</code>.</li><li>Sites that use PHP’s OPcache will see more reliable cache invalidation, thanks to the new <code>wp_opcache_invalidate()</code> function during updates (including to plugins and themes).</li><li>Custom post types associated with the category taxonomy can now opt-in to supporting the default term.</li><li>Default terms can now be specified for custom taxonomies in <code>register_taxonomy()</code>.</li><li>The REST API now officially supports specifying default metadata values through <code>register_meta()</code>.</li><li>You will find updated versions of these bundled libraries: SimplePie, Twemoji, Masonry, imagesLoaded, getID3, Moment.js, and clipboard.js.</li></ul>\n</div>\n</div>\n</div>\n\n\n\n<div class=\"wp-block-column\" style=\"flex-basis:2%\"></div>\n</div>\n\n\n\n<div class=\"wp-block-columns has-white-background-color has-background\">\n<div class=\"wp-block-column\" style=\"flex-basis:2%\"></div>\n\n\n\n<div class=\"wp-block-column\" style=\"flex-basis:96%\">\n<h2>The Squad</h2>\n\n\n\n<p>Leading this release were <a href=\"http://ma.tt/\">Matt Mullenweg</a>, <a href=\"https://profiles.wordpress.org/whyisjake\">Jake Spurlock,</a> and <a href=\"https://dream-encode.com/blog/\">David Baumwald</a>. Supporting them was this highly enthusiastic release squad:</p>\n\n\n\n<ul><li><strong>Editor Tech</strong>: Ella Van Durpe (<a href=\'https://profiles.wordpress.org/ellatrix/\' class=\'mention\'><span class=\'mentions-prefix\'>@</span>ellatrix</a>)</li><li><strong>Editor Design</strong>: Michael Arestad (<a href=\'https://profiles.wordpress.org/michael-arestad/\' class=\'mention\'><span class=\'mentions-prefix\'>@</span>michael-arestad</a>)</li><li><strong>Core Tech</strong>: Sergey Biryukov (<a href=\'https://profiles.wordpress.org/sergeybiryukov/\' class=\'mention\'><span class=\'mentions-prefix\'>@</span>sergeybiryukov</a>)</li><li><strong>Media Tech: </strong>Andrew Ozz (<a href=\'https://profiles.wordpress.org/azaozz/\' class=\'mention\'><span class=\'mentions-prefix\'>@</span>azaozz</a>)</li><li><strong>Accessibility Tech</strong>: JB Audras (<a href=\'https://profiles.wordpress.org/audrasjb/\' class=\'mention\'><span class=\'mentions-prefix\'>@</span>audrasjb</a>)</li><li><strong>Docs Coordinator</strong>: Justin Ahinon (<a href=\'https://profiles.wordpress.org/justinahinon/\' class=\'mention\'><span class=\'mentions-prefix\'>@</span>justinahinon</a>)</li><li><strong>Marketing/Comms Coordinator</strong>: Mary Baum (<a href=\'https://profiles.wordpress.org/marybaum/\' class=\'mention\'><span class=\'mentions-prefix\'>@</span>marybaum</a>)</li></ul>\n\n\n\n<p>Joining the squad throughout the release cycle were <strong>805 generous volunteer contributors</strong> who collectively worked on over <strong><a href=\"https://core.trac.wordpress.org/milestone/5.5\">523</a> tickets on Trac</strong> and <strong>over 1660 pull requests on GitHub</strong>.</p>\n\n\n\n<p>Put on a Billy Eckstine playlist, click that update button (or <a href=\"https://wordpress.org/download/\">download it directly</a>), and check the profiles of the fine folks that helped:</p>\n\n\n<a href=\"https://profiles.wordpress.org/a2hosting/\">A2 Hosting</a>, <a href=\"https://profiles.wordpress.org/a4jpcom/\">a4jp . com</a>, <a href=\"https://profiles.wordpress.org/a6software/\">a6software</a>, <a href=\"https://profiles.wordpress.org/aaroncampbell/\">Aaron D. Campbell</a>, <a href=\"https://profiles.wordpress.org/jorbin/\">Aaron Jorbin</a>, <a href=\"https://profiles.wordpress.org/abderrahman/\">abderrahman</a>, <a href=\"https://profiles.wordpress.org/webcommsat/\">Abha Thakor</a>, <a href=\"https://profiles.wordpress.org/ibachal/\">Achal Jain</a>, <a href=\"https://profiles.wordpress.org/achbed/\">achbed</a>, <a href=\"https://profiles.wordpress.org/achyuthajoy/\">Achyuth Ajoy</a>, <a href=\"https://profiles.wordpress.org/acosmin/\">acosmin</a>, <a href=\"https://profiles.wordpress.org/acsnaterse/\">acsnaterse</a>, <a href=\"https://profiles.wordpress.org/adamsilverstein/\">Adam Silverstein</a>, <a href=\"https://profiles.wordpress.org/addiestavlo/\">Addie</a>, <a href=\"https://profiles.wordpress.org/addyosmani/\">addyosmani</a>, <a href=\"https://profiles.wordpress.org/adnanlimdi/\">adnan.limdi</a>, <a href=\"https://profiles.wordpress.org/adrian/\">adrian</a>, <a href=\"https://profiles.wordpress.org/airamerica/\">airamerica</a>, <a href=\"https://profiles.wordpress.org/ajayghaghretiya1/\">Ajay Ghaghretiya</a>, <a href=\"https://profiles.wordpress.org/ajitbohra/\">Ajit Bohra</a>, <a href=\"https://profiles.wordpress.org/akbarhusen/\">akbarhusen</a>, <a href=\"https://profiles.wordpress.org/akbarhusen429/\">akbarhusen429</a>, <a href=\"https://profiles.wordpress.org/akhileshsabharwal/\">Akhilesh Sabharwal</a>, <a href=\"https://profiles.wordpress.org/atachibana/\">Akira Tachibana</a>, <a href=\"https://profiles.wordpress.org/schlessera/\">Alain Schlesser</a>, <a href=\"https://profiles.wordpress.org/aljullu/\">Albert Juhé Lluveras</a>, <a href=\"https://profiles.wordpress.org/xknown/\">Alex Concha</a>, <a href=\"https://profiles.wordpress.org/akirk/\">Alex Kirk</a>, <a href=\"https://profiles.wordpress.org/ajlende/\">Alex Lende</a>, <a href=\"https://profiles.wordpress.org/tellyworth/\">Alex Shiels</a>, <a href=\"https://profiles.wordpress.org/alishanvr/\">Ali Shan</a>, <a href=\"https://profiles.wordpress.org/ali11007/\">ali11007</a>, <a href=\"https://profiles.wordpress.org/allendav/\">Allen Snook</a>, <a href=\"https://profiles.wordpress.org/amaschas/\">amaschas</a>, <a href=\"https://profiles.wordpress.org/wpamitkumar/\">Amit Dudhat</a>, <a href=\"https://profiles.wordpress.org/anbumz/\">anbumz</a>, <a href=\"https://profiles.wordpress.org/andfinally/\">andfinally</a>, <a href=\"https://profiles.wordpress.org/afercia/\">Andrea Fercia</a>, <a href=\"https://profiles.wordpress.org/andreamiddleton/\">Andrea Middleton</a>, <a href=\"https://profiles.wordpress.org/dontdream/\">Andrea Tarantini</a>, <a href=\"https://profiles.wordpress.org/andraganescu/\">Andrei Draganescu</a>, <a href=\"https://profiles.wordpress.org/aduth/\">Andrew Duthie</a>, <a href=\"https://profiles.wordpress.org/nacin/\">Andrew Nacin</a>, <a href=\"https://profiles.wordpress.org/anevins/\">Andrew Nevins</a>, <a href=\"https://profiles.wordpress.org/azaozz/\">Andrew Ozz</a>, <a href=\"https://profiles.wordpress.org/rarst/\">Andrey \"Rarst\" Savchenko</a>, <a href=\"https://profiles.wordpress.org/nosolosw/\">Andrés Maneiro</a>, <a href=\"https://profiles.wordpress.org/afragen/\">Andy Fragen</a>, <a href=\"https://profiles.wordpress.org/andizer/\">Andy Meerwaldt</a>, <a href=\"https://profiles.wordpress.org/apeatling/\">Andy Peatling</a>, <a href=\"https://profiles.wordpress.org/akissz/\">Angel Hess</a>, <a href=\"https://profiles.wordpress.org/angelasjin/\">Angela Jin</a>, <a href=\"https://profiles.wordpress.org/la-geek/\">Angelika Reisiger</a>, <a href=\"https://profiles.wordpress.org/rilwis/\">Anh Tran</a>, <a href=\"https://profiles.wordpress.org/wpgurudev/\">Ankit Gade</a>, <a href=\"https://profiles.wordpress.org/ankit-k-gupta/\">Ankit K Gupta</a>, <a href=\"https://profiles.wordpress.org/ankitmaru/\">Ankit Panchal</a>, <a href=\"https://profiles.wordpress.org/annezazu/\">Anne McCarthy</a>, <a href=\"https://profiles.wordpress.org/antpb/\">Anthony Burchell</a>, <a href=\"https://profiles.wordpress.org/ahortin/\">Anthony Hortin</a>, <a href=\"https://profiles.wordpress.org/atimmer/\">Anton Timmermans</a>, <a href=\"https://profiles.wordpress.org/antonisme/\">Antonis Lilis</a>, <a href=\"https://profiles.wordpress.org/apedog/\">apedog</a>, <a href=\"https://profiles.wordpress.org/archon810/\">archon810</a>, <a href=\"https://profiles.wordpress.org/argentite/\">argentite</a>, <a href=\"https://profiles.wordpress.org/arpitgshah/\">Arpit G Shah</a>, <a href=\"https://profiles.wordpress.org/passoniate/\">Arslan Ahmed</a>, <a href=\"https://profiles.wordpress.org/asalce/\">asalce</a>, <a href=\"https://profiles.wordpress.org/ashiagr/\">ashiagr</a>, <a href=\"https://profiles.wordpress.org/ashour/\">ashour</a>, <a href=\"https://profiles.wordpress.org/tacitonic/\">Atharva Dhekne</a>, <a href=\"https://profiles.wordpress.org/ajoah/\">Aurélien Joahny</a>, <a href=\"https://profiles.wordpress.org/aussi/\">aussi</a>, <a href=\"https://profiles.wordpress.org/automaton/\">automaton</a>, <a href=\"https://profiles.wordpress.org/avixansa/\">avixansa</a>, <a href=\"https://profiles.wordpress.org/ayeshrajans/\">Ayesh Karunaratne</a>, <a href=\"https://profiles.wordpress.org/backups/\">BackuPs</a>, <a href=\"https://profiles.wordpress.org/barry/\">Barry</a>, <a href=\"https://profiles.wordpress.org/barryceelen/\">Barry Ceelen</a>, <a href=\"https://profiles.wordpress.org/bartczyz/\">Bart Czyz</a>, <a href=\"https://profiles.wordpress.org/bartekcholewa/\">bartekcholewa</a>, <a href=\"https://profiles.wordpress.org/bartkalisz/\">bartkalisz</a>, <a href=\"https://profiles.wordpress.org/bastho/\">Bastien Ho</a>, <a href=\"https://profiles.wordpress.org/bmartinent/\">Bastien Martinent</a>, <a href=\"https://profiles.wordpress.org/bcworkz/\">bcworkz</a>, <a href=\"https://profiles.wordpress.org/bdbch/\">bdbch</a>, <a href=\"https://profiles.wordpress.org/bdcstr/\">bdcstr</a>, <a href=\"https://profiles.wordpress.org/empireoflight/\">Ben Dunkle</a>, <a href=\"https://profiles.wordpress.org/grapestain/\">Bence Szalai</a>, <a href=\"https://profiles.wordpress.org/bencroskery/\">bencroskery</a>, <a href=\"https://profiles.wordpress.org/benjamingosset/\">Benjamin Gosset</a>, <a href=\"https://profiles.wordpress.org/benoitchantre/\">Benoit Chantre</a>, <a href=\"https://profiles.wordpress.org/bernhard-reiter/\">Bernhard Reiter</a>, <a href=\"https://profiles.wordpress.org/bettyjj/\">BettyJJ</a>, <a href=\"https://profiles.wordpress.org/bgermann/\">bgermann</a>, <a href=\"https://profiles.wordpress.org/bigcloudmedia/\">bigcloudmedia</a>, <a href=\"https://profiles.wordpress.org/bigdawggi/\">bigdawggi</a>, <a href=\"https://profiles.wordpress.org/billerickson/\">Bill Erickson</a>, <a href=\"https://profiles.wordpress.org/birgire/\">Birgir Erlendsson (birgire)</a>, <a href=\"https://profiles.wordpress.org/bph/\">Birgit Pauli-Haack</a>, <a href=\"https://profiles.wordpress.org/bjornw/\">BjornW</a>, <a href=\"https://profiles.wordpress.org/bobbingwide/\">bobbingwide</a>, <a href=\"https://profiles.wordpress.org/gitlost/\">bonger</a>, <a href=\"https://profiles.wordpress.org/boonebgorges/\">Boone Gorges</a>, <a href=\"https://profiles.wordpress.org/bbrdaric/\">Boris Brdarić</a>, <a href=\"https://profiles.wordpress.org/ibdz/\">Boy Witthaya</a>, <a href=\"https://profiles.wordpress.org/kraftbj/\">Brandon Kraft</a>, <a href=\"https://profiles.wordpress.org/bpayton/\">Brandon Payton</a>, <a href=\"https://profiles.wordpress.org/brentswisher/\">Brent Swisher</a>, <a href=\"https://profiles.wordpress.org/brianhogg/\">Brian Hogg</a>, <a href=\"https://profiles.wordpress.org/krogsgard/\">Brian Krogsgard</a>, <a href=\"https://profiles.wordpress.org/bruandet/\">bruandet</a>, <a href=\"https://profiles.wordpress.org/bhargavbhandari90/\">Bunty</a>, <a href=\"https://profiles.wordpress.org/burhandodhy/\">Burhan Nasir</a>, <a href=\"https://profiles.wordpress.org/caiocrcosta/\">caiocrcosta</a>, <a href=\"https://profiles.wordpress.org/cvoell/\">Cameron Voell</a>, <a href=\"https://profiles.wordpress.org/cameronamcintyre/\">cameronamcintyre</a>, <a href=\"https://profiles.wordpress.org/carike/\">Carike</a>, <a href=\"https://profiles.wordpress.org/stuffradio/\">Carl Wuensche</a>, <a href=\"https://profiles.wordpress.org/carloslfu/\">Carlos Galarza</a>, <a href=\"https://profiles.wordpress.org/poena/\">Carolina Nymark</a>, <a href=\"https://profiles.wordpress.org/sixhours/\">Caroline Moore</a>, <a href=\"https://profiles.wordpress.org/carriganvb/\">Carrigan</a>, <a href=\"https://profiles.wordpress.org/ceyhun/\">ceyhun</a>, <a href=\"https://profiles.wordpress.org/shireling/\">Chad</a>, <a href=\"https://profiles.wordpress.org/cbutlerjr/\">Chad Butler</a>, <a href=\"https://profiles.wordpress.org/mackensen/\">Charles Fulton</a>, <a href=\"https://profiles.wordpress.org/chetan200891/\">Chetan Prajapati</a>, <a href=\"https://profiles.wordpress.org/chintan1896/\">Chintan hingrajiya</a>, <a href=\"https://profiles.wordpress.org/chipsnyder/\">Chip Snyder</a>, <a href=\"https://profiles.wordpress.org/cbringmann/\">Chloé Bringmann</a>, <a href=\"https://profiles.wordpress.org/chouby/\">Chouby</a>, <a href=\"https://profiles.wordpress.org/chrisvanpatten/\">Chris Van Patten</a>, <a href=\"https://profiles.wordpress.org/chriscct7/\">chriscct7</a>, <a href=\"https://profiles.wordpress.org/christian1012/\">Christian Chung</a>, <a href=\"https://profiles.wordpress.org/cjbj/\">Christian Jongeneel</a>, <a href=\"https://profiles.wordpress.org/pixelverbieger/\">Christian Sabo</a>, <a href=\"https://profiles.wordpress.org/needle/\">Christian Wach</a>, <a href=\"https://profiles.wordpress.org/christophherr/\">Christoph Herr</a>, <a href=\"https://profiles.wordpress.org/vimes1984/\">Christopher Churchill</a>, <a href=\"https://profiles.wordpress.org/chunkysteveo/\">chunkysteveo</a>, <a href=\"https://profiles.wordpress.org/cklee/\">cklee</a>, <a href=\"https://profiles.wordpress.org/clayray/\">clayray</a>, <a href=\"https://profiles.wordpress.org/claytoncollie/\">Clayton Collie</a>, <a href=\"https://profiles.wordpress.org/cliffpaulick/\">Clifford Paulick</a>, <a href=\"https://profiles.wordpress.org/codeforest/\">codeforest</a>, <a href=\"https://profiles.wordpress.org/commeuneimage/\">Commeuneimage</a>, <a href=\"https://profiles.wordpress.org/copons/\">Copons</a>, <a href=\"https://profiles.wordpress.org/coreymckrill/\">Corey McKrill</a>, <a href=\"https://profiles.wordpress.org/cpasqualini/\">cpasqualini</a>, <a href=\"https://profiles.wordpress.org/cristovaov/\">Cristovao Verstraeten</a>, <a href=\"https://profiles.wordpress.org/littlebigthing/\">Csaba (LittleBigThings)</a>, <a href=\"https://profiles.wordpress.org/curtisbelt/\">Curtis Belt</a>, <a href=\"https://profiles.wordpress.org/clarinetlord/\">Cyrus Collier</a>, <a href=\"https://profiles.wordpress.org/dperonne/\">D.PERONNE</a>, <a href=\"https://profiles.wordpress.org/dsixinetu/\">d6</a>, <a href=\"https://profiles.wordpress.org/danielbachhuber/\">Daniel Bachhuber</a>, <a href=\"https://profiles.wordpress.org/danielhuesken/\">Daniel Hüsken</a>, <a href=\"https://profiles.wordpress.org/danieltj/\">Daniel James</a>, <a href=\"https://profiles.wordpress.org/diddledan/\">Daniel Llewellyn</a>, <a href=\"https://profiles.wordpress.org/talldanwp/\">Daniel Richards</a>, <a href=\"https://profiles.wordpress.org/confridin/\">Daniel Roch</a>, <a href=\"https://profiles.wordpress.org/mte90/\">Daniele Scasciafratte</a>, <a href=\"https://profiles.wordpress.org/dboy1988/\">Danny</a>, <a href=\"https://profiles.wordpress.org/darkog/\">Darko G.</a>, <a href=\"https://profiles.wordpress.org/nerrad/\">Darren Ethier (nerrad)</a>, <a href=\"https://profiles.wordpress.org/dmchale/\">Dave McHale</a>, <a href=\"https://profiles.wordpress.org/drw158/\">Dave Whitley</a>, <a href=\"https://profiles.wordpress.org/davidakennedy/\">David A. Kennedy</a>, <a href=\"https://profiles.wordpress.org/davilera/\">David Aguilera</a>, <a href=\"https://profiles.wordpress.org/davidanderson/\">David Anderson</a>, <a href=\"https://profiles.wordpress.org/dartiss/\">David Artiss</a>, <a href=\"https://profiles.wordpress.org/davidbaumwald/\">David Baumwald</a>, <a href=\"https://profiles.wordpress.org/dbrumbaugh10up/\">David Brumbaugh</a>, <a href=\"https://profiles.wordpress.org/desmith/\">David E. Smith</a>, <a href=\"https://profiles.wordpress.org/dlh/\">David Herrera</a>, <a href=\"https://profiles.wordpress.org/dryanpress/\">David Ryan</a>, <a href=\"https://profiles.wordpress.org/dshanske/\">David Shanske</a>, <a href=\"https://profiles.wordpress.org/get_dave/\">David Smith</a>, <a href=\"https://profiles.wordpress.org/davidbinda/\">david.binda</a>, <a href=\"https://profiles.wordpress.org/davidvee/\">davidvee</a>, <a href=\"https://profiles.wordpress.org/dchymko/\">dchymko</a>, <a href=\"https://profiles.wordpress.org/dkarfa/\">Debabrata Karfa</a>, <a href=\"https://profiles.wordpress.org/deepaklalwani/\">Deepak Lalwani</a>, <a href=\"https://profiles.wordpress.org/dekervit/\">dekervit</a>, <a href=\"https://profiles.wordpress.org/delowardev/\">Delowar Hossain</a>, <a href=\"https://profiles.wordpress.org/demetris/\">demetris</a>, <a href=\"https://profiles.wordpress.org/denisco/\">Denis Yanchevskiy</a>, <a href=\"https://profiles.wordpress.org/derekakelly/\">derekakelly</a>, <a href=\"https://profiles.wordpress.org/pcfreak30/\">Derrick Hammer</a>, <a href=\"https://profiles.wordpress.org/emrikol/\">Derrick Tennant</a>, <a href=\"https://profiles.wordpress.org/dianeco/\">Diane Co</a>, <a href=\"https://profiles.wordpress.org/dilipbheda/\">Dilip Bheda</a>, <a href=\"https://profiles.wordpress.org/dimitrism/\">Dimitris Mitsis</a>, <a href=\"https://profiles.wordpress.org/dingo_d/\">dingo-d</a>, <a href=\"https://profiles.wordpress.org/dd32/\">Dion Hulse</a>, <a href=\"https://profiles.wordpress.org/dency/\">Dixita Dusara</a>, <a href=\"https://profiles.wordpress.org/djennez/\">djennez</a>, <a href=\"https://profiles.wordpress.org/dmenard/\">dmenard</a>, <a href=\"https://profiles.wordpress.org/dmethvin/\">dmethvin</a>, <a href=\"https://profiles.wordpress.org/doc987/\">doc987</a>, <a href=\"https://profiles.wordpress.org/ocean90/\">Dominik Schilling</a>, <a href=\"https://profiles.wordpress.org/donmhico/\">donmhico</a>, <a href=\"https://profiles.wordpress.org/dono12/\">Dono12</a>, <a href=\"https://profiles.wordpress.org/doobeedoo/\">Doobeedoo</a>, <a href=\"https://profiles.wordpress.org/dossy/\">Dossy Shiobara</a>, <a href=\"https://profiles.wordpress.org/dpacks/\">dpacks</a>, <a href=\"https://profiles.wordpress.org/dratwas/\">dratwas</a>, <a href=\"https://profiles.wordpress.org/drewapicture/\">Drew Jaynes</a>, <a href=\"https://profiles.wordpress.org/drlightman/\">DrLightman</a>, <a href=\"https://profiles.wordpress.org/drprotocols/\">DrProtocols</a>, <a href=\"https://profiles.wordpress.org/dsifford/\">dsifford</a>, <a href=\"https://profiles.wordpress.org/dudo/\">dudo</a>, <a href=\"https://profiles.wordpress.org/dushakov/\">dushakov</a>, <a href=\"https://profiles.wordpress.org/dustinbolton/\">Dustin Bolton</a>, <a href=\"https://profiles.wordpress.org/dvershinin/\">dvershinin</a>, <a href=\"https://profiles.wordpress.org/cyberhobo/\">Dylan Kuhn</a>, <a href=\"https://profiles.wordpress.org/elrae/\">Earle Davies</a>, <a href=\"https://profiles.wordpress.org/seedsca/\">ecotechie</a>, <a href=\"https://profiles.wordpress.org/eddiemoya/\">Eddie Moya</a>, <a href=\"https://profiles.wordpress.org/eddystile/\">Eddy</a>, <a href=\"https://profiles.wordpress.org/ediamin/\">Edi Amin</a>, <a href=\"https://profiles.wordpress.org/ehtis/\">ehtis</a>, <a href=\"https://profiles.wordpress.org/itsjusteileen/\">Eileen Violini</a>, <a href=\"https://profiles.wordpress.org/ekatherine/\">Ekaterina</a>, <a href=\"https://profiles.wordpress.org/ellatrix/\">Ella van Durpe</a>, <a href=\"https://profiles.wordpress.org/elmastudio/\">elmastudio</a>, <a href=\"https://profiles.wordpress.org/emanuel_blagonic/\">Emanuel Blagonic</a>, <a href=\"https://profiles.wordpress.org/emlebrun/\">Emilie LEBRUN</a>, <a href=\"https://profiles.wordpress.org/manooweb/\">Emmanuel Hesry</a>, <a href=\"https://profiles.wordpress.org/enej/\">Enej Bajgoric</a>, <a href=\"https://profiles.wordpress.org/enricosorcinelli/\">Enrico Sorcinelli</a>, <a href=\"https://profiles.wordpress.org/epiqueras/\">Enrique Piqueras</a>, <a href=\"https://profiles.wordpress.org/nrqsnchz/\">Enrique Sánchez</a>, <a href=\"https://profiles.wordpress.org/shamai/\">Eric</a>, <a href=\"https://profiles.wordpress.org/ericlewis/\">Eric Andrew Lewis</a>, <a href=\"https://profiles.wordpress.org/ebinnion/\">Eric Binnion</a>, <a href=\"https://profiles.wordpress.org/kebbet/\">Erik Betshammar</a>, <a href=\"https://profiles.wordpress.org/folletto/\">Erin \'Folletto\' Casali</a>, <a href=\"https://profiles.wordpress.org/esemlabel/\">esemlabel</a>, <a href=\"https://profiles.wordpress.org/esoj/\">esoj</a>, <a href=\"https://profiles.wordpress.org/espiat/\">espiat</a>, <a href=\"https://profiles.wordpress.org/estelaris/\">Estela Rueda</a>, <a href=\"https://profiles.wordpress.org/etoledom/\">etoledom</a>, <a href=\"https://profiles.wordpress.org/etruel/\">etruel</a>, <a href=\"https://profiles.wordpress.org/ev3rywh3re/\">Ev3rywh3re</a>, <a href=\"https://profiles.wordpress.org/circlecube/\">Evan Mullins</a>, <a href=\"https://profiles.wordpress.org/fabiankaegy/\">Fabian Kägy</a>, <a href=\"https://profiles.wordpress.org/gaambo/\">Fabian Todt</a>, <a href=\"https://profiles.wordpress.org/fftfaisal/\">Faisal Ahmed</a>, <a href=\"https://profiles.wordpress.org/flixos90/\">Felix Arntz</a>, <a href=\"https://profiles.wordpress.org/felix-edelmann/\">Felix Edelmann</a>, <a href=\"https://profiles.wordpress.org/ferdiesletering/\">ferdiesletering</a>, <a href=\"https://profiles.wordpress.org/finomeno/\">finomeno</a>, <a href=\"https://profiles.wordpress.org/florianbrinkmann/\">Florian Brinkmann</a>, <a href=\"https://profiles.wordpress.org/mista-flo/\">Florian TIAR</a>, <a href=\"https://profiles.wordpress.org/truchot/\">Florian Truchot</a>, <a href=\"https://profiles.wordpress.org/florianatwhodunit/\">florianatwhodunit</a>, <a href=\"https://profiles.wordpress.org/foliovision/\">FolioVision</a>, <a href=\"https://profiles.wordpress.org/francina/\">Francesca Marano</a>, <a href=\"https://profiles.wordpress.org/francoist/\">Francois Thibaud</a>, <a href=\"https://profiles.wordpress.org/futtta/\">Frank Goossens</a>, <a href=\"https://profiles.wordpress.org/frank-klein/\">Frank Klein</a>, <a href=\"https://profiles.wordpress.org/frankprendergast/\">Frank.Prendergast</a>, <a href=\"https://profiles.wordpress.org/fjarrett/\">Frankie Jarrett</a>, <a href=\"https://profiles.wordpress.org/franzarmas/\">Franz Armas</a>, <a href=\"https://profiles.wordpress.org/fullofcaffeine/\">fullofcaffeine</a>, <a href=\"https://profiles.wordpress.org/mintindeed/\">Gabriel Koen</a>, <a href=\"https://profiles.wordpress.org/gma992/\">Gabriel Maldonado</a>, <a href=\"https://profiles.wordpress.org/gmays/\">Gabriel Mays</a>, <a href=\"https://profiles.wordpress.org/gadgetroid/\">gadgetroid</a>, <a href=\"https://profiles.wordpress.org/galbaras/\">Gal Baras</a>, <a href=\"https://profiles.wordpress.org/garavani/\">Garavani</a>, <a href=\"https://profiles.wordpress.org/garethgillman/\">garethgillman</a>, <a href=\"https://profiles.wordpress.org/garrett-eclipse/\">Garrett Hyder</a>, <a href=\"https://profiles.wordpress.org/garyc40/\">Gary Cao</a>, <a href=\"https://profiles.wordpress.org/garyj/\">Gary Jones</a>, <a href=\"https://profiles.wordpress.org/pento/\">Gary Pendergast</a>, <a href=\"https://profiles.wordpress.org/gchtr/\">gchtr</a>, <a href=\"https://profiles.wordpress.org/geertdd/\">Geert De Deckere</a>, <a href=\"https://profiles.wordpress.org/geminilabs/\">Gemini Labs</a>, <a href=\"https://profiles.wordpress.org/soulseekah/\">Gennady Kovshenin</a>, <a href=\"https://profiles.wordpress.org/geriux/\">geriux</a>, <a href=\"https://profiles.wordpress.org/giorgio25b/\">Giorgio25b</a>, <a href=\"https://profiles.wordpress.org/gisselfeldt/\">gisselfeldt</a>, <a href=\"https://profiles.wordpress.org/glendaviesnz/\">glendaviesnz</a>, <a href=\"https://profiles.wordpress.org/goldsounds/\">goldsounds</a>, <a href=\"https://profiles.wordpress.org/gh640/\">Goto Hayato</a>, <a href=\"https://profiles.wordpress.org/gkloveweb/\">Govind Kumar</a>, <a href=\"https://profiles.wordpress.org/greglone/\">Grégory Viguier</a>, <a href=\"https://profiles.wordpress.org/gradina/\">gradina</a>, <a href=\"https://profiles.wordpress.org/gziolo/\">Greg Ziółkowski</a>, <a href=\"https://profiles.wordpress.org/gregmulhauser/\">gregmulhauser</a>, <a href=\"https://profiles.wordpress.org/grierson/\">grierson</a>, <a href=\"https://profiles.wordpress.org/grzegorzjanoszka/\">Grzegorz.Janoszka</a>, <a href=\"https://profiles.wordpress.org/gsmumbo/\">gsmumbo</a>, <a href=\"https://profiles.wordpress.org/wido/\">Guido Scialfa</a>, <a href=\"https://profiles.wordpress.org/guidobras/\">guidobras</a>, <a href=\"https://profiles.wordpress.org/netsurfer2705/\">Gunther Pilz</a>, <a href=\"https://profiles.wordpress.org/gwwar/\">gwwar</a>, <a href=\"https://profiles.wordpress.org/hvar/\">H-var</a>, <a href=\"https://profiles.wordpress.org/hakre/\">hakre</a>, <a href=\"https://profiles.wordpress.org/halgatewood/\">Halacious</a>, <a href=\"https://profiles.wordpress.org/hankthetank/\">hankthetank</a>, <a href=\"https://profiles.wordpress.org/psdtohtmlguru/\">Hapiuc Robert</a>, <a href=\"https://profiles.wordpress.org/hareesh-pillai/\">Hareesh</a>, <a href=\"https://profiles.wordpress.org/haukep/\">haukep</a>, <a href=\"https://profiles.wordpress.org/azhiyadev/\">Hauwa</a>, <a href=\"https://profiles.wordpress.org/hazdiego/\">Haz</a>, <a href=\"https://profiles.wordpress.org/h71/\">Hector Farahani</a>, <a href=\"https://profiles.wordpress.org/helen/\">Helen Hou-Sandi</a>, <a href=\"https://profiles.wordpress.org/henrywright/\">Henry Wright</a>, <a href=\"https://profiles.wordpress.org/herregroen/\">Herre Groen</a>, <a href=\"https://profiles.wordpress.org/hlanggo/\">hlanggo</a>, <a href=\"https://profiles.wordpress.org/hommealone/\">hommealone</a>, <a href=\"https://profiles.wordpress.org/ryanshoover/\">Hoover</a>, <a href=\"https://profiles.wordpress.org/howdy_mcgee/\">Howdy_McGee</a>, <a href=\"https://profiles.wordpress.org/hronak/\">Hronak Nahar</a>, <a href=\"https://profiles.wordpress.org/huntlyc/\">huntlyc</a>, <a href=\"https://profiles.wordpress.org/ianbelanger/\">Ian Belanger</a>, <a href=\"https://profiles.wordpress.org/iandunn/\">Ian Dunn</a>, <a href=\"https://profiles.wordpress.org/iandstewart/\">Ian Stewart</a>, <a href=\"https://profiles.wordpress.org/ianjvr/\">ianjvr</a>, <a href=\"https://profiles.wordpress.org/ifrins/\">ifrins</a>, <a href=\"https://profiles.wordpress.org/infinum/\">infinum</a>, <a href=\"https://profiles.wordpress.org/ipstenu/\">Ipstenu (Mika Epstein)</a>, <a href=\"https://profiles.wordpress.org/isabel_brison/\">Isabel Brison</a>, <a href=\"https://profiles.wordpress.org/ishitaka/\">ishitaka</a>, <a href=\"https://profiles.wordpress.org/jdgrimes/\">J.D. Grimes</a>, <a href=\"https://profiles.wordpress.org/jackfungi/\">jackfungi</a>, <a href=\"https://profiles.wordpress.org/jacklinkers/\">jacklinkers</a>, <a href=\"https://profiles.wordpress.org/jadonn/\">Jadon N</a>, <a href=\"https://profiles.wordpress.org/jadpm/\">jadpm</a>, <a href=\"https://profiles.wordpress.org/jagirbahesh/\">jagirbahesh</a>, <a href=\"https://profiles.wordpress.org/whyisjake/\">Jake Spurlock</a>, <a href=\"https://profiles.wordpress.org/twentyzerotwo/\">Jake Whiteley</a>, <a href=\"https://profiles.wordpress.org/jameskoster/\">James Koster</a>, <a href=\"https://profiles.wordpress.org/jnylen0/\">James Nylen</a>, <a href=\"https://profiles.wordpress.org/foack/\">Jan Koch</a>, <a href=\"https://profiles.wordpress.org/janr/\">Jan Reilink</a>, <a href=\"https://profiles.wordpress.org/janthiel/\">Jan Thiel</a>, <a href=\"https://profiles.wordpress.org/javidalkaruzi/\">Janvo Aldred</a>, <a href=\"https://profiles.wordpress.org/jarretc/\">Jarret</a>, <a href=\"https://profiles.wordpress.org/jason_the_adams/\">Jason Adams</a>, <a href=\"https://profiles.wordpress.org/strangerstudios/\">Jason Coleman</a>, <a href=\"https://profiles.wordpress.org/boogah/\">Jason Cosper</a>, <a href=\"https://profiles.wordpress.org/coolmann/\">Jason Crouse</a>, <a href=\"https://profiles.wordpress.org/madtownlems/\">Jason LeMahieu (MadtownLems)</a>, <a href=\"https://profiles.wordpress.org/jaz_on/\">Jason Rouet</a>, <a href=\"https://profiles.wordpress.org/jaswsinc/\">JasWSInc</a>, <a href=\"https://profiles.wordpress.org/javiercasares/\">Javier Casares</a>, <a href=\"https://profiles.wordpress.org/shiki/\">Jayson Basanes</a>, <a href=\"https://profiles.wordpress.org/jbinda/\">jbinda</a>, <a href=\"https://profiles.wordpress.org/jbouganim/\">jbouganim</a>, <a href=\"https://profiles.wordpress.org/audrasjb/\">Jean-Baptiste Audras</a>, <a href=\"https://profiles.wordpress.org/jean-david/\">Jean-David Daviet</a>, <a href=\"https://profiles.wordpress.org/jeffr0/\">Jeff Chandler</a>, <a href=\"https://profiles.wordpress.org/jfarthing84/\">Jeff Farthing</a>, <a href=\"https://profiles.wordpress.org/jffng/\">Jeff Ong</a>, <a href=\"https://profiles.wordpress.org/jeffpaul/\">Jeff Paul</a>, <a href=\"https://profiles.wordpress.org/jenmylo/\">Jen</a>, <a href=\"https://profiles.wordpress.org/jenilk/\">Jenil Kanani</a>, <a href=\"https://profiles.wordpress.org/jeremyfelt/\">Jeremy Felt</a>, <a href=\"https://profiles.wordpress.org/jeherve/\">Jeremy Herve</a>, <a href=\"https://profiles.wordpress.org/jeremyyip/\">Jeremy Yip</a>, <a href=\"https://profiles.wordpress.org/jeroenrotty/\">Jeroen Rotty</a>, <a href=\"https://profiles.wordpress.org/jeryj/\">jeryj</a>, <a href=\"https://profiles.wordpress.org/jesin/\">Jesin A</a>, <a href=\"https://profiles.wordpress.org/jigneshnakrani/\">Jignesh Nakrani</a>, <a href=\"https://profiles.wordpress.org/jim_panse/\">Jim_Panse</a>, <a href=\"https://profiles.wordpress.org/jipmoors/\">Jip Moors</a>, <a href=\"https://profiles.wordpress.org/jivanpal/\">jivanpal</a>, <a href=\"https://profiles.wordpress.org/joedolson/\">Joe Dolson</a>, <a href=\"https://profiles.wordpress.org/joehoyle/\">Joe Hoyle</a>, <a href=\"https://profiles.wordpress.org/joemcgill/\">Joe McGill</a>, <a href=\"https://profiles.wordpress.org/joen/\">Joen Asmussen</a>, <a href=\"https://profiles.wordpress.org/johannadevos/\">Johanna de Vos</a>, <a href=\"https://profiles.wordpress.org/johnbillion/\">John Blackbourn</a>, <a href=\"https://profiles.wordpress.org/jdorner/\">John Dorner</a>, <a href=\"https://profiles.wordpress.org/johnjamesjacoby/\">John James Jacoby</a>, <a href=\"https://profiles.wordpress.org/johnpgreen/\">John P. Green</a>, <a href=\"https://profiles.wordpress.org/rastaban/\">John Richards II</a>, <a href=\"https://profiles.wordpress.org/johnwatkins0/\">John Watkins</a>, <a href=\"https://profiles.wordpress.org/johnnyb/\">johnnyb</a>, <a href=\"https://profiles.wordpress.org/itsjonq/\">Jon Quach</a>, <a href=\"https://profiles.wordpress.org/jonsurrell/\">Jon Surrell</a>, <a href=\"https://profiles.wordpress.org/psykro/\">Jonathan Bossenger</a>, <a href=\"https://profiles.wordpress.org/jrchamp/\">Jonathan Champ</a>, <a href=\"https://profiles.wordpress.org/jchristopher/\">Jonathan Christopher</a>, <a href=\"https://profiles.wordpress.org/desrosj/\">Jonathan Desrosiers</a>, <a href=\"https://profiles.wordpress.org/jonathanstegall/\">Jonathan Stegall</a>, <a href=\"https://profiles.wordpress.org/jonkolbert/\">jonkolbert</a>, <a href=\"https://profiles.wordpress.org/spacedmonkey/\">Jonny Harris</a>, <a href=\"https://profiles.wordpress.org/jonnybot/\">jonnybot</a>, <a href=\"https://profiles.wordpress.org/jonoaldersonwp/\">Jono Alderson</a>, <a href=\"https://profiles.wordpress.org/joostdevalk/\">Joost de Valk</a>, <a href=\"https://profiles.wordpress.org/koke/\">Jorge Bernal</a>, <a href=\"https://profiles.wordpress.org/jorgefilipecosta/\">Jorge Costa</a>, <a href=\"https://profiles.wordpress.org/josephdickson/\">Joseph Dickson</a>, <a href=\"https://profiles.wordpress.org/chanthaboune/\">Josepha Haden</a>, <a href=\"https://profiles.wordpress.org/procifer/\">Josh Smith</a>, <a href=\"https://profiles.wordpress.org/joshuawold/\">JoshuaWold</a>, <a href=\"https://profiles.wordpress.org/joyously/\">Joy</a>, <a href=\"https://profiles.wordpress.org/juanfra/\">Juanfra Aldasoro</a>, <a href=\"https://profiles.wordpress.org/juanlopez4691/\">juanlopez4691</a>, <a href=\"https://profiles.wordpress.org/jules-colle/\">Jules Colle</a>, <a href=\"https://profiles.wordpress.org/julianm/\">julianm</a>, <a href=\"https://profiles.wordpress.org/jrf/\">Juliette Reinders Folmer</a>, <a href=\"https://profiles.wordpress.org/juliobox/\">Julio Potier</a>, <a href=\"https://profiles.wordpress.org/jgrodel/\">Julka Grodel</a>, <a href=\"https://profiles.wordpress.org/justinahinon/\">Justin Ahinon</a>, <a href=\"https://profiles.wordpress.org/devesine/\">Justin de Vesine</a>, <a href=\"https://profiles.wordpress.org/greenshady/\">Justin Tadlock</a>, <a href=\"https://profiles.wordpress.org/justlevine/\">justlevine</a>, <a href=\"https://profiles.wordpress.org/justnorris/\">justnorris</a>, <a href=\"https://profiles.wordpress.org/kadamwhite/\">K. Adam White</a>, <a href=\"https://profiles.wordpress.org/kaggdesign/\">kaggdesign</a>, <a href=\"https://profiles.wordpress.org/trepmal/\">Kailey (trepmal)</a>, <a href=\"https://profiles.wordpress.org/kaira/\">Kaira</a>, <a href=\"https://profiles.wordpress.org/kaitlin414/\">Kaitlin Bolling</a>, <a href=\"https://profiles.wordpress.org/akabarikalpesh/\">Kalpesh Akabari</a>, <a href=\"https://profiles.wordpress.org/kamataryo/\">KamataRyo</a>, <a href=\"https://profiles.wordpress.org/leprincenoir/\">Kantari Samy</a>, <a href=\"https://profiles.wordpress.org/kasparsd/\">Kaspars</a>, <a href=\"https://profiles.wordpress.org/properlypurple/\">Kavya Gokul</a>, <a href=\"https://profiles.wordpress.org/keesiemeijer/\">keesiemeijer</a>, <a href=\"https://profiles.wordpress.org/ryelle/\">Kelly Dwan</a>, <a href=\"https://profiles.wordpress.org/kennethroberson5556/\">kennethroberson5556</a>, <a href=\"https://profiles.wordpress.org/khag7/\">Kevin Hagerty</a>, <a href=\"https://profiles.wordpress.org/kharisblank/\">Kharis Sulistiyono</a>, <a href=\"https://profiles.wordpress.org/itzmekhokan/\">Khokan Sardar</a>, <a href=\"https://profiles.wordpress.org/kinjaldalwadi/\">kinjaldalwadi</a>, <a href=\"https://profiles.wordpress.org/kirilzh/\">Kiril Zhelyazkov</a>, <a href=\"https://profiles.wordpress.org/kburgoine/\">Kirsty Burgoine</a>, <a href=\"https://profiles.wordpress.org/kishanjasani/\">Kishan Jasani</a>, <a href=\"https://profiles.wordpress.org/kitchin/\">kitchin</a>, <a href=\"https://profiles.wordpress.org/ixkaito/\">Kite</a>, <a href=\"https://profiles.wordpress.org/kjellr/\">Kjell Reigstad</a>, <a href=\"https://profiles.wordpress.org/knutsp/\">Knut Sparhell</a>, <a href=\"https://profiles.wordpress.org/obenland/\">Konstantin Obenland</a>, <a href=\"https://profiles.wordpress.org/xkon/\">Konstantinos Xenos</a>, <a href=\"https://profiles.wordpress.org/ksoares/\">ksoares</a>, <a href=\"https://profiles.wordpress.org/kthmd/\">KT Cheung</a>, <a href=\"https://profiles.wordpress.org/sainthkh/\">Kukhyeon Heo</a>, <a href=\"https://profiles.wordpress.org/kbjohnson90/\">Kyle B. Johnson</a>, <a href=\"https://profiles.wordpress.org/lalitpendhare/\">lalitpendhare</a>, <a href=\"https://profiles.wordpress.org/landau/\">landau</a>, <a href=\"https://profiles.wordpress.org/laternastudio/\">Laterna Studio</a>, <a href=\"https://profiles.wordpress.org/laurelfulford/\">laurelfulford</a>, <a href=\"https://profiles.wordpress.org/offereins/\">Laurens Offereins</a>, <a href=\"https://profiles.wordpress.org/laxman-prajapati/\">Laxman Prajapati</a>, <a href=\"https://profiles.wordpress.org/gamerz/\">Lester Chan</a>, <a href=\"https://profiles.wordpress.org/levdbas/\">Levdbas</a>, <a href=\"https://profiles.wordpress.org/layotte/\">Lew Ayotte</a>, <a href=\"https://profiles.wordpress.org/lex_robinson/\">Lex Robinson</a>, <a href=\"https://profiles.wordpress.org/linyows/\">linyows</a>, <a href=\"https://profiles.wordpress.org/lipathor/\">lipathor</a>, <a href=\"https://profiles.wordpress.org/lschuyler/\">Lisa Schuyler</a>, <a href=\"https://profiles.wordpress.org/liuhaibin/\">liuhaibin</a>, <a href=\"https://profiles.wordpress.org/ljharb/\">ljharb</a>, <a href=\"https://profiles.wordpress.org/logig/\">logig</a>, <a href=\"https://profiles.wordpress.org/lucasbustamante/\">lucasbustamante</a>, <a href=\"https://profiles.wordpress.org/lwill/\">luiswill</a>, <a href=\"https://profiles.wordpress.org/lukecavanagh/\">Luke Cavanagh</a>, <a href=\"https://profiles.wordpress.org/happiryu/\">Luke Walczak</a>, <a href=\"https://profiles.wordpress.org/lukestramasonder/\">lukestramasonder</a>, <a href=\"https://profiles.wordpress.org/asif2bd/\">M Asif Rahman</a>, <a href=\"https://profiles.wordpress.org/msafi/\">M.K. Safi</a>, <a href=\"https://profiles.wordpress.org/cloudstek/\">Maarten de Boer</a>, <a href=\"https://profiles.wordpress.org/aladin02dz/\">Mahfoudh Arous</a>, <a href=\"https://profiles.wordpress.org/mailnew2ster/\">mailnew2ster</a>, <a href=\"https://profiles.wordpress.org/manojlovic/\">manojlovic</a>, <a href=\"https://profiles.wordpress.org/targz-1/\">Manuel Schmalstieg</a>, <a href=\"https://profiles.wordpress.org/neodjandre/\">maraki</a>, <a href=\"https://profiles.wordpress.org/iworks/\">Marcin Pietrzak</a>, <a href=\"https://profiles.wordpress.org/marcio-zebedeu/\">Marcio Zebedeu</a>, <a href=\"https://profiles.wordpress.org/pereirinha/\">Marco Pereirinha</a>, <a href=\"https://profiles.wordpress.org/marcoz/\">MarcoZ</a>, <a href=\"https://profiles.wordpress.org/netweblogic/\">Marcus</a>, <a href=\"https://profiles.wordpress.org/mkaz/\">Marcus Kazmierczak</a>, <a href=\"https://profiles.wordpress.org/marekdedic/\">Marek Dědič</a>, <a href=\"https://profiles.wordpress.org/marekhrabe/\">Marek Hrabe</a>, <a href=\"https://profiles.wordpress.org/mariovalney/\">Mario Valney</a>, <a href=\"https://profiles.wordpress.org/clorith/\">Marius Jensen</a>, <a href=\"https://profiles.wordpress.org/machouinard/\">Mark Chouinard</a>, <a href=\"https://profiles.wordpress.org/markjaquith/\">Mark Jaquith</a>, <a href=\"https://profiles.wordpress.org/markparnell/\">Mark Parnell</a>, <a href=\"https://profiles.wordpress.org/mapk/\">Mark Uraine</a>, <a href=\"https://profiles.wordpress.org/markdubois/\">markdubois</a>, <a href=\"https://profiles.wordpress.org/markgoho/\">markgoho</a>, <a href=\"https://profiles.wordpress.org/vindl/\">Marko Andrijasevic</a>, <a href=\"https://profiles.wordpress.org/markoheijnen/\">Marko Heijnen</a>, <a href=\"https://profiles.wordpress.org/markrh/\">MarkRH</a>, <a href=\"https://profiles.wordpress.org/markshep/\">markshep</a>, <a href=\"https://profiles.wordpress.org/markusthiel/\">markusthiel</a>, <a href=\"https://profiles.wordpress.org/martijn-van-der-kooij/\">Martijn van der Kooij</a>, <a href=\"https://profiles.wordpress.org/martychc23/\">martychc23</a>, <a href=\"https://profiles.wordpress.org/marybaum/\">Mary Baum</a>, <a href=\"https://profiles.wordpress.org/matheusfd/\">Matheus Martins</a>, <a href=\"https://profiles.wordpress.org/imath/\">Mathieu Viet</a>, <a href=\"https://profiles.wordpress.org/matveb/\">Matias Ventura</a>, <a href=\"https://profiles.wordpress.org/matjack1/\">matjack1</a>, <a href=\"https://profiles.wordpress.org/webdevmattcrom/\">Matt Cromwell</a>, <a href=\"https://profiles.wordpress.org/gothickgothickorguk/\">Matt Gibson</a>, <a href=\"https://profiles.wordpress.org/matt/\">Matt Mullenweg</a>, <a href=\"https://profiles.wordpress.org/mattrad/\">Matt Radford</a>, <a href=\"https://profiles.wordpress.org/veraxus/\">Matt van Andel</a>, <a href=\"https://profiles.wordpress.org/mattchowning/\">mattchowning</a>, <a href=\"https://profiles.wordpress.org/mboynes/\">Matthew Boynes</a>, <a href=\"https://profiles.wordpress.org/mattheweppelsheimer/\">Matthew Eppelsheimer</a>, <a href=\"https://profiles.wordpress.org/beatpanda/\">Matthew Gerring</a>, <a href=\"https://profiles.wordpress.org/kittmedia/\">Matthias Kittsteiner</a>, <a href=\"https://profiles.wordpress.org/pfefferle/\">Matthias Pfefferle</a>, <a href=\"https://profiles.wordpress.org/matthieumota/\">Matthieu Mota</a>, <a href=\"https://profiles.wordpress.org/mattyrob/\">mattyrob</a>, <a href=\"https://profiles.wordpress.org/maximeculea/\">Maxime Culea</a>, <a href=\"https://profiles.wordpress.org/maxpertici/\">Maxime Pertici</a>, <a href=\"https://profiles.wordpress.org/maxme/\">maxme</a>, <a href=\"https://profiles.wordpress.org/mayankmajeji/\">Mayank Majeji</a>, <a href=\"https://profiles.wordpress.org/mcshane/\">mcshane</a>, <a href=\"https://profiles.wordpress.org/melchoyce/\">Mel Choyce-Dwan</a>, <a href=\"https://profiles.wordpress.org/menakas/\">Menaka S.</a>, <a href=\"https://profiles.wordpress.org/mensmaximus/\">mensmaximus</a>, <a href=\"https://profiles.wordpress.org/metalandcoffee/\">metalandcoffee</a>, <a href=\"https://profiles.wordpress.org/lilmike/\">Michael</a>, <a href=\"https://profiles.wordpress.org/michaelarestad/\">Michael Arestad</a>, <a href=\"https://profiles.wordpress.org/michael-arestad/\">Michael Arestad</a>, <a href=\"https://profiles.wordpress.org/tw2113/\">Michael Beckwith</a>, <a href=\"https://profiles.wordpress.org/mfields/\">Michael Fields</a>, <a href=\"https://profiles.wordpress.org/mnelson4/\">Michael Nelson</a>, <a href=\"https://profiles.wordpress.org/m_butcher/\">Michele Butcher-Jones</a>, <a href=\"https://profiles.wordpress.org/marktimemedia/\">Michelle</a>, <a href=\"https://profiles.wordpress.org/mcsf/\">Miguel Fonseca</a>, <a href=\"https://profiles.wordpress.org/mihdan/\">mihdan</a>, <a href=\"https://profiles.wordpress.org/miinasikk/\">Miina Sikk</a>, <a href=\"https://profiles.wordpress.org/simison/\">Mikael Korpela</a>, <a href=\"https://profiles.wordpress.org/mikaumoto/\">mikaumoto</a>, <a href=\"https://profiles.wordpress.org/mihai2u/\">Mike Crantea</a>, <a href=\"https://profiles.wordpress.org/mdgl/\">Mike Glendinning</a>, <a href=\"https://profiles.wordpress.org/mike-haydon-swo/\">Mike Haydon</a>, <a href=\"https://profiles.wordpress.org/mikeschinkel/\">Mike Schinkel [WPLib Box project lead]</a>, <a href=\"https://profiles.wordpress.org/mikeschroder/\">Mike Schroder</a>, <a href=\"https://profiles.wordpress.org/mikeyarce/\">Mikey Arce</a>, <a href=\"https://profiles.wordpress.org/milana_cap/\">Milana Cap</a>, <a href=\"https://profiles.wordpress.org/milindmore22/\">Milind More</a>, <a href=\"https://profiles.wordpress.org/mimitips/\">mimi</a>, <a href=\"https://profiles.wordpress.org/mislavjuric/\">mislavjuric</a>, <a href=\"https://profiles.wordpress.org/batmoo/\">Mohammad Jangda</a>, <a href=\"https://profiles.wordpress.org/opurockey/\">Mohammad Rockeybul Alam</a>, <a href=\"https://profiles.wordpress.org/mohsinrasool/\">Mohsin Rasool</a>, <a href=\"https://profiles.wordpress.org/monikarao/\">Monika Rao</a>, <a href=\"https://profiles.wordpress.org/gwendydd/\">Morgan Kay</a>, <a href=\"https://profiles.wordpress.org/mor10/\">Morten Rand-Hendriksen</a>, <a href=\"https://profiles.wordpress.org/man4toman/\">Morteza Geransayeh</a>, <a href=\"https://profiles.wordpress.org/mt8biz/\">moto hachi ( mt8.biz )</a>, <a href=\"https://profiles.wordpress.org/mrgrt/\">mrgrt</a>, <a href=\"https://profiles.wordpress.org/mrmist/\">mrmist</a>, <a href=\"https://profiles.wordpress.org/mrtall/\">mrTall</a>, <a href=\"https://profiles.wordpress.org/msaggiorato/\">msaggiorato</a>, <a href=\"https://profiles.wordpress.org/musamamasood/\">Muhammad Usama Masood</a>, <a href=\"https://profiles.wordpress.org/mukesh27/\">Mukesh Panchal</a>, <a href=\"https://profiles.wordpress.org/munyagu/\">munyagu</a>, <a href=\"https://profiles.wordpress.org/nabilmoqbel/\">Nabil Moqbel</a>, <a href=\"https://profiles.wordpress.org/assassinateur/\">Nadir Seghir</a>, <a href=\"https://profiles.wordpress.org/nfmohit/\">Nahid Ferdous Mohit</a>, <a href=\"https://profiles.wordpress.org/nalininonstopnewsuk/\">Nalini Thakor</a>, <a href=\"https://profiles.wordpress.org/nao/\">Naoko Takano</a>, <a href=\"https://profiles.wordpress.org/narwen/\">narwen</a>, <a href=\"https://profiles.wordpress.org/nateinaction/\">Nate Gay</a>, <a href=\"https://profiles.wordpress.org/nathanrice/\">Nathan Rice</a>, <a href=\"https://profiles.wordpress.org/navidos/\">Navid</a>, <a href=\"https://profiles.wordpress.org/neonkowy/\">neonkowy</a>, <a href=\"https://profiles.wordpress.org/krstarica/\">net</a>, <a href=\"https://profiles.wordpress.org/netpassprodsr/\">netpassprodsr</a>, <a href=\"https://profiles.wordpress.org/nextendweb/\">Nextendweb</a>, <a href=\"https://profiles.wordpress.org/calvin_ngan/\">Ngan Tengyuen</a>, <a href=\"https://profiles.wordpress.org/nickdaugherty/\">Nick Daugherty</a>, <a href=\"https://profiles.wordpress.org/nickylimjj/\">Nicky Lim</a>, <a href=\"https://profiles.wordpress.org/vadimnicolai/\">nicolad</a>, <a href=\"https://profiles.wordpress.org/rahe/\">Nicolas Juen</a>, <a href=\"https://profiles.wordpress.org/nicolaskulka/\">NicolasKulka</a>, <a href=\"https://profiles.wordpress.org/jainnidhi/\">Nidhi Jain</a>, <a href=\"https://profiles.wordpress.org/nielsdeblaauw/\">Niels de Blaauw</a>, <a href=\"https://profiles.wordpress.org/nielslange/\">Niels Lange</a>, <a href=\"https://profiles.wordpress.org/nigrosimone/\">nigro.simone</a>, <a href=\"https://profiles.wordpress.org/ntsekouras/\">Nik Tsekouras</a>, <a href=\"https://profiles.wordpress.org/nikhilbhansi/\">Nikhil Bhansi</a>, <a href=\"https://profiles.wordpress.org/nbachiyski/\">Nikolay Bachiyski</a>, <a href=\"https://profiles.wordpress.org/nilovelez/\">Nilo Velez</a>, <a href=\"https://profiles.wordpress.org/niresh12495/\">Niresh</a>, <a href=\"https://profiles.wordpress.org/nmenescardi/\">nmenescardi</a>, <a href=\"https://profiles.wordpress.org/noahtallen/\">Noah Allen</a>, <a href=\"https://profiles.wordpress.org/numidwasnotavailable/\">NumidWasNotAvailable</a>, <a href=\"https://profiles.wordpress.org/oakesjosh/\">oakesjosh</a>, <a href=\"https://profiles.wordpress.org/obliviousharmony/\">obliviousharmony</a>, <a href=\"https://profiles.wordpress.org/ockham/\">ockham</a>, <a href=\"https://profiles.wordpress.org/oglekler/\">Olga Gleckler</a>, <a href=\"https://profiles.wordpress.org/alshakero/\">Omar Alshaker</a>, <a href=\"https://profiles.wordpress.org/omarreiss/\">Omar Reiss</a>, <a href=\"https://profiles.wordpress.org/onokazu/\">onokazu</a>, <a href=\"https://profiles.wordpress.org/optimizingmatters/\">Optimizing Matters</a>, <a href=\"https://profiles.wordpress.org/ov3rfly/\">Ov3rfly</a>, <a href=\"https://profiles.wordpress.org/ovann86/\">ovann86</a>, <a href=\"https://profiles.wordpress.org/overclokk/\">overclokk</a>, <a href=\"https://profiles.wordpress.org/p_enrique/\">p_enrique</a>, <a href=\"https://profiles.wordpress.org/paaljoachim/\">Paal Joachim Romdahl</a>, <a href=\"https://profiles.wordpress.org/pablohoneyhoney/\">Pablo Honey</a>, <a href=\"https://profiles.wordpress.org/paddy/\">Paddy</a>, <a href=\"https://profiles.wordpress.org/palmiak/\">palmiak</a>, <a href=\"https://profiles.wordpress.org/paresh07/\">Paresh Shinde</a>, <a href=\"https://profiles.wordpress.org/parvand/\">Parvand</a>, <a href=\"https://profiles.wordpress.org/swissspidy/\">Pascal Birchler</a>, <a href=\"https://profiles.wordpress.org/casiepa/\">Pascal Casier</a>, <a href=\"https://profiles.wordpress.org/pbearne/\">Paul Bearne</a>, <a href=\"https://profiles.wordpress.org/pbiron/\">Paul Biron</a>, <a href=\"https://profiles.wordpress.org/pdfernhout/\">Paul Fernhout</a>, <a href=\"https://profiles.wordpress.org/djpaul/\">Paul Gibbs</a>, <a href=\"https://profiles.wordpress.org/figureone/\">Paul Ryan</a>, <a href=\"https://profiles.wordpress.org/paulschreiber/\">Paul Schreiber</a>, <a href=\"https://profiles.wordpress.org/paulstonier/\">Paul Stonier</a>, <a href=\"https://profiles.wordpress.org/pschrottky/\">Paul Von Schrottky</a>, <a href=\"https://profiles.wordpress.org/pavelevap/\">pavelevap</a>, <a href=\"https://profiles.wordpress.org/pedromendonca/\">Pedro Mendonça</a>, <a href=\"https://profiles.wordpress.org/pentatonicfunk/\">pentatonicfunk</a>, <a href=\"https://profiles.wordpress.org/pputzer/\">pepe</a>, <a href=\"https://profiles.wordpress.org/pessoft/\">Peter \"Pessoft\" Kolínek</a>, <a href=\"https://profiles.wordpress.org/westi/\">Peter Westwood</a>, <a href=\"https://profiles.wordpress.org/peterwilsoncc/\">Peter Wilson</a>, <a href=\"https://profiles.wordpress.org/pderksen/\">Phil Derksen</a>, <a href=\"https://profiles.wordpress.org/johnstonphilip/\">Phil Johnston</a>, <a href=\"https://profiles.wordpress.org/philipmjackson/\">Philip Jackson</a>, <a href=\"https://profiles.wordpress.org/pierlo/\">Pierre Gordon</a>, <a href=\"https://profiles.wordpress.org/pigdog234/\">pigdog234</a>, <a href=\"https://profiles.wordpress.org/pikamander2/\">pikamander2</a>, <a href=\"https://profiles.wordpress.org/pingram3541/\">pingram</a>, <a href=\"https://profiles.wordpress.org/pionect/\">Pionect</a>, <a href=\"https://profiles.wordpress.org/piyushmca/\">Piyush Patel</a>, <a href=\"https://profiles.wordpress.org/pkarjala/\">pkarjala</a>, <a href=\"https://profiles.wordpress.org/pkvillanueva/\">pkvillanueva</a>, <a href=\"https://profiles.wordpress.org/pmbaldha/\">Prashant Baldha</a>, <a href=\"https://profiles.wordpress.org/pratik028/\">pratik028</a>, <a href=\"https://profiles.wordpress.org/pravinparmar2404/\">Pravin Parmar</a>, <a href=\"https://profiles.wordpress.org/presskopp/\">Presskopp</a>, <a href=\"https://profiles.wordpress.org/presslabs/\">Presslabs</a>, <a href=\"https://profiles.wordpress.org/priyankkpatel/\">Priyank Patel</a>, <a href=\"https://profiles.wordpress.org/priyomukul/\">Priyo Mukul</a>, <a href=\"https://profiles.wordpress.org/prografika/\">ProGrafika</a>, <a href=\"https://profiles.wordpress.org/programmin/\">programmin</a>, <a href=\"https://profiles.wordpress.org/puneetsahalot/\">Puneet Sahalot</a>, <a href=\"https://profiles.wordpress.org/pvogel2/\">pvogel2</a>, <a href=\"https://profiles.wordpress.org/r-a-y/\">r-a-y</a>, <a href=\"https://profiles.wordpress.org/raajtram/\">Raaj Trambadia</a>, <a href=\"https://profiles.wordpress.org/larrach/\">Rachel Peter</a>, <a href=\"https://profiles.wordpress.org/raineorshine/\">raine</a>, <a href=\"https://profiles.wordpress.org/rajeshsingh520/\">rajeshsingh520</a>, <a href=\"https://profiles.wordpress.org/superpoincare/\">Ramanan</a>, <a href=\"https://profiles.wordpress.org/ramiy/\">Rami Yushuvaev</a>, <a href=\"https://profiles.wordpress.org/ravanh/\">RavanH</a>, <a href=\"https://profiles.wordpress.org/ravatparmar/\">Ravat Parmar</a>, <a href=\"https://profiles.wordpress.org/ravenswd/\">ravenswd</a>, <a href=\"https://profiles.wordpress.org/rawrly/\">rawrly</a>, <a href=\"https://profiles.wordpress.org/rebasaurus/\">rebasaurus</a>, <a href=\"https://profiles.wordpress.org/redsand/\">Red Sand Media Group</a>, <a href=\"https://profiles.wordpress.org/tabrisrp/\">Remy Perona</a>, <a href=\"https://profiles.wordpress.org/remzicavdar/\">Remzi Cavdar</a>, <a href=\"https://profiles.wordpress.org/renathoc/\">Renatho</a>, <a href=\"https://profiles.wordpress.org/renggo888/\">renggo888</a>, <a href=\"https://profiles.wordpress.org/retlehs/\">retlehs</a>, <a href=\"https://profiles.wordpress.org/retrofox/\">retrofox</a>, <a href=\"https://profiles.wordpress.org/riaanlom/\">riaanlom</a>, <a href=\"https://profiles.wordpress.org/youknowriad/\">Riad Benguella</a>, <a href=\"https://profiles.wordpress.org/rianrietveld/\">Rian Rietveld</a>, <a href=\"https://profiles.wordpress.org/riasat/\">riasat</a>, <a href=\"https://profiles.wordpress.org/richtabor/\">Rich Tabor</a>, <a href=\"https://profiles.wordpress.org/ringisha/\">Ringisha</a>, <a href=\"https://profiles.wordpress.org/ritterml/\">ritterml</a>, <a href=\"https://profiles.wordpress.org/rnaby/\">Rnaby</a>, <a href=\"https://profiles.wordpress.org/rcutmore/\">Rob Cutmore</a>, <a href=\"https://profiles.wordpress.org/dhrrob/\">Rob Migchels</a>, <a href=\"https://profiles.wordpress.org/rob006/\">rob006</a>, <a href=\"https://profiles.wordpress.org/noisysocks/\">Robert Anderson</a>, <a href=\"https://profiles.wordpress.org/miqrogroove/\">Robert Chapin</a>, <a href=\"https://profiles.wordpress.org/robertpeake/\">Robert Peake</a>, <a href=\"https://profiles.wordpress.org/nullbyte/\">Robert Windisch</a>, <a href=\"https://profiles.wordpress.org/kreppar/\">Rodrigo Arias</a>, <a href=\"https://profiles.wordpress.org/ronalfy/\">Ronald Huereca</a>, <a href=\"https://profiles.wordpress.org/costasovo/\">Rostislav Wolný</a>, <a href=\"https://profiles.wordpress.org/roytanck/\">Roy Tanck</a>, <a href=\"https://profiles.wordpress.org/rtagliento/\">rtagliento</a>, <a href=\"https://profiles.wordpress.org/ruxandra/\">ruxandra</a>, <a href=\"https://profiles.wordpress.org/ryan/\">Ryan Boren</a>, <a href=\"https://profiles.wordpress.org/bookdude13/\">Ryan Fredlund</a>, <a href=\"https://profiles.wordpress.org/ryankienstra/\">Ryan Kienstra</a>, <a href=\"https://profiles.wordpress.org/rmccue/\">Ryan McCue</a>, <a href=\"https://profiles.wordpress.org/welcher/\">Ryan Welcher</a>, <a href=\"https://profiles.wordpress.org/ryotasakamoto/\">Ryota Sakamoto</a>, <a href=\"https://profiles.wordpress.org/ryotsun/\">ryotsun</a>, <a href=\"https://profiles.wordpress.org/soean/\">Sören Wrede</a>, <a href=\"https://profiles.wordpress.org/sorenbronsted/\">Søren Brønsted</a>, <a href=\"https://profiles.wordpress.org/sachittandukar/\">Sachit Tandukar</a>, <a href=\"https://profiles.wordpress.org/sagarjadhav/\">Sagar Jadhav</a>, <a href=\"https://profiles.wordpress.org/sajjad67/\">Sajjad Hossain Sagor</a>, <a href=\"https://profiles.wordpress.org/salcode/\">Sal Ferrarello</a>, <a href=\"https://profiles.wordpress.org/salvatoreformisano/\">Salvatore Formisano</a>, <a href=\"https://profiles.wordpress.org/salvoaranzulla/\">salvoaranzulla</a>, <a href=\"https://profiles.wordpress.org/samful/\">Sam Fullalove</a>, <a href=\"https://profiles.wordpress.org/sswebster/\">Sam Webster</a>, <a href=\"https://profiles.wordpress.org/solarissmoke/\">Samir Shah</a>, <a href=\"https://profiles.wordpress.org/otto42/\">Samuel Wood (Otto)</a>, <a href=\"https://profiles.wordpress.org/samueljseay/\">samueljseay</a>, <a href=\"https://profiles.wordpress.org/pacifika/\">Sander van Dragt</a>, <a href=\"https://profiles.wordpress.org/sanzeeb3/\">Sanjeev Aryal</a>, <a href=\"https://profiles.wordpress.org/progremzion/\">Sanket Mehta</a>, <a href=\"https://profiles.wordpress.org/sarahricker/\">sarahricker</a>, <a href=\"https://profiles.wordpress.org/sathyapulse/\">Sathiyamoorthy V</a>, <a href=\"https://profiles.wordpress.org/sayedwp/\">Sayed Taqui</a>, <a href=\"https://profiles.wordpress.org/scarolan/\">scarolan</a>, <a href=\"https://profiles.wordpress.org/scholdstrom/\">scholdstrom</a>, <a href=\"https://profiles.wordpress.org/sc0ttkclark/\">Scott Kingsley Clark</a>, <a href=\"https://profiles.wordpress.org/coffee2code/\">Scott Reilly</a>, <a href=\"https://profiles.wordpress.org/scottsmith/\">Scott Smith</a>, <a href=\"https://profiles.wordpress.org/wonderboymusic/\">Scott Taylor</a>, <a href=\"https://profiles.wordpress.org/scribu/\">scribu</a>, <a href=\"https://profiles.wordpress.org/scruffian/\">scruffian</a>, <a href=\"https://profiles.wordpress.org/seanchayes/\">Sean Hayes</a>, <a href=\"https://profiles.wordpress.org/seanpaulrasmussen/\">seanpaulrasmussen</a>, <a href=\"https://profiles.wordpress.org/seayou/\">seayou</a>, <a href=\"https://profiles.wordpress.org/senatorman/\">senatorman</a>, <a href=\"https://profiles.wordpress.org/sergeybiryukov/\">Sergey Biryukov</a>, <a href=\"https://profiles.wordpress.org/vjik/\">Sergey Predvoditelev</a>, <a href=\"https://profiles.wordpress.org/sgr33n/\">Sergio de Falco</a>, <a href=\"https://profiles.wordpress.org/sergiomdgomes/\">sergiomdgomes</a>, <a href=\"https://profiles.wordpress.org/functionalrhyme/\">Shannon Smith</a>, <a href=\"https://profiles.wordpress.org/wpshades/\">Shantanu Desai</a>, <a href=\"https://profiles.wordpress.org/shaunandrews/\">shaunandrews</a>, <a href=\"https://profiles.wordpress.org/shooper/\">Shawn Hooper</a>, <a href=\"https://profiles.wordpress.org/shawnz/\">shawnz</a>, <a href=\"https://profiles.wordpress.org/shital-patel/\">Shital Marakana</a>, <a href=\"https://profiles.wordpress.org/shulard/\">shulard</a>, <a href=\"https://profiles.wordpress.org/siliconforks/\">siliconforks</a>, <a href=\"https://profiles.wordpress.org/simonwheatley/\">Simon Wheatley</a>, <a href=\"https://profiles.wordpress.org/simonjanin/\">simonjanin</a>, <a href=\"https://profiles.wordpress.org/sinatrateam/\">sinatrateam</a>, <a href=\"https://profiles.wordpress.org/sjmur/\">sjmur</a>, <a href=\"https://profiles.wordpress.org/skarabeq/\">skarabeq</a>, <a href=\"https://profiles.wordpress.org/skorasaurus/\">skorasaurus</a>, <a href=\"https://profiles.wordpress.org/skoskie/\">skoskie</a>, <a href=\"https://profiles.wordpress.org/slushman/\">slushman</a>, <a href=\"https://profiles.wordpress.org/snapfractalpop/\">snapfractalpop</a>, <a href=\"https://profiles.wordpress.org/seth17/\">SpearsMarketing</a>, <a href=\"https://profiles.wordpress.org/sphakka/\">sphakka</a>, <a href=\"https://profiles.wordpress.org/squarecandy/\">squarecandy</a>, <a href=\"https://profiles.wordpress.org/sreedoap/\">sreedoap</a>, <a href=\"https://profiles.wordpress.org/sstoqnov/\">Stanimir Stoyanov</a>, <a href=\"https://profiles.wordpress.org/ryokuhi/\">Stefano Minoia</a>, <a href=\"https://profiles.wordpress.org/hypest/\">Stefanos Togoulidis</a>, <a href=\"https://profiles.wordpress.org/sswells/\">Steph Wells</a>, <a href=\"https://profiles.wordpress.org/sabernhardt/\">Stephen Bernhardt</a>, <a href=\"https://profiles.wordpress.org/stephencronin/\">Stephen Cronin</a>, <a href=\"https://profiles.wordpress.org/netweb/\">Stephen Edgar</a>, <a href=\"https://profiles.wordpress.org/dufresnesteven/\">Steve Dufresne</a>, <a href=\"https://profiles.wordpress.org/stevegibson12/\">stevegibson12</a>, <a href=\"https://profiles.wordpress.org/sterndata/\">Steven Stern (sterndata)</a>, <a href=\"https://profiles.wordpress.org/stevenkword/\">Steven Word</a>, <a href=\"https://profiles.wordpress.org/stevenkussmaul/\">stevenkussmaul</a>, <a href=\"https://profiles.wordpress.org/stevenlinx/\">stevenlinx</a>, <a href=\"https://profiles.wordpress.org/stiofansisland/\">Stiofan</a>, <a href=\"https://profiles.wordpress.org/subrataemfluence/\">Subrata Sarkar</a>, <a href=\"https://profiles.wordpress.org/sum1/\">SUM1</a>, <a href=\"https://profiles.wordpress.org/quadthemes/\">Sunny</a>, <a href=\"https://profiles.wordpress.org/sunnyratilal/\">Sunny Ratilal</a>, <a href=\"https://profiles.wordpress.org/sushyant/\">Sushyant Zavarzadeh</a>, <a href=\"https://profiles.wordpress.org/suzylah/\">suzylah</a>, <a href=\"https://profiles.wordpress.org/cybr/\">Sybre Waaijer</a>, <a href=\"https://profiles.wordpress.org/synchro/\">Synchro</a>, <a href=\"https://profiles.wordpress.org/sergioestevao/\">Sérgio Estêvão</a>, <a href=\"https://profiles.wordpress.org/miyauchi/\">Takayuki Miyauchi</a>, <a href=\"https://profiles.wordpress.org/karmatosed/\">Tammie Lister</a>, <a href=\"https://profiles.wordpress.org/tangrufus/\">Tang Rufus</a>, <a href=\"https://profiles.wordpress.org/utz119/\">TeBenachi</a>, <a href=\"https://profiles.wordpress.org/tessawatkinsllc/\">Tessa Watkins LLC</a>, <a href=\"https://profiles.wordpress.org/wildworks/\">Tetsuaki Hamano</a>, <a href=\"https://profiles.wordpress.org/themiked/\">theMikeD</a>, <a href=\"https://profiles.wordpress.org/theolg/\">theolg</a>, <a href=\"https://profiles.wordpress.org/tweetythierry/\">Thierry Muller</a>, <a href=\"https://profiles.wordpress.org/thimalw/\">Thimal Wickremage</a>, <a href=\"https://profiles.wordpress.org/webzunft/\">Thomas M</a>, <a href=\"https://profiles.wordpress.org/tfrommen/\">Thorsten Frommen</a>, <a href=\"https://profiles.wordpress.org/thrijith/\">Thrijith Thankachan</a>, <a href=\"https://profiles.wordpress.org/tiagohillebrandt/\">Tiago Hillebrandt</a>, <a href=\"https://profiles.wordpress.org/tillkruess/\">Till Krüss</a>, <a href=\"https://profiles.wordpress.org/timothyblynjacobs/\">Timothy Jacobs</a>, <a href=\"https://profiles.wordpress.org/tkama/\">Tkama</a>, <a href=\"https://profiles.wordpress.org/tmdesigned/\">tmdesigned</a>, <a href=\"https://profiles.wordpress.org/tmoore41/\">tmoore41</a>, <a href=\"https://profiles.wordpress.org/tobiasbg/\">TobiasBg</a>, <a href=\"https://profiles.wordpress.org/tobifjellner/\">tobifjellner (Tor-Bjorn Fjellner)</a>, <a href=\"https://profiles.wordpress.org/tofandel/\">Tofandel</a>, <a href=\"https://profiles.wordpress.org/tomdude/\">tomdude</a>, <a href=\"https://profiles.wordpress.org/tferry/\">Tommy Ferry</a>, <a href=\"https://profiles.wordpress.org/starbuck/\">Tony G</a>, <a href=\"https://profiles.wordpress.org/toro_unit/\">Toro_Unit (Hiroshi Urabe)</a>, <a href=\"https://profiles.wordpress.org/torres126/\">torres126</a>, <a href=\"https://profiles.wordpress.org/zodiac1978/\">Torsten Landsiedel</a>, <a href=\"https://profiles.wordpress.org/toru/\">Toru Miki</a>, <a href=\"https://profiles.wordpress.org/travisnorthcutt/\">Travis Northcutt</a>, <a href=\"https://profiles.wordpress.org/treecutter/\">treecutter</a>, <a href=\"https://profiles.wordpress.org/truongwp/\">truongwp</a>, <a href=\"https://profiles.wordpress.org/tsimmons/\">tsimmons</a>, <a href=\"https://profiles.wordpress.org/dinhtungdu/\">Tung Du</a>, <a href=\"https://profiles.wordpress.org/desaiuditd/\">Udit Desai</a>, <a href=\"https://profiles.wordpress.org/grapplerulrich/\">Ulrich</a>, <a href=\"https://profiles.wordpress.org/vagios/\">Vagios Vlachos</a>, <a href=\"https://profiles.wordpress.org/valchovski/\">valchovski</a>, <a href=\"https://profiles.wordpress.org/valentinbora/\">Valentin Bora</a>, <a href=\"https://profiles.wordpress.org/vayu/\">Vayu Robins</a>, <a href=\"https://profiles.wordpress.org/veromary/\">veromary</a>, <a href=\"https://profiles.wordpress.org/szepeviktor/\">Viktor Szépe</a>, <a href=\"https://profiles.wordpress.org/vinkla/\">vinkla</a>, <a href=\"https://profiles.wordpress.org/virginienacci/\">virginienacci</a>, <a href=\"https://profiles.wordpress.org/planvova/\">Vladimir</a>, <a href=\"https://profiles.wordpress.org/vabrashev/\">Vladislav Abrashev</a>, <a href=\"https://profiles.wordpress.org/vortfu/\">vortfu</a>, <a href=\"https://profiles.wordpress.org/voyager131/\">voyager131</a>, <a href=\"https://profiles.wordpress.org/vtieu/\">vtieu</a>, <a href=\"https://profiles.wordpress.org/webaware/\">webaware</a>, <a href=\"https://profiles.wordpress.org/westonruter/\">Weston Ruter</a>, <a href=\"https://profiles.wordpress.org/earnjam/\">William Earnhardt</a>, <a href=\"https://profiles.wordpress.org/williampatton/\">williampatton</a>, <a href=\"https://profiles.wordpress.org/planningwrite/\">Winstina</a>, <a href=\"https://profiles.wordpress.org/wittich/\">wittich</a>, <a href=\"https://profiles.wordpress.org/wpdesk/\">wpdesk</a>, <a href=\"https://profiles.wordpress.org/wpdo5ea/\">WPDO</a>, <a href=\"https://profiles.wordpress.org/alexandreb3/\">WPMarmite</a>, <a href=\"https://profiles.wordpress.org/wppinar/\">wppinar</a>, <a href=\"https://profiles.wordpress.org/yahil/\">Yahil Madakiya</a>, <a href=\"https://profiles.wordpress.org/yashrs/\">yashrs</a>, <a href=\"https://profiles.wordpress.org/yoancutillas/\">yoancutillas</a>, <a href=\"https://profiles.wordpress.org/yoavf/\">Yoav Farhi</a>, <a href=\"https://profiles.wordpress.org/yohannp/\">yohannp</a>, <a href=\"https://profiles.wordpress.org/yuhin/\">yuhin</a>, <a href=\"https://profiles.wordpress.org/fierevere/\">Yui</a>, <a href=\"https://profiles.wordpress.org/ysalame/\">Yuri Salame</a>, <a href=\"https://profiles.wordpress.org/yvettesonneveld/\">Yvette Sonneveld</a>, <a href=\"https://profiles.wordpress.org/tollmanz/\">Zack Tollman</a>, <a href=\"https://profiles.wordpress.org/zaheerahmad/\">zaheerahmad</a>, <a href=\"https://profiles.wordpress.org/zakkath/\">zakkath</a>, <a href=\"https://profiles.wordpress.org/zebulan/\">Zebulan Stanphill</a>, <a href=\"https://profiles.wordpress.org/zieladam/\">zieladam</a>, and <a href=\"https://profiles.wordpress.org/chesio/\">Česlav Przywara</a>.\n\n\n\n<p> </p>\n\n\n\n<p>Many thanks to all of the community volunteers who contribute in the <a href=\"https://wordpress.org/support/\">support forums</a>. They answer questions from people across the world, whether they are using WordPress for the first time or since the first release. These releases are more successful for their efforts!</p>\n\n\n\n<p>Finally, thanks to all the community translators who worked on WordPress 5.5. Their efforts bring WordPress fully translated to 46 languages at release time, with more on the way.</p>\n\n\n\n<p>If you want to learn more about volunteering with WordPress, check out <a href=\"https://make.wordpress.org/\">Make WordPress</a> or the <a href=\"https://make.wordpress.org/core/\">core development blog</a>.</p>\n</div>\n\n\n\n<div class=\"wp-block-column\" style=\"flex-basis:2%\"></div>\n</div>\n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:30:\"com-wordpress:feed-additions:1\";a:1:{s:7:\"post-id\";a:1:{i:0;a:5:{s:4:\"data\";s:4:\"8799\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:4;a:6:{s:4:\"data\";s:63:\"\n \n \n \n \n \n \n \n \n \n\n \n \n \n \n \n \";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:4:{s:0:\"\";a:6:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:33:\"WordPress 5.5 Release Candidate 2\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:69:\"https://wordpress.org/news/2020/08/wordpress-5-5-release-candidate-2/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Tue, 04 Aug 2020 19:12:30 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:8:\"category\";a:3:{i:0;a:5:{s:4:\"data\";s:11:\"Development\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}i:1;a:5:{s:4:\"data\";s:8:\"Releases\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}i:2;a:5:{s:4:\"data\";s:3:\"5.5\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:34:\"https://wordpress.org/news/?p=8764\";s:7:\"attribs\";a:1:{s:0:\"\";a:1:{s:11:\"isPermaLink\";s:5:\"false\";}}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:420:\"The second release candidate for WordPress 5.5 is here! WordPress 5.5 is slated for release on August 11, 2020, but we need your help to get there—if you haven’t tried 5.5 yet, now is the time! You can test the WordPress 5.5 release candidate in two ways: Try the WordPress Beta Tester plugin (choose the “bleeding edge nightlies” option) Or download the release […]\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Jake Spurlock\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:40:\"http://purl.org/rss/1.0/modules/content/\";a:1:{s:7:\"encoded\";a:1:{i:0;a:5:{s:4:\"data\";s:2503:\"\n<p>The second release candidate for WordPress 5.5 is here!</p>\n\n\n\n<p>WordPress 5.5 is slated for release on <strong>August 11, 2020</strong>, but we need <em>your</em> help to get there—if you haven’t tried 5.5 yet, now is the time!</p>\n\n\n\n<p>You can test the WordPress 5.5 release candidate in two ways:</p>\n\n\n\n<ul><li>Try the <a href=\"https://wordpress.org/plugins/wordpress-beta-tester/\">WordPress Beta Tester</a> plugin (choose the “bleeding edge nightlies” option)</li><li>Or <a href=\"https://wordpress.org/wordpress-5.5-RC2.zip\">download the release candidate here (zip)</a>.</li></ul>\n\n\n\n<p>Thank you to all of the contributors who tested the Beta releases and gave feedback. Testing for bugs is a critical part of polishing every release and a great way to contribute to WordPress.</p>\n\n\n\n<h2>Plugin and Theme Developers</h2>\n\n\n\n<p>Please test your plugins and themes against WordPress 5.5 and update the <em>Tested up to</em> version in the readme file to 5.5. If you find compatibility problems, please be sure to post to the <a href=\"https://wordpress.org/support/forum/alphabeta/\">support forums</a>, so those can be figured out before the final release.</p>\n\n\n\n<p>For a more detailed breakdown of the changes included in WordPress 5.5, check out the <a href=\"https://wordpress.org/news/2020/07/wordpress-5-5-beta-1/\">WordPress 5.5 beta 1 post</a>. The <a href=\"https://make.wordpress.org/core/2020/07/30/wordpress-5-5-field-guide/\">WordPress 5.5 Field Guide</a> is also out! It’s your source for details on all the major changes.</p>\n\n\n\n<h2>How to Help</h2>\n\n\n\n<p>Do you speak a language other than English? <a href=\"https://translate.wordpress.org/projects/wp/dev\">Help us translate WordPress into more than 100 languages!</a> This release also marks the <a href=\"https://make.wordpress.org/polyglots/handbook/glossary/#hard-freeze\">hard string freeze</a> point of the 5.5 release schedule.</p>\n\n\n\n<p><em><strong>If you think you’ve found a bug</strong>, you can post to the <a href=\"https://wordpress.org/support/forum/alphabeta\">Alpha/Beta area</a> in the support forums. We’d love to hear from you! If you’re comfortable writing a reproducible bug report, <a href=\"https://make.wordpress.org/core/reports/\">fill one on WordPress Trac</a>, where you can also find <a href=\"https://core.trac.wordpress.org/tickets/major\">a list of known bugs</a>.</em></p>\n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:30:\"com-wordpress:feed-additions:1\";a:1:{s:7:\"post-id\";a:1:{i:0;a:5:{s:4:\"data\";s:4:\"8764\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:5;a:6:{s:4:\"data\";s:57:\"\n \n \n \n \n \n \n \n\n \n \n \n \n \n \";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:4:{s:0:\"\";a:6:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:33:\"The Month in WordPress: July 2020\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:68:\"https://wordpress.org/news/2020/08/the-month-in-wordpress-july-2020/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Mon, 03 Aug 2020 13:54:23 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:8:\"category\";a:1:{i:0;a:5:{s:4:\"data\";s:18:\"Month in WordPress\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:34:\"https://wordpress.org/news/?p=8755\";s:7:\"attribs\";a:1:{s:0:\"\";a:1:{s:11:\"isPermaLink\";s:5:\"false\";}}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:340:\"July was an action-packed month for the WordPress project. The month saw a lot of updates on one of the most anticipated releases – WordPress 5.5! WordCamp US 2020 was canceled and the WordPress community team started experimenting with different formats for engaging online events, in July. Read on to catch up with all the […]\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Hari Shanker R\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:40:\"http://purl.org/rss/1.0/modules/content/\";a:1:{s:7:\"encoded\";a:1:{i:0;a:5:{s:4:\"data\";s:11539:\"\n<p>July was an action-packed month for the WordPress project. The month saw a lot of updates on one of the most anticipated releases – WordPress 5.5! WordCamp US 2020 was canceled and the WordPress community team started experimenting with different formats for engaging online events, in July. Read on to catch up with all the updates from the WordPress world.</p>\n\n\n\n<hr class=\"wp-block-separator\" />\n\n\n\n<h2>WordPress 5.5 Updates</h2>\n\n\n\n<p>July was full of WordPress 5.5 updates! The WordPress 5.5 <a href=\"https://wordpress.org/news/2020/07/wordpress-5-5-beta-1\">Beta 1</a> came out on July 7, followed by <a href=\"https://wordpress.org/news/2020/07/wordpress-5-5-beta-2/\">Beta 2</a> on July 14, <a href=\"https://wordpress.org/news/2020/07/wordpress-5-5-beta-3/\">Beta 3</a> on July 21, and <a href=\"https://wordpress.org/news/2020/07/wordpress-5-5-beta-4/\">Beta 4</a> on July 27. Subsequently, the team also published the first <a href=\"https://wordpress.org/news/2020/07/wordpress-5-5-release-candidate/\">release candidate</a> of WordPress 5.5 on July 28. </p>\n\n\n\n<p>WordPress 5.5, which is slated for release on <a href=\"https://make.wordpress.org/core/5-5/\">August 11, 2020</a>, is a major update with features like <a href=\"https://make.wordpress.org/core/tag/feature-autoupdates/\">automatic updates for plugins and themes</a>, a <a href=\"https://make.wordpress.org/plugins/2020/07/22/proposed-block-directory-guidelines/\">block directory</a>, <a href=\"https://make.wordpress.org/core/2020/06/10/merge-announcement-extensible-core-sitemaps/\">XML sitemaps</a>, <a href=\"https://make.wordpress.org/core/2020/07/16/block-patterns-in-wordpress-5-5/\">block patterns</a>, and <a href=\"https://make.wordpress.org/core/2020/07/14/lazy-loading-images-in-5-5/\">lazy-loading images</a>, among others. To learn more about the release, check out its <a href=\"https://make.wordpress.org/core/2020/07/30/wordpress-5-5-field-guide/\">field guide post</a>.</p>\n\n\n\n<p>Want to get involved in building WordPress Core? Follow<a href=\"https://make.wordpress.org/core/\"> the Core team blog</a>, and join the #core channel in <a href=\"https://make.wordpress.org/chat/\">the Making WordPress Slack group</a>.</p>\n\n\n\n<h2>Gutenberg 8.5 and 8.6</h2>\n\n\n\n<p>The core team launched Gutenberg <a href=\"https://make.wordpress.org/core/2020/07/08/whats-new-in-gutenberg-8-july/\">8.5</a> and <a href=\"https://make.wordpress.org/core/2020/07/22/whats-new-in-gutenberg-july-22/\">8.6</a>. Version 8.5 – the last plugin release will be included entirely (without experimental features) in WordPress 5.5, introduced improvements to block drag-and-drop and accessibility, easier updates for external images, and support for the block directory. Version 8.6 comes with features like Cover block video position controls and block pattern updates. For full details on the latest versions on these Gutenberg releases, visit these posts about <a href=\"https://make.wordpress.org/core/2020/07/08/whats-new-in-gutenberg-8-july/\">8.5</a> and <a href=\"https://make.wordpress.org/core/2020/07/22/whats-new-in-gutenberg-july-22/\">8.6</a>.</p>\n\n\n\n<p>Want to get involved in building Gutenberg? Follow <a href=\"https://make.wordpress.org/core/\">the Core team blog</a>, contribute to <a href=\"https://github.com/WordPress/gutenberg/\">Gutenberg on GitHub</a>, and join the #core-editor channel in <a href=\"https://make.wordpress.org/chat/\">the Making WordPress Slack group</a>.</p>\n\n\n\n<h2>Reimagining Online WordPress Events</h2>\n\n\n\n<p>The Community team made the difficult decision <a href=\"https://make.wordpress.org/community/2020/07/27/in-person-events-in-rest-of-year-2020/\">to suspend in-person WordPress events for the rest of 2020</a> in light of the COVID-19 pandemic. The team has also started working on <a href=\"https://make.wordpress.org/community/2020/07/13/reimagining-online-events/\">reimagining online events</a>. Based on <a href=\"https://make.wordpress.org/community/2020/07/13/reimagining-online-events/#comment-28505\">feedback from the community members</a>, the team decided to <a href=\"https://make.wordpress.org/community/2020/07/23/moving-forward-with-online-events/\">make changes to the current online WordCamp format</a>. Key changes include wrapping up financial support for A/V vendors, ending event swag support for newer online WordCamps, and suspending the Global Community Sponsorship program for 2020. The team encourages upcoming online WordCamps to experiment with their events to facilitate an effective learning experience for attendees while avoiding online event fatigue. The team is currently working on a proposal to organize community-supported <a href=\"https://make.wordpress.org/community/2020/07/23/building-community-beyond-events/\">recorded workshops and synchronous discussion groups</a> to help community members learn WordPress.<br><br>Want to get involved with the Community team? <a href=\"https://make.wordpress.org/community/\">Follow the Community blog here</a>, or join them in the #community-events channel in <a href=\"https://make.wordpress.org/chat/\">the Making WordPress Slack group</a>. To organize a Meetup or WordCamp, <a href=\"https://make.wordpress.org/community/handbook/virtual-events/welcome/applying-for-a-virtual-event/\">visit the handbook page</a>. </p>\n\n\n\n<h2>WordCamp US 2020 is canceled</h2>\n\n\n\n<p>The organizers of WordCamp US 2020 have <a href=\"https://2020.us.wordcamp.org/2020/07/30/wcus-2020-an-update/\">canceled the event</a> in light of the continued pandemic and online event fatigue. The flagship event, which was originally scheduled for October 27-29 as an in-person event, had already planned to transition to an online event. Several WCUS Organizers will be working with the WordPress Community team to focus on other formats and ideas for online events, including a 24-hour contributor day, and contributing to the workshops initiative <a href=\"https://make.wordpress.org/community/2020/07/23/building-community-beyond-events/\">currently being discussed</a>. Matt Mullenweg’s State of the Word (which typically accompanies WordCamp US) is likely to take place in a different format later in 2020.</p>\n\n\n\n<h2>Plugin and theme updates are now available over zip files</h2>\n\n\n\n<p>After eleven years, WordPress now allows users to update plugins and themes by <a href=\"https://core.trac.wordpress.org/changeset/48390\">uploading a ZIP file, in WordPress 5.5</a>. The feature, which was merged on July 7, has been one of the most requested features in WordPress. Now, when a user tries to upload a plugin or theme zip file from the WordPress dashboard by clicking the “Install Now” button, WordPress will direct users to a new screen that compares the currently-installed extension with the uploaded versions. Users can then choose between continuing with the installation or canceling. WordPress 5.5 will also offer <a href=\"https://make.wordpress.org/core/tag/feature-autoupdates/\">automatic plugin and theme updates</a>. </p>\n\n\n\n<hr class=\"wp-block-separator\" />\n\n\n\n<h2>Further Reading:</h2>\n\n\n\n<ul><li>The <a href=\"https://make.wordpress.org/plugins/2020/07/22/proposed-block-directory-guidelines/\">Block directory</a> is coming to WordPress with the 5.5 release. Plugin authors can now <a href=\"https://make.wordpress.org/plugins/2020/07/11/you-can-now-add-your-own-plugins-to-the-block-directory/\">submit their Block plugins to the directory</a>.</li><li>The Core team has opened up the <a href=\"https://make.wordpress.org/core/2020/07/31/wordpress-5-6-whats-on-your-wishlist/\">call for features</a> in the WordPress 5.6 release. You can <a href=\"https://make.wordpress.org/core/2020/07/31/wordpress-5-6-whats-on-your-wishlist/\">comment on the post</a> with features that you’d like to be included, current UX pain points, or maintenance tickets that need to be addressed. August 20 is the deadline for feature requests. </li><li>Editor features such as the new Navigation block, the navigation screen, and the widget screen that were originally <a href=\"https://make.wordpress.org/updates/2020/03/06/update-progress-on-goals/\">planned to be merged with WordPress 5.5</a> have been <a href=\"https://make.wordpress.org/core/2020/07/02/editor-features-for-wordpress-5-5-update/\">pushed for the next release</a>. </li><li>The Theme team is inviting proposals on whether to allow themes to <a href=\"https://make.wordpress.org/themes/2020/07/13/proposal-allow-themes-to-add-a-top-level-admin-menu/\">place an additional top-level menu link</a> in the admin.</li><li><a href=\"https://buddypress.org/2020/07/buddypress-6-2-0-beta/\">BuddyPress 6.2 beta </a>is out in the wild, and the team will soon release the stable version. The update includes changes that will make BuddyPress fully compatible with WordPress 5.5.</li><li>WordCamp EU 2021, which was being planned as an in-person event in Porto, Portugal, <a href=\"https://europe.wordcamp.org/2021/wordcamp-europe-2021-will-be-online/\">is moving online</a>. The team is considering an in-person WordCamp EU in 2022. </li><li>The Polyglots team has prepared and finalized a <a href=\"https://make.wordpress.org/polyglots/2020/07/09/translation-editor-locale-manager-vetting-criteria-page-draft/\">Translation Editor & Locale Manager Vetting Criteria</a> to provide more clarity on how global mentors assign PTE/GTE/Locale Managers and to help locale teams set their own guidelines. The document, which was finalized <a href=\"https://make.wordpress.org/polyglots/2020/07/09/translation-editor-locale-manager-vetting-criteria-page-draft/\">after a lot of discussion</a>, is now available in the <a href=\"https://make.wordpress.org/polyglots/handbook/translating/expectations/translation-editor-locale-manager-vetting-criteria/\">Polyglots handbook</a>.</li><li>Members of the Community team <a href=\"https://make.wordpress.org/community/2020/07/03/proposal-recognition-for-event-volunteers-and-attendees-in-wordpress-org-profile/\">are discussing</a> whether WordCamp volunteers, WordCamp attendees, or Meetup attendees should be awarded a WordPress.org profile badge. The ongoing discussion will be open for comments until August 13.</li><li>The <a href=\"https://make.wordpress.org/core/tag/feature-notifications/\">WP Notify project</a>, which aims to create a better way to manage and deliver notifications to the relevant audience, is on to its next steps. The team has finalized the initial requirements, and is <a href=\"https://make.wordpress.org/core/2020/07/09/wp-notify-next-steps/\">kicking off the project build</a>.</li><li>The WordPress documentation team is <a rel=\"noreferrer noopener\" href=\"https://make.wordpress.org/docs/tag/external-linking-policy/\" target=\"_blank\">considering a ban on links to commercial websites</a> in a revision to its external linking policy. The policy change does not remove external links to commercial sites from WordPress.org and only applies to documentation sites. The idea is to protect documentation from being abused, and to prevent the WordPress project from being biased. Discussion on this post is still ongoing, and a decision has not yet been made. Feel free to<a href=\"https://make.wordpress.org/docs/tag/external-linking-policy/\"> comment on the discussion posts</a>, if you would like to share your thoughts on the topic. </li></ul>\n\n\n\n<p><em>Have a story that we should include in the next “Month in WordPress” post? 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Testing for bugs is a critical part of polishing every release and a great way to contribute to WordPress. </p>\n\n\n\n<h2 id=\"block-15d6d57f-905d-4a47-9f66-839468a5375a\">Some highlights</h2>\n\n\n\n<p id=\"block-85da84ec-c841-42f9-8d3b-1a4537a61d10\">Since <a href=\"https://wordpress.org/news/2020/02/wordpress-5-4-beta-2/\">beta 2</a>, <a href=\"https://core.trac.wordpress.org/query?status=closed&changetime=07%2F15%2F2020..07%2F21%2F2020&milestone=5.5&group=component&col=id&col=summary&col=owner&col=type&col=priority&col=component&col=version&order=priority\">43 bugs</a> have been fixed. Here are a few changes in beta 3:</p>\n\n\n\n<ul><li>Plugin and theme versions are now shared in the emails when automatically updated (see <a href=\"https://core.trac.wordpress.org/ticket/50350\">#50350</a>).</li><li>REST API routes without a <code>permission_callback</code> now trigger a <code>_doing_it_wrong()</code> warning (see <a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https://core.trac.wordpress.org/ticket/50075\">#50075</a>).</li><li>Over 23 Gutenberg changes and updates (see <a href=\"https://github.com/WordPress/gutenberg/pull/24068\">#24068</a> and <a href=\"https://core.trac.wordpress.org/ticket/50712\">#50712</a>).</li><li>A bug with the new import and export database Dashicons has been fixed (see <a href=\"https://core.trac.wordpress.org/ticket/49913\">#49913</a>).</li></ul>\n\n\n\n<h2 id=\"block-76156b2b-0a52-4502-b585-6cbe9481f55b\">Developer notes</h2>\n\n\n\n<p id=\"block-3fe5e264-0a95-4f12-9a18-0cb9dc5955d1\">WordPress 5.5 has lots of refinements to polish the developer experience. 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This software is still in development, so it’s not recommended to run this version on a production site. Consider setting up a test site to play with the new version. 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Consider setting up a test site to play with the new version.</p>\n\n\n\n<p id=\"block-7cc1bbc6-17f9-44c5-8f67-da4e3059ad69\">You can test WordPress 5.5 beta 2 in two ways:</p>\n\n\n\n<ul id=\"block-4840af57-f44b-4d9f-aa64-c6a452392e42\"><li>Try the <a href=\"https://wordpress.org/plugins/wordpress-beta-tester/\">WordPress Beta Tester</a> plugin (choose the “bleeding edge nightlies” option)</li><li>Or <a href=\"https://wordpress.org/wordpress-5.5-beta2.zip\">download the beta here</a> (zip).</li></ul>\n\n\n\n<p id=\"block-a40528cb-eb3b-4c8a-8f5e-aa700f1ba086\">WordPress 5.5 is slated for release on <a href=\"https://make.wordpress.org/core/5-5/\">August 11th, 2020</a>, and <strong>we need your help to get there</strong>!</p>\n\n\n\n<p>Thank you to all of the contributors that tested the <a href=\"https://wordpress.org/news/2020/07/wordpress-5-5-beta-1/\">beta 1</a> development release and provided feedback. Testing for bugs is an important part of polishing each release and a great way to contribute to WordPress. Here are some of the changes since beta 1 to pay close attention to while testing.</p>\n\n\n\n<h2 id=\"block-15d6d57f-905d-4a47-9f66-839468a5375a\">Some highlights</h2>\n\n\n\n<p id=\"block-85da84ec-c841-42f9-8d3b-1a4537a61d10\">Since <a href=\"https://wordpress.org/news/2020/02/wordpress-5-4-beta-1/\">beta 1</a>, <a href=\"https://core.trac.wordpress.org/query?status=closed&changetime=07%2F08%2F2020..07%2F14%2F2020&milestone=5.5&group=component&col=id&col=summary&col=owner&col=type&col=priority&col=component&col=version&order=priority\">48 bugs</a> have been fixed. 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The new service boasts staggering performance improvements for sites that might otherwise be slowed down by shared hosting, slow database lookups, or sluggish plugins:</p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>Our testing… showed a 72% reduction in Time to First Byte (TTFB), 23% reduction to <a rel=\"noreferrer noopener\" href=\"https://web.dev/fcp/\" target=\"_blank\">First Contentful Paint</a>, and 13% reduction in <a rel=\"noreferrer noopener\" href=\"https://web.dev/speed-index/\" target=\"_blank\">Speed Index</a> for desktop users at the 90th percentile, by serving nearly all of your website’s content from Cloudflare’s network. </p></blockquote>\n\n\n\n<p>APO uses Cloudflare Workers to cache dynamic content and serve the website from its <a href=\"https://www.cloudflare.com/learning/cdn/glossary/edge-server/\">edge network</a>. In most cases this eliminates origin requests and origin processing time. That means visitors requesting your website will get near instant load times. Cloudflare reports that its testing shows APO delivers consistent load times of under 400ms for HTML Time to First Byte (TTFB).</p>\n\n\n\n<p>The effects of using APO are similar to hosting static files on a CDN, but without the need to manage a complicated tech stack. Content creators retain their ability to create dynamic websites without any changes to their workflow for the sake of performance. </p>\n\n\n\n<p>Version 3.8 of <a href=\"https://wordpress.org/plugins/cloudflare/\">Cloudflare’s official WordPress plugin</a> was recently updated to include support for APO. It detects when users make changes to their content and purges the content stored on Cloudflare’s edge.</p>\n\n\n\n<p>The new service is available to Cloudflare users with a single click of a button. APO is included at no cost for existing Cloudflare customers on the Professional, Business, and Enterprise plans. Users on the Free plan can add it to their sites for $5/month. The service is a flat fee and is not metered. </p>\n\n\n\n<p>Cloudflare’s announcement has so far been well-received by WordPress professionals and hosting companies and many have already begun testing it. </p>\n\n\n\n<div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\"><p lang=\"en\" dir=\"ltr\">So the week after <a href=\"https://twitter.com/Cloudflare?ref_src=twsrc%5Etfw\">@Cloudflare</a> Birthday Week I try and play with as many of the new products as possible. Today was the WordPress APO on my simple demo site. You can see TTFB dropped from ~350ms to ~75ms! <a href=\"https://t.co/zg976EjrZI\">https://t.co/zg976EjrZI</a> <a href=\"https://t.co/KuaHqtHLom\">pic.twitter.com/KuaHqtHLom</a></p>— Matt Bullock (@mibullock) <a href=\"https://twitter.com/mibullock/status/1313478984534052865?ref_src=twsrc%5Etfw\">October 6, 2020</a></blockquote>\n</div>\n\n\n\n<p>WordPress lead developer Mark Jaquith <a href=\"https://twitter.com/markjaquith/status/1312178973372157953\">called</a> APO “incredible news for the WordPress world.”</p>\n\n\n\n<p>“On sites I manage this is going to lower hosting complexity and easily save hundreds of dollars a month in hosting costs,” Jaquith said.</p>\n\n\n\n<p>After running several speed tests from six different locations around the world, early testers at Kinsta got remarkable results using APO:</p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>“By caching static HTML on Cloudflare’s edge network, we saw a 70-300% performance increase. As expected, the testing locations furthest away from Tokyo saw the biggest reduction in load time.</p><p>“If your WordPress site uses a traditional CDN that only caches CSS, JS, and images, upgrading to Cloudflare’s WordPress APO is a no-brainer and will help you stay competitive with modern Jamstack and static sites that live on the edge by default.”</p></blockquote>\n\n\n\n<p>George Liu, a “self-confessed page speed addict” and Cloudflare Community MVP, performed a series of <a href=\"https://community.centminmod.com/threads/cloudflare-wordpress-plugin-automatic-platform-optimization.20486/\">detailed tests</a> on the new APO product with his blog. After many comparisons, he found that Cloudoflare’s WordPress plugin with APO turned on delivers results similar to his heavily optimized WordPress blog that uses a custom Cloudflare Worker caching configuration.</p>\n\n\n\n<p>“You’ll find that Cloudflare WordPress plugin’s one click Automatic Platform Optimization button does wonders for page speed for the average WordPress user not well versed in page speed optimizations,” Liu said.</p>\n\n\n\n<p>“Cloudflare’s WordPress plugin Automatic Platform Optimization will in theory beat all other WordPress caching solutions other than you rolling out your own Cloudflare Worker based caching like I did. So you get a good bang for your buck at US$5/month for Cloudflare’s WordPress plugin APO.”</p>\n\n\n\n<p>Liu also warned of some speed bumps with the initial rollout, as Cloudflare’s APO supports a limited set of WordPress cookies for bypassing the Cloudflare CDN cache, leaving certain use cases unsupported. APO does not seem to work on subdomains and users are also reporting that it’s not compatible with other caching plugins. It also disables real visitor IP address detection. </p>\n\n\n\n<p>Cloudflare is aware of many of these issues, which have been raised in the comments of the <a href=\"https://blog.cloudflare.com/automatic-platform-optimizations-starting-with-wordpress/\">announcement</a>, and is in the process of adding more cookies to the list to bypass caching. Due to some plugin conflicts, APO may not be as plug-and-play as it sounds for some users right now, but the product is very promising and should improve over time with more feedback.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Thu, 08 Oct 2020 04:18:28 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Sarah Gooding\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:1;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:86:\"WPTavern: Kick off Block-Based WordPress Theme Development With the Theme.json Creator\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=105832\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:217:\"https://wptavern.com/kick-off-block-based-wordpress-theme-development-with-the-theme-json-creator?utm_source=rss&utm_medium=rss&utm_campaign=kick-off-block-based-wordpress-theme-development-with-the-theme-json-creator\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:4674:\"<p class=\"has-drop-cap\">Gutenberg 9.1 made a backward-incompatible change to its <code>theme.json</code> file (<code>experimental-theme.json</code> while full-site editing is under the experimental flag). This is the configuration file that theme developers will need to create as part of their block-based themes. Staying up to date with such changes can be a challenge for theme authors, but Ari Stathopoulos, a Themes Team representative, wrote a <a href=\"https://make.wordpress.org/themes/2020/10/01/gutenberg-9-1-new-json-structure-for-fse-theme-json-files/\">full guide for developers</a>.</p>\n\n\n\n<p>Jon Quach, a Principal Designer at Automattic, has also been busy creating a tool to help theme authors transition to block-based themes. He recently built a UI-based project called <a href=\"https://gutenberg-theme.xyz/\">Theme.json Creator</a> that builds out the JSON code for theme authors. Plus, it is up to date with the most recent changes in the Gutenberg plugin.</p>\n\n\n\n<p>Tools like these will be what the development community needs as it gets over the inevitable hump of moving away from the traditional theme development paradigm and into a new era where themes are made almost entirely of blocks and a config file.</p>\n\n\n\n<p>While plugin development is becoming more complex with the addition of JavaScript, theme development is taking a sharp turn toward its roots of HTML and CSS. We are barreling toward a future in which far more people will be able to create WordPress themes. Even the possibility of sharing pieces of themes (e.g., template parts and patterns) is on the table. This could not only empower theme designers by lowering the barrier to entry, it could also empower some end-users to make the jump into theme building.</p>\n\n\n\n<p>However, the <code>theme.json</code> file is one aspect of future theme authorship that is extremely developer-oriented. JSON is a universal format shared between various programming languages. It is meant to be read by machines and is not quite as human-friendly as other formats. As the <code>theme.json</code> file grows to accommodate more configuration options over time, the less friendly it will become to simply typing keys and values in.</p>\n\n\n\n<p>It makes sense to build tools to simplify this part of the theme building process.</p>\n\n\n\n<p>That is where the Theme.json Creator tool comes in. Theme authors pick and choose the options they want to support and input custom values. Then, the tool spits out everything in properly-formatted JSON.</p>\n\n\n\n<img />Using the Theme.json Creator tool.\n\n\n\n<p>One big thing the tool does not yet cover is custom CSS variables. This feature is a recent addition to the <code>theme.json</code> specification. It allows theme authors to create any custom property that WordPress will automatically output as CSS. In his announcement post, Stathopoulos covered how to create a typographic scale with custom properties and use those variables for editor features, such as line-height and font-size values.</p>\n\n\n\n<p>Currently, Theme.json Creator’s primary focus is on global styles. However, Gutenberg allows theme authors to configure default styles on the block level. For example, theme designers can set the color or typography options for the core Heading block to be different from the default global styles. This provides theme authors with fine-tuned control over every block.</p>\n\n\n\n<p>Theme.json Creator does not yet support configuration at this level. However, it would be interesting to see if Quach adds it in the future.</p>\n\n\n\n<p>The focus on setting up global styles is a good start for now. This is still an experimental feature. The great thing about it is that it can help theme authors begin to see how one piece of the block-based themes puzzle fits in. It is a starting point for an entirely new method of adding theme support for features when most are accustomed to adding multiple <code>add_theme_support()</code> PHP function calls.</p>\n\n\n\n<p>With the direction that theme development seems to be heading, it is easy to imagine that it could evolve into a completely UI-based affair at some point down the line. If templates are made up of blocks and patterns, which anyone can already build with the block editor, and if styles will essentially boil down to a config file, there will be little-to-no programming required to build a basic WordPress theme.</p>\n\n\n\n<p>If someone is not already at least jotting down notes for a plugin that allows users to create and package a block-based theme, I would be surprised. For now, Theme.json Creator is removing the need to write code for at least one part of the theme design process.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Wed, 07 Oct 2020 20:53:06 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Justin Tadlock\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:2;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:104:\"WPTavern: Jetpack 9.0 Introduces Loom Block, Twitter Threads Feature, and Facebook and Instagram oEmbeds\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=105743\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:249:\"https://wptavern.com/jetpack-9-0-introduces-loom-block-twitter-threads-feature-and-facebook-and-instagram-oembeds?utm_source=rss&utm_medium=rss&utm_campaign=jetpack-9-0-introduces-loom-block-twitter-threads-feature-and-facebook-and-instagram-oembeds\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:4033:\"<div class=\"wp-block-image\"><img /></div>\n\n\n\n<p>Jetpack’s highly anticipated <a href=\"https://jetpack.com/2020/10/06/jetpack-9-0-continue-sharing-facebook-and-instagram-posts-on-your-site/\">9.0 release</a> has landed, introducing some of the new features the team has previewed over the past week. Users can now <a href=\"https://wptavern.com/jetpack-9-0-to-introduce-new-feature-for-publishing-wordpress-posts-to-twitter-as-threads\">publish WordPress posts to Twitter as threads</a>. This new feature is available as part of the Publicize module when you have connected a Twitter account. </p>\n\n\n\n<p>Posting Twitter threads is a feature that only works with the block editor, as it takes advantage of how content is naturally split into chunks (blocks). </p>\n\n\n\n<p>In the comments on his <a href=\"https://pento.net/2020/09/29/more-than-280-characters/\">demo post</a>, Automattic engineer Gary Pendergast gave a more detailed breakdown of the logic Jetpack uses to ensure full sentences aren’t broken up in the tweets. </p>\n\n\n\n<p>“With the mental model now being focused on mapping blocks to tweets, it’s much easier to make logical decisions about how to handle each block,” Pendergast said. “So, a paragraph block is the text of a tweet, if the paragraph is too long for a single tweet, it tries to split the paragraph up by sentences. If a sentence is too long, then it resorts to splitting by words. Then, if there’s an embed/image/video/gallery block following that paragraph, we can attach it to the tweet containing that paragraph. There are additional rules for other blocks, but that’s the basic process. It then just iterates over all of the supported blocks in the post.”</p>\n\n\n\n<p>Pendergast <a href=\"https://twitter.com/GaryPendergast/status/1310769596794908674\">published his post as thread</a> to demonstrate the new feature in action. The advantage of posting a thread from your WordPress site is that it doesn’t end up getting lost in Twitter’s fast-moving timeline. Most important Twitter threads evaporate from public consciousness almost as soon as they are published. Publishing threads from your website ensures they are better indexed and easier to reference in the future.</p>\n\n\n\n<h2>Jetpack Adds Loom Block for Embedding Screen Recordings </h2>\n\n\n\n<p><a href=\"https://www.loom.com/\">Loom</a> was <a href=\"https://github.com/Automattic/jetpack/pull/17137\">added to Jetpack</a> as a new oEmbed provider three weeks ago. The video recording service allows for recording camera, microphone, and desktop simultaneously. The service is especially popular in educational settings. Jetpack 9.0 introduces a new Loom block for embedding recordings. </p>\n\n\n\n<img />\n\n\n\n<p>“Loom is growing in popularity as it is being recommended more and more to assist in distance learning efforts,” Jetpack Director of Innovation Jesse Friedman said. “Now more than ever we want to be able to help those working, learning, and teaching from home. The Loom block was a natural addition to join the other Jetpack video blocks which now include YouTube, TikTok, DailyMotion, and Vimeo.”</p>\n\n\n\n<p>Loom’s free tier allows users to record up to 25 videos, but the Pro plan is free for educators. Friedman confirmed that Jetpack does not have any kind of partnership with Loom. The team decided to support the product to assist professionals, educators, and students. Having it available as a block also makes it more convenient for those using <a href=\"https://wordpress.com/p2/\">P2</a> for communication.</p>\n\n\n\n<p>As anticipated, Jetpack 9.0 also provides a seamless transition necessary to ensure Instagram and Facebook embeds will continue working after Facebook drops <a href=\"https://developers.facebook.com/docs/plugins/oembed-legacy\">unauthenticated oEmbed support</a> on October 24. The Jetpack team reports that it “partnered with Facebook” to make sure these embeds continue to work with the WordPress.com REST API.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Tue, 06 Oct 2020 23:28:38 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Sarah Gooding\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:3;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:51:\"Post Status: Joost de Valk on WordPress marketshare\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"https://poststatus.com/?p=79914\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:62:\"https://poststatus.com/joost-de-valk-on-wordpress-marketshare/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:1193:\"<p>David Bisset makes his podcast debut for Post Status, as he interviews Joost de Valk, Founder and Chief Product Officer of Yoast, and discusses all things WordPress marketshare related.</p>\n\n\n\n\n\n\n\n<h3 id=\"h-links\">Links</h3>\n\n\n\n<ul><li>His blog, <a href=\"https://joost.blog/\">joost.blog</a></li><li><a href=\"https://yoast.com\">Yoast</a></li><li>On Twitter <a href=\"https://twitter.com/jdevalk\">@jdevalk</a></li><li>June 2020 <a href=\"https://joost.blog/cms-market-share-june-2020-analysis/\">CMS marketshare report</a></li></ul>\n\n\n\n<h3>Partner: <a href=\"https://jilt.com/?utm_source=Post+Status&utm_medium=banner&utm_campaign=Post+Status+Sponsorship\">Jilt</a></h3>\n\n\n\n<p><a href=\"https://jilt.com/?utm_source=Post+Status&utm_medium=banner&utm_campaign=Post+Status+Sponsorship\">Jilt</a> offers powerful email marketing built for eCommerce. From newsletters to highly segmented automations, Jilt is your one-stop show for eCommerce email. Join thousands of stores that have already earned tens of millions of dollars in extra sales using Jilt. <a href=\"https://jilt.com/?utm_source=Post+Status&utm_medium=banner&utm_campaign=Post+Status+Sponsorship\">Try Jilt for free</a></p>\n\n\n\n<p></p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Tue, 06 Oct 2020 22:28:00 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:15:\"Brian Krogsgard\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:4;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:92:\"WPTavern: iThemes Buys WPComplete, Complementing Its Recent Restrict Content Pro Acquisition\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=105631\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:227:\"https://wptavern.com/ithemes-buys-wpcomplete-complementing-its-recent-restrict-content-pro-acquisition?utm_source=rss&utm_medium=rss&utm_campaign=ithemes-buys-wpcomplete-complementing-its-recent-restrict-content-pro-acquisition\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:4395:\"<p class=\"has-drop-cap\">Just one month after publicly announcing its <a href=\"https://wptavern.com/ithemes-enters-the-wordpress-membership-plugin-market-acquires-restrict-content-pro\">acquisition of Restrict Content Pro</a> (RCP), iThemes <a href=\"https://ithemes.com/wpcomplete-joining-ithemes-family/\">purchased WPComplete</a> for an undisclosed amount. The acquisition is for the product, website, and customers only.</p>\n\n\n\n<p>Paul Jarvis and Zack Gilbert created the <a href=\"https://wordpress.org/plugins/wpcomplete/\">WPComplete plugin</a> in 2016. However, it has outgrown what the duo could maintain and support alone. After the transition period in which the new owners take over, the two will step away from the project.</p>\n\n\n\n<p>In essence, <a href=\"https://wpcomplete.co/\">WPComplete</a> is a “course completion” plugin. Site owners can create online courses while allowing students/users to mark their work as completed. It also gives students a way to track their progress through courses, which can often boost the potential for them to finish.</p>\n\n\n\n<p>“Paul and Jack believe a key to their success has been their ability to keep their team small and manageable,” wrote Matt Danner, the COO at iThemes, in the announcement. “The growth of WPComplete has presented a number of challenges for a team of two people, so the decision was made to start looking towards alternative ownership solutions that could continue to grow WPComplete and provide it with a stable team. iThemes is a perfect fit.”</p>\n\n\n\n<p>iThemes customers who have a Plugin Suite or Toolkit membership will get automatic access to the pro version of the WPComplete plugin. For current WPComplete users, Danner said everything should be “business as usual.” However, iThemes has assigned a few of its team members to work on the product and site, so customers should see some new faces.</p>\n\n\n\n<p>RCP and WPComplete are obviously complementary products. RCP is a membership plugin that allows site owners to restrict content based on that membership. WPComplete allows site members to mark lessons or coursework as completed. “We’ll be rolling out a new bundle later this month that combines both RCP and WPComplete for course and membership creators to take advantage of these two plugins,” said AJ Morris, the Product Innovation and Marketing Manager at iThemes.</p>\n\n\n\n<p>WPComplete is still a young product. The free version of the plugin currently has 2,000+ active installs and a solid 4.7 rating on WordPress.org. If marketed as an extension of the RCP plugin, it automatically puts it in front of the eyes of 1,000s of more potential customers. It should be much easier to grow the plugin as part of a membership bundle.</p>\n\n\n\n<p>iThemes is making some bold moves in the membership space. It will be interesting to see if the company makes any other acquisitions that could strengthen its product line and help it become more dominant. There is still a ton of room for growth in the membership segment of the market. There is also the potential for integrations with other major plugins.</p>\n\n\n\n<p>“Adding WPComplete to the iThemes product lineup also allows us to move more quickly on some plans we have for Restrict Content Pro,” said Danner in the initial announcement. He also vaguely mentioned a couple of ideas the team had in the works but did not go into detail.</p>\n\n\n\n<p>With a little prodding, Morris provided some insight into what they are planning for the immediate future. The biggest first step is tackling integration with the block editor. Currently, WPComplete uses shortcodes. The team’s next step is likely to begin with creating block equivalents for those shortcodes.</p>\n\n\n\n<p>“After that, we’ve touched on a few deeper integrations with Restrict Content Pro, like the possibility to restrict courses to memberships,” said Morris.</p>\n\n\n\n<p>The iThemes team does not plan to stop with WPComplete as part of its product lineup. One of the goals is to use the plugin for the iThemes website itself. </p>\n\n\n\n<p>“We always try to eat our own dogfood when we can,” said Morris. “You’ll see that with RCP and WPComplete early next year as we look to integrate them into our <a href=\"https://training.ithemes.com\">iThemes Training</a> membership.”</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Tue, 06 Oct 2020 20:59:25 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Justin Tadlock\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:5;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:64:\"WPTavern: Exploring Full-Site Editing With the Q WordPress Theme\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=105676\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:173:\"https://wptavern.com/exploring-full-site-editing-with-the-q-wordpress-theme?utm_source=rss&utm_medium=rss&utm_campaign=exploring-full-site-editing-with-the-q-wordpress-theme\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:7492:\"<p class=\"has-drop-cap\">I have been eagerly awaiting the moment when I could install a theme and truly test Gutenberg’s full-site editing feature. By and large, each time I have tested it over the past few months, the experience has felt utterly broken. This is why I have remained skeptical of seeing the feature land in WordPress 5.6 this December.</p>\n\n\n\n<p>The <a href=\"https://github.com/aristath/q\">Q theme</a> by Ari Stathopoulos is the first theme that seems to be a decent working example. Whether that is a stroke of luck with timing or that this particular theme is simply built correctly is hard to tell — Stathopoulos is a team rep for the Themes Team. <a href=\"https://wptavern.com/gutenberg-9-1-adds-patterns-category-dropdown-and-reverts-block-based-widgets-in-the-customizer\">Gutenberg 9.1</a> dropped last week with continued work toward site editing.</p>\n\n\n\n<p>Q is as experimental as it gets. The <a href=\"https://make.wordpress.org/themes/2020/03/01/call-for-experimental-themes/\">Themes Team put out an open call</a> for experimental, block-based themes as far back as March this year. However, not many have taken the team up on this offer. If approved, Q stands to be the first block-based theme to go live in the official WordPress directory. It still has to work its way through the standard <a href=\"https://themes.trac.wordpress.org/ticket/90263\">review process</a>, awaiting its turn in the coming weeks.</p>\n\n\n\n<p>On the whole, full-site editing remains a frustrating and confusing experience. I still remain skeptical about its readiness, even in beta form, to show off to the world in WordPress 5.6.</p>\n\n\n\n<p>However, Q is an interesting theme to explore at this point for both end-users and theme developers. Users can install it and start tinkering with the site editing screen via the Gutenberg plugin. Developers can learn how global styles, templates, and template parts fit together from a working theme.</p>\n\n\n\n<h2>Using the Site Editor</h2>\n\n\n\n<img />Editing a single post in the site editor.\n\n\n\n<p class=\"has-drop-cap\">The Q theme requires the Gutenberg plugin and its full-site editing mode to be enabled. Generally, requiring a plugin is not allowed for themes in the directory. However, experimental Gutenberg themes are allowed to bypass this guideline.</p>\n\n\n\n<p>Stathopoulos pointed out that the theme is highly experimental and should not be used on a production site. However, he is hopeful that it will get more eyes focused on full-site editing.</p>\n\n\n\n<p>He mentioned that several items are broken, such as category archives not showing the correct posts. This is a current limitation of the Query block in Gutenberg. However, one of the best ways to find and recognize these types of issues is to have a theme that stays up with the pace of development.</p>\n\n\n\n<p>Currently, the site editor feels like it is biting off more than it can chew. Not only can users edit the layout and design of the page, but they can also directly edit existing post content — don’t try this at home unless you are willing for your post titles to get switched to the hyphenated slug. Should the site editor be handling the double-duty of design and content editing? If so, should design and content editing be handled in separate locations in the long term or be merged into one feature?</p>\n\n\n\n<p>It feels raw. It is not geared toward users at this point.</p>\n\n\n\n<p>The bright spot with the site editor is the current progress on template parts in the editor. Template parts are essentially “modules” that handle one part of the page. For example, the typical theme will have a header and footer template part. Currently, end-users can insert custom template parts or switch one template part for another. This opens a world of possibilities, such as users choosing between multiple header designs (template parts) for their sites.</p>\n\n\n\n<img />Switching the header template part.\n\n\n\n<p>The downside to the entire template system is that it seems so divorced from the site editor that it is hard to believe the average user would understand what is going on. Templates and template parts reside under the Appearance menu in the admin. The Site Editor is a separate, top-level menu item. Without any preexisting knowledge of how these pieces work together, it can be confusing.</p>\n\n\n\n<p>Template parts worked for me in the site editor from the outset. However, they did not work on the front end at first. I continually received the “template part not found” message for hours. Then, at some point — whether through magic or a random save that pulled everything together — the feature began to output the previously-<em>missing</em> header and footer template parts.</p>\n\n\n\n<h2>Glimpse Into the Future of Theme Development</h2>\n\n\n\n<p class=\"has-drop-cap is-style-default\">The Q theme has a scant few style rules, which it loads directly in the <code><head></code> section of the site in lieu of adding an extra stylesheet. It relies on the stock Gutenberg block styles on the front end with a few minor overrides. Most other custom styles are handled via the global styles system, which pulls from the theme’s <code>experimental-theme.json</code> config file (will be <code>theme.json</code> in the future).</p>\n\n\n\n<p>It begs the question of whether themes will necessarily need much in the way of CSS when full-site editing lands.</p>\n\n\n\n<p>If WordPress allows users to configure most styles via block options and global styles overrides, themes may not need much more than their config files. After that, it would come down to registering custom block styles and patterns.</p>\n\n\n\n<p>If this is the future that we are headed toward, anyone could essentially create a WordPress theme. And, those pieces, such as template parts and patterns, could all be shared between any site. In that future, themes may simply not matter anymore.</p>\n\n\n\n<p>Last year, Mike Schinkel proposed <a href=\"https://mikeschinkel.me/2019/wordpress-should-deprecate-themes/\">deprecating the theme system</a> altogether and replacing it with web components.</p>\n\n\n\n<p>“Rather than look for a theme that has all the features one needs — which I have found always limits the choices to zero — a site owner could look for the components and modules they need and then assemble their site from those modules,” he said. “They could pick a header, a footer, a home-page hero, a set of article cards, a pricing module, and so on.”</p>\n\n\n\n<p>The more I tinker with full-site editing, the more it feels like that is the lane that it will ultimately merge into. Imagine a future where end-users could pick and choose the pieces they wanted and simply have it look right on the front end.</p>\n\n\n\n<p>It is exciting to think about that possibility. Both Schinkel and I have more of a background in programming than we do in design. It makes sense from that sort of analytical mindset to put everything into neat, reusable <em>boxes</em> because reuse is a cornerstone of smart programming.</p>\n\n\n\n<p>However, I worry about the state of design in such a system with so many replaceable parts. Will designers be able to take holistic approaches to theme development, creating truly intricate pieces of art? Will that system essentially create a web of cookie-cutter sites? Or, will designers simply find ways to think outside the box while within the constraints of the block system?</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Mon, 05 Oct 2020 21:21:13 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Justin Tadlock\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:6;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:105:\"WPTavern: Virtual Jamstack Conf to Feature Fireside Chat with Matt Mullenweg and Matt Biilmann, October 6\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=105680\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:253:\"https://wptavern.com/virtual-jamstack-conf-to-feature-fireside-chat-with-matt-mullenweg-and-matt-biilmann-october-6?utm_source=rss&utm_medium=rss&utm_campaign=virtual-jamstack-conf-to-feature-fireside-chat-with-matt-mullenweg-and-matt-biilmann-october-6\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:2618:\"<div class=\"wp-block-image\"><img />image credit: <a href=\"https://jamstackconf.com/\">Jamstack Conf</a></div>\n\n\n\n<p>The greater Jamstack community is coming together on October 6-7, 2020, for a <a href=\"https://jamstackconf.com/virtual/\">virtual conference</a>. Organizers expect more than 15,000 attendees from around the globe over a two-day span that includes keynotes, sessions, interactive topic tables, workshops, speaker Q&As, and networking opportunities. </p>\n\n\n\n<p>Matt Mullenweg will be joining Netlify CEO Matt Biilmann on <a href=\"https://jamstackconfvirtual2020.sched.com/event/eqVI\">day 1 at 12PM PDT</a> for a fireside chat moderated by<a href=\"https://css-tricks.com/\"> CSS-Tricks</a> Creator Chris Coyier. The chat will go deeper on recent topics of contention, including developer sentiment, complexity, security, and performance. Coyier also plans to discuss how the Jamstack and WordPress communities intersect through headless implementations of the CMS.</p>\n\n\n\n<p>A provocative post from <a href=\"https://thenewstack.io/wordpress-co-founder-matt-mullenweg-is-not-a-fan-of-jamstack/\">TheNewStack</a> at the end of August quoted Mullenweg as saying that “JAMstack is a regression for the vast majority of the people adopting it.” This sparked multiple heated exchanges across blogs and social media. Biilimann, who originally coined the term “Jamstack,” wrote a <a href=\"https://www.netlify.com/blog/2020/09/15/on-mullenweg-and-the-jamstack-regression-or-future/\">response</a> to Mullenweg’s remarks, hailing “the end of the WordPress era.” </p>\n\n\n\n<p>Live conversations tend to be more cordial than shots fired across the blogosphere. It will be interesting to see if Biilimann cares to join <a href=\"https://www.stackbit.com/\">Stackbit</a> CEO Ohad Eder-Pressman in his wager that Jamstack will become the <a href=\"https://wptavern.com/matt-mullenweg-and-jamstack-community-square-off-making-long-term-bets-on-the-predominant-architecture-for-the-web\">predominant architecture for the web by 2025</a>. The fireside chat should be recorded, in case you cannot catch the live session. Recordings of talks from the previous virtual Jamstack event held in May are <a href=\"https://www.youtube.com/playlist?list=PL58Wk5g77lF8jzqp_1cViDf-WilJsAvqT\">available on YouTube</a>.</p>\n\n\n\n<p>Today is the last call for registration. Many of the workshops have already sold out, but tickets to the regular sessions on October 6 are still available. <a href=\"https://ti.to/netlify/jamstack_virtual_oct\">Sign up</a> on the event website to get your free ticket. </p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Mon, 05 Oct 2020 20:12:50 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Sarah Gooding\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:7;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:105:\"WPTavern: Gutenberg 9.1 Adds Patterns Category Dropdown and Reverts Block-Based Widgets in the Customizer\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=105629\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:255:\"https://wptavern.com/gutenberg-9-1-adds-patterns-category-dropdown-and-reverts-block-based-widgets-in-the-customizer?utm_source=rss&utm_medium=rss&utm_campaign=gutenberg-9-1-adds-patterns-category-dropdown-and-reverts-block-based-widgets-in-the-customizer\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:5615:\"<p class=\"has-drop-cap\">Gutenberg 9.1 was released to the public on Wednesday. The team announced over 200 commits from 77 contributors in its <a href=\"https://make.wordpress.org/core/2020/10/01/whats-new-in-gutenberg-30-september/\">release post</a> yesterday. One of the biggest changes to the interface was the addition of a new dropdown selector for block pattern categories. The team also reverted the block-based widgets section in the customizer and added an image size control to the Media & Text block.</p>\n\n\n\n<p>One of the main focuses of this release was improving the block-based widgets editor. The feature was taken out of the experimental stage in Gutenberg 8.9 and continues to improve. The widgets screen now uses the <a href=\"https://github.com/WordPress/gutenberg/pull/25681\">same inserter UI</a> as the post-editing screen. However, users can currently only insert regular blocks. Patterns and reusable blocks are still not included.</p>\n\n\n\n<p>Theme authors can now <a href=\"https://github.com/WordPress/gutenberg/issues/20588\">control aspects of the block editor</a> via a custom <code>theme.json</code> file. This is part of the ongoing Global Styles project, which will allow theme authors to configure features for their users.</p>\n\n\n\n<p>The development team has also added an <a href=\"https://github.com/WordPress/gutenberg/pull/25115\">explicit box-sizing style rule</a> to the Cover and Group blocks. This is to avoid any potential issues with the new padding/spacing options. Theme authors who rely on the block editor styles should test their themes to make sure this change does not break anything.</p>\n\n\n\n<h2>Better Pattern Organization</h2>\n\n\n\n<img />New block patterns UI in the inserter.\n\n\n\n<p class=\"has-drop-cap\">I have been calling for the return of the tabbed pattern categories since <a href=\"https://wptavern.com/gutenberg-8-0-merges-block-and-pattern-inserter-adds-inline-formats-and-updates-code-editor\">Gutenberg 8.0</a>, which was a regression from previous versions. For 11 versions, users have had to scroll and scroll and scroll through every block pattern just to find the one they wanted. The development team has sought to address this issue by using a <a href=\"https://github.com/WordPress/gutenberg/pull/24954\">category dropdown selector</a>. When selecting a specific category, its patterns will appear.</p>\n\n\n\n<p>At first, I was unsure about this method over the old tabbed method. However, after some use, it feels like the right direction.</p>\n\n\n\n<p>As more and more theme and plugin authors add block pattern categories to users’ sites, the dropdown is a more sensible route. Even tabs could become unwieldy over time. The dropdown better organizes the list of categories and makes the UI cleaner. More than anything, I am enjoying the experience and look forward to this eventually landing in WordPress 5.6 later this year.</p>\n\n\n\n<h2>Customizer Widgets Reverted</h2>\n\n\n\n<img />Reverted widgets panel in the customizer.\n\n\n\n<p class=\"has-drop-cap\">On the subject of WordPress 5.6, one of its flagship features has been hitting some roadblocks. Block-based widgets are expected to land in core with the December release, but the team just reverted part of the feature. They had to remove the widgets block editor from the customizer they added just two major releases ago.</p>\n\n\n\n<p>It was for the best. The customizer’s block-based widgets editor was <a href=\"https://wptavern.com/gutenberg-8-9-brings-block-based-widgets-out-of-the-experimental-stage\">fundamentally broken</a>. It was not ready for primetime and should have remained in the experimental stage until it was somewhat usable.</p>\n\n\n\n<p>“I will approve this since the current state of the customizer in the Gutenberg plugin is broken, and there is no clear path forward about how to fix that,” wrote Andrei Draganescu in the <a href=\"https://github.com/WordPress/gutenberg/pull/25626\">reversion ticket</a>. “With this patch, the normal widgets can still be edited in the customizer and the block ones don’t break it anymore. This is NOT to mean that we won’t proceed with fixing the block editor in the customizer, that is still an ongoing discussion.”</p>\n\n\n\n<p>The current state of editing widgets via the customizer is at least workable with this change. If end-users add a block via the admin-side widgets editor, it will merely appear as an uneditable, <em>faux</em> widget named “Block” in the customizer. They will need to edit blocks via the normal widgets screen.</p>\n\n\n\n<p>There is no way that WordPress can ship the current solution when 5.6 rolls out. However, we are still two months out. This leaves plenty of time for a fix, but Draganescu’s note that “there is no clear path forward” may make some people a bit uneasy at this stage of development.</p>\n\n\n\n<h2>Control Image Size for Media & Text</h2>\n\n\n\n<img />Image size dropdown selector for the Media & Text block.\n\n\n\n<p class=\"has-drop-cap\">One of the bright spots in this update is the addition of an <a href=\"https://github.com/WordPress/gutenberg/pull/24795\">image size control</a> to the Media & Text block. Like the normal Image block, end-users can choose from any registered image size created for their uploaded image.</p>\n\n\n\n<p>This is a feature I have been looking forward to in particular. Previously, using the full-sized image often made the page weight a bit heftier than necessary. It is also nice to go along with themes that register sizes for both landscape and portrait orientations, giving users more options.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Fri, 02 Oct 2020 20:56:14 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Justin Tadlock\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:8;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:58:\"WordPress.org blog: The Month in WordPress: September 2020\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:34:\"https://wordpress.org/news/?p=9026\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:73:\"https://wordpress.org/news/2020/10/the-month-in-wordpress-september-2020/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:8711:\"<p>This month was characterized by some exciting announcements from the WordPress core team! Read on to catch up with all the WordPress news and updates from September. </p>\n\n\n\n<hr class=\"wp-block-separator\" />\n\n\n\n<h2>WordPress 5.5.1 Launch</h2>\n\n\n\n<p>On September 1, the Core team released <a href=\"https://wordpress.org/news/2020/09/wordpress-5-5-1-maintenance-release/\">WordPress 5.5.1</a>. This maintenance release included several bug fixes for both core and the editor, and many other enhancements. You can update to the latest version directly from your WordPress dashboard or <a href=\"https://wordpress.org/download/\">download</a> it directly from WordPress.org. The next major release will be <a href=\"https://make.wordpress.org/core/5-6/\">version 5.6</a>.</p>\n\n\n\n<p>Want to be involved in the next release? You can help to build WordPress Core by following<a href=\"https://make.wordpress.org/core/\"> the Core team blog</a>, and joining the #core channel in <a href=\"https://make.wordpress.org/chat/\">the Making WordPress Slack group</a>.</p>\n\n\n\n<h2>Gutenberg 9.1, 9.0, and 8.9 are out</h2>\n\n\n\n<p>The core team launched <a href=\"https://make.wordpress.org/core/2020/09/16/whats-new-in-gutenberg-16-september/\">version 9.0</a> of the Gutenberg plugin on September 16, and <a href=\"https://make.wordpress.org/core/2020/10/01/whats-new-in-gutenberg-30-september/\">version 9.1</a> on September 30. <a href=\"https://make.wordpress.org/core/2020/09/16/whats-new-in-gutenberg-16-september/\">Version 9.0</a> features some useful enhancements — like a new look for the navigation screen (with drag and drop support in the list view) and modifications to the query block (including search, filtering by author, and support for tags). <a href=\"https://make.wordpress.org/core/2020/10/01/whats-new-in-gutenberg-30-september/\">Version 9.1</a> adds improvements to global styles, along with improvements for the UI and several blocks. <a href=\"https://make.wordpress.org/core/2020/09/03/whats-new-in-gutenberg-2-september/\">Version 8.9</a> of Gutenberg, which came out earlier in September, enables the block-based widgets feature (also known as block areas, and was previously available in the experiments section) by default — replacing the default WordPress widgets to the plugin. You can find out more about the Gutenberg roadmap in the <a href=\"https://make.wordpress.org/core/2020/09/03/whats-next-in-gutenberg-september/\">What’s next in Gutenberg blog post</a>.</p>\n\n\n\n<p>Want to get involved in building Gutenberg? Follow <a href=\"https://make.wordpress.org/core/\">the Core team blog</a>, contribute to <a href=\"https://github.com/WordPress/gutenberg/\">Gutenberg on GitHub</a>, and join the #core-editor channel in <a href=\"https://make.wordpress.org/chat/\">the Making WordPress Slack group</a>.</p>\n\n\n\n<h2>Twenty Twenty One is the WordPress 5.6 default theme</h2>\n\n\n\n<p><a href=\"https://make.wordpress.org/core/2020/09/23/introducing-twenty-twenty-one/\">Twenty Twenty One</a>, the brand new default theme for <a href=\"https://make.wordpress.org/core/5-6/\">WordPress 5.6</a>, has been announced! Twenty Twenty One is designed to be a blank canvas for the block editor, and will adopt a straightforward, yet refined, design. The theme has a limited color palette: a pastel green background color, two shades of dark grey for text, and a native set of system fonts. Twenty Twenty One will use a modified version of the <a href=\"https://wordpress.org/themes/seedlet/\">Seedlet theme</a> as its base. It will have a comprehensive system of nested CSS variables to make child theming easier, a native support for global styles, and full site editing. </p>\n\n\n\n<p>Follow the <a href=\"https://make.wordpress.org/core/\">Make/Core</a> blog if you wish to contribute to Twenty Twenty One. There will be weekly meetings every Monday at 15:00 UTC and triage sessions every Friday at 15:00 UTC in the #core-themes Slack channel. Theme development will happen <a href=\"https://github.com/wordpress/twentytwentyone.\">on GitHub</a>. </p>\n\n\n\n<hr class=\"wp-block-separator\" />\n\n\n\n<h2>Further Reading:</h2>\n\n\n\n<ul><li>WordPress plugin authors can now <a href=\"https://meta.trac.wordpress.org/changeset/10255\">opt into confirming plugin updates via email</a>. This feature will allow plugin authors to approve any plugin updates over email before release.</li><li>September was the busiest month for online WordCamps so far, with seven events taking place: <a href=\"https://ogijima.wordcamp.org/2020/\">WordCamp Ogijima Online</a>, <a href=\"https://colombia.wordcamp.org/2020/\">WordCamp Colombia Online</a>, <a href=\"https://2020.asheville.wordcamp.org/2020/\">WordCamp Asheville, NC USA</a>, <a href=\"https://saopaulo.wordcamp.org/2020/\">WordCamp São Paulo, Brazil</a>, <a href=\"https://2020.virginiabeach.wordcamp.org/\">WordCamp Virginia Beach</a>, <a href=\"https://2020.lima.wordcamp.org/\">WordCamp Lima Peru</a>, and <a href=\"https://philadelphia.wordcamp.org/2020/\">WordCamp Philadelphia, PA, USA</a>. You can find live stream recaps of these events on their websites. The camps are also in the process of uploading their videos to <a href=\"https://wordpress.tv/\">WordPress.tv</a>. Check out the <a href=\"https://central.wordcamp.org/schedule/\">WordCamp Schedule</a> to follow upcoming online WordCamps!</li><li>The Themes team has added a <a href=\"https://meta.trac.wordpress.org/changeset/10240\">delist feature</a> to the themes directory. The feature will allow a theme to be temporarily hidden from search, while still making it available. The team may delist themes if they violate the <a href=\"https://make.wordpress.org/themes/handbook/review/required/\">Theme Directory guidelines</a>. </li><li>The Themes Team has also released its <a href=\"https://make.wordpress.org/themes/2020/09/25/new-package-to-allow-locally-hosting-webfonts/\">new web fonts Loader project</a>. The webfonts loader will allow theme developers to load web fonts from the user’s site, rather than through a third-party CDN. The project lives in the team’s <a href=\"https://github.com/WPTT/webfont-loader\">GitHub repository</a>.</li><li>The Support team is discussing<a href=\"https://make.wordpress.org/support/2020/09/talking-point-allowing-self-archival-of-topics/\"> the level of control users should have</a> over their support forum topics. The team is thinking of allowing users to archive their topics and lengthen time-to-edit to remove any semi-sensitive data. In a separate, but related, post, Support team members have started discussing <a href=\"https://make.wordpress.org/support/2020/09/talking-point-handling-support-for-commercial-users-on-the-wordpress-forums/\">how to curb support requests for commercial products</a>.</li><li>The Mobile team <a href=\"https://make.wordpress.org/core/2020/09/21/proposal-dual-licensing-gutenberg-under-gpl-v2-0-and-mpl-v2-0/\">came up with a proposal for dual licensing Gutenberg</a> under GPL 2.0 and MPL (Mozilla Public License) 2.0, so that non-WordPress software developers can potentially use it for their projects. </li><li>Since Facebook and Instagram are deprecating oEmbeds, the Core Team <a href=\"https://make.wordpress.org/core/2020/09/22/facebook-and-instagram-embeds-to-be-deprecated-october-24th/\">will be removing Facebook and Instagram’s oEmbed endpoints</a> from WordPress core code. </li><li>Following extensive discussion, the Documentation team <a href=\"https://make.wordpress.org/docs/2020/09/14/external-linking-policy-meeting-notes-august-25th/\">has tentatively decided to allow external and commercial links in the WordPress documentation</a>. The team aims to publish a formal proposal that will be left open for feedback before finalizing it.</li><li>Members of the Polyglots and Marketing teams are celebrating the <a href=\"https://make.wordpress.org/polyglots/2020/09/09/lets-celebrate-international-translation-day-together/\">International Translation Day</a> for WordPress over the week of September 28 – October 4! Community members can join or organize translation events, or contribute to WordPress core, theme, or plugin translations during this period. </li><li><a href=\"https://wpaccessibilityday.org/\">WP Accessibility day</a> — a 24-hour global online event dedicated to addressing website accessibility in WordPress, is being held on October 2. The event is open for all and has <a href=\"https://wpaccessibilityday.org/#talk-time\">experts from all over the world as speakers</a>.</li></ul>\n\n\n\n<p><em>Have a story that we should include in the next “Month in WordPress” post? Please </em><a href=\"https://make.wordpress.org/community/month-in-wordpress-submissions/\"><em>submit it here</em></a><em>.</em></p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Fri, 02 Oct 2020 09:34:04 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Hari Shanker R\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:9;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:75:\"WPTavern: Cloudflare Launches New Web Analytics Product Focusing on Privacy\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=105446\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:195:\"https://wptavern.com/cloudflare-launches-new-web-analytics-product-focusing-on-privacy?utm_source=rss&utm_medium=rss&utm_campaign=cloudflare-launches-new-web-analytics-product-focusing-on-privacy\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:2448:\"<p>In pursuit of “<a href=\"https://www.cloudflare.com/web-analytics/\">democratizing web analytics</a>,” Cloudflare announced it is launching privacy-first analytics as a new standalone product. The company is entering a market that has been <a href=\"https://www.datanyze.com/market-share/web-analytics--1/Alexa%20top%201M\">dominated by Google Analytics</a> for years but with a major differentiating feature – it will not track individual users by a cookie or IP address to show unique visits.</p>\n\n\n\n<p>Cloudflare Web Analytics defines a visit as “a successful page view that has an <a rel=\"noreferrer noopener\" href=\"https://developer.mozilla.org/en-US/docs/Web/HTTP/Headers/Referer\" target=\"_blank\">HTTP referer</a> that doesn’t match the hostname of the request.” It’s not the same as Google’s “unique” metric, and Cloudflare says it may differ from other reporting tools. Weeding out bots from the total traffic numbers is a nascent feature that Cloudflare is improving as part of its <a rel=\"noreferrer noopener\" href=\"https://www.cloudflare.com/products/bot-management/\" target=\"_blank\">Bot Management product</a>.</p>\n\n\n\n<div class=\"wp-block-image\"><img /></div>\n\n\n\n<p>Cloudflare Web Analytics is launching with features that are largely similar to Google Analytics but with some unique ways of zooming into different traffic segments and time ranges to see where traffic is originating from. </p>\n\n\n\n<p>“The most popular analytics services available were built to help ad-supported sites sell more ads,” Cloudflare product manager Jon Levine said. “But, a lot of websites don’t have ads. So if you use those services, you’re giving up the privacy of your users in order to understand how what you’ve put online is performing.</p>\n\n\n\n<p>“Cloudflare’s business has never been built around tracking users or selling advertising. We don’t want to know what you do on the Internet — it’s not our business.”</p>\n\n\n\n<p>Paying customers on the Pro, Biz, and Enterprise plans can access their analytics from their dashboards immediately. Cloudflare is also offering the product for free as JavaScript-based analytics for users who are not currently customers. Those who want access to the free plan can sign up for the <a href=\"https://www.cloudflare.com/web-analytics/\">waitlist</a>. </p>\n\n\n\n<p> </p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Fri, 02 Oct 2020 04:03:01 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Sarah Gooding\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:10;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:67:\"WPTavern: Virtual WordPress Page Builder Summit Kicks Off October 5\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=105570\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:179:\"https://wptavern.com/virtual-wordpress-page-builder-summit-kicks-off-october-5?utm_source=rss&utm_medium=rss&utm_campaign=virtual-wordpress-page-builder-summit-kicks-off-october-5\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:6348:\"<p class=\"has-drop-cap\">From October 5 through October 9, the first <a href=\"https://summit.camp/\">Page Builder Summit</a> will open its virtual doors to all attendees for free. Nathan Wrigley, the podcaster behind WP Builds, and Anchen le Roux, the founder and lead developer of Simply Digital Design, are hosting the five-day online event that focuses on the vast ecosystem of page builders for WordPress.</p>\n\n\n\n<p>The summit will include 35 sessions spread out over the <a href=\"https://summit.camp/schedule/\">event schedule</a>. Each session will last around 30 minutes, so it will be easy to pop in and watch one in your downtime. Sessions will cover a range of builders, including the default WordPress block editor, Elementor, Beaver Builder, Oxygen, Brizy, and Divi.</p>\n\n\n\n<p>“It’s an event specifically for users of WordPress page builders, or those curious about what they can do,” said Wrigley. “I feel like a page builder style interface for creating websites is the future for our industry. WordPress itself is moving in this direction with the block editor (a.k.a. Gutenberg). With that in mind, it seemed like a good idea to create a dedicated event to share knowledge about this side of WordPress. We’ve tried to include presentations from as many page builders as we could.”</p>\n\n\n\n<p>Wrigley made sure to point out that it is not all geared toward developers, discussing the inner-workings of builders. Some of the sessions focus on marketing, optimization, and conversion, which provides a wider range of topics for potential attendees.</p>\n\n\n\n<p>The summit hosts created an <a href=\"https://summit.camp/page-builder-quiz/\">online quiz</a> for those who are unsure about which sessions to watch.</p>\n\n\n\n<p>There is a small catch. The sessions will be freely available only from the time they begin and the following 24 hours. After that, accessing the videos will come at a premium. Attendees can gain lifetime access to the PowerPack for $47 if they purchase within 15 minutes of signing up. Then, prices will rise to $97 until the event kicks off on October 5. Beyond, the price jumps to $147. The lifetime access includes access to the presentations, transcripts, a workbook, and other bonuses from the speakers.</p>\n\n\n\n<p>For those unsure about forking over the cash, they can still watch the sessions during the 24-hour window.</p>\n\n\n\n<p>The proceeds from the event will go out to paying affiliate commissions to speakers and partners. Some of it will go into planning and investing in a second summit down the road.</p>\n\n\n\n<p>“Both myself and Nathan have specific charities that we want to donate to after the event,” said le Roux. “It was part of our goals to be able to do this, but we didn’t want to make this an <em>official contribution</em>.”</p>\n\n\n\n<h2>Why a Page Builder Summit?</h2>\n\n\n\n<p class=\"has-drop-cap\">Both Wrigley and le Roux have their preferred builders. But, the goal of the summit is to offer a wide look at the tools available and help freelancers and agencies better streamline their businesses and create happier clients.</p>\n\n\n\n<p>“I’ve been a user of page builders for many years, but only at the point where they truly showed in the editing interface something that almost perfectly reflected what the end-user would see did I get really immersed,” said Wrigley. “Having come from a background in which I built entire websites from a collection of text files (HTML, CSS, PHP, etc.), I was fascinated that we’d reached a point where the learning curve for building a good website was significantly reduced.”</p>\n\n\n\n<p>He pointed out that it is not always so simple though. While the same level of coding skills may not be necessary, people must figure out how to navigate their preferred page builder, which can come with its own learning curve.</p>\n\n\n\n<p>“You need to learn their way of doing things and how to achieve your design choices,” he said. “It’s always going to work out better if you know the code, but the WordPress mission of democratizing publishing certainly seems to align quite nicely with the adoption of tools, like page builders, which mean that once-difficult tasks are now easier.”</p>\n\n\n\n<p>For le Roux, her interest in hosting the Page Builder Summit falls back to her design studio.</p>\n\n\n\n<p>“As a developer, my main reason for switching to page builders was around streamlining and creating more efficient but quality websites in the shortest amount of time,” she said. “Especially now that we focus on day rates, creating the best possible website that clients would love fast would not have been possible without page builders.”</p>\n\n\n\n<h2>The Hosts’ Go-To Builders</h2>\n\n\n\n<p>“We prefer using Beaver Builder with Themer at Simply Digital Design,” said le Roux. “We use Gutenberg for blog posts or where possible with custom post types or LMS software. However, we’ve also taken on a few Elementor projects where that’s the client’s preferred option.”</p>\n\n\n\n<p>Wrigley uses some of the same tools. His main work is on the WP Builds website where he hosts podcasts.</p>\n\n\n\n<p>“I have used Beaver Builder’s Themer to create templates for specific layouts, but for content creation within those layouts I’m using the block editor,” said Wrigley. “My content is mainly text and the WordPress editor is utterly remarkable in this situation. I kept the classic editor installed for a few months after WordPress 5.0 came about, but I soon realized that this was folly and that the editing interface of Gutenberg is superior. The ability to insert and move text, buttons, etc. is such a joy to work with, and the iterations that have been made in the last two years make it, in my opinion, the best text editing experience on the web.”</p>\n\n\n\n<p>Wrigley sees a future in which the WordPress block editor takes over much of the work that page builders are currently handling. However, that future is “still over the horizon.”</p>\n\n\n\n<p>“I’m excited about this future though, and we’ve got a few crystal ball-gazing presentations; trying to work out what that future might look like,” he said.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Thu, 01 Oct 2020 20:31:07 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Justin Tadlock\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:11;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:99:\"WPTavern: Jetpack 9.0 to Introduce New Feature for Publishing WordPress Posts to Twitter as Threads\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=105448\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:243:\"https://wptavern.com/jetpack-9-0-to-introduce-new-feature-for-publishing-wordpress-posts-to-twitter-as-threads?utm_source=rss&utm_medium=rss&utm_campaign=jetpack-9-0-to-introduce-new-feature-for-publishing-wordpress-posts-to-twitter-as-threads\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:3318:\"<p>Jetpack 9.0, coming on October 6, will debut a new feature that allows users to <a href=\"https://github.com/Automattic/jetpack/pull/16699\">share blog posts as Twitter threads</a> in multiples tweets. A recent version of Jetpack introduced the ability to import and <a href=\"https://wptavern.com/jetpack-8-7-adds-new-tweetstorm-unroll-feature-improves-search-customization\">unroll tweetstorms for publishing inside a post</a>. The 9.0 release will run it back the other way so the content originates in WordPress, yet still reaps all the same benefits of circulation on Twitter as a thread. </p>\n\n\n\n<p>The new Twitter threads feature is being added as part of Jetpack’s Publicize module under the Twitter settings. After linking up a Twitter account, the Jetpack sidebar options for Publicize allow users to publish to Twitter as a link to the blog or a set of threaded tweets. It’s not just limited to text content – the threads feature will also upload and attach any images and videos included in the post. </p>\n\n\n\n<img />\n\n\n\n<p>When first introduced to the idea of publishing a Twitter thread from WordPress, I wondered if threads might lose their trademark pithy punch, since users aren’t forced to keep each segment to the standard length of a tweet. Would each tweet be separated in an odd, unreadable way? The Jetpack team anticipated this, so the thread option adds more information to the block editor to show where the paragraphs will be split into multiple tweets.</p>\n\n\n\n<p>“Threads are wildly underused on Twitter,” Gary Pendergast said in a <a href=\"https://pento.net/2020/09/29/more-than-280-characters/\">post</a> introducing the feature. “I think a big part of that is the UI for writing threads: while it’s suited to writing a thread as a series of related tweet-sized chunks, it doesn’t lend itself to writing, revising, and editing anything more complex.” The tool Pendergast has been working on for Jetpack gives users the best of both worlds.</p>\n\n\n\n<p>In response to a comment requesting Automattic “concentrate on tools to get people off social media,” Pendergast said, “If we’re also able to improve the quality of conversations on social media, I think it’d be remiss of us to not do so.” He also credits IndieWeb discussions on <a href=\"https://indieweb.org/tweetstorm\">Tweetstorms</a> and <a href=\"https://indieweb.org/POSSE\">POSSE</a> (Publish (on your) Own Site, Syndicate Elsewhere) as inspirations for the feature.</p>\n\n\n\n<p>For years, blogging advocates have tried to convince those who post lengthy tweetstorms to switch to a publishing medium that is more suitable to the length of their thoughts. The problem is that Twitter users lose so much of the immediate feedback and momentum that their thoughts would have generated when composed as a tweetstorm.</p>\n\n\n\n<p>Instead of lecturing people about how they should really be blogging instead of tweetstorming, Jetpack is taking a fresh approach by enabling full content ownership with effortless social syndication. You can test out the experience for yourself by adding the <a href=\"https://jetpack.com/download-jetpack-beta/\">Jetpack Beta Testers</a> plugin and running the 9.0 RC version on your site.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Thu, 01 Oct 2020 02:56:46 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Sarah Gooding\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:12;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:63:\"WPTavern: Ask the Bartender: How To WordPress in a Block World?\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=105491\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:167:\"https://wptavern.com/ask-the-bartender-how-to-wordpress-in-a-block-world?utm_source=rss&utm_medium=rss&utm_campaign=ask-the-bartender-how-to-wordpress-in-a-block-world\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:9755:\"<blockquote class=\"wp-block-quote\"><p>I love your articles. And now, in the middle of the WordPress revolution, I realized I’m constantly searching for an answer regarding WP these days.</p><p>So many things are being said, so many previsions of the future, problems, etc., but, right now, I think I, as a designer, just want to understand one thing that seemed answered already but it’s never clear:</p><p>Is WordPress a good choice to build a client’s template where he just has to insert the info that will show in the frontend where I want to? And he doesn’t have to worry about formatting blocks? I love blocks, don’t get me wrong, but will normal templating end?</p><p>I just think that having a super CMS, HTML, CSS, and being able to play with a database with ACF is so powerful, that I’m wondering if it’s lost. After so much reading, I still don’t understand if this paradigm is going to disappear.</p><p>Right now, I don’t know if it’s best to stop making websites as I used to and adopt block patterns instead.</p><cite>Ricardo</cite></blockquote>\n\n\n\n<p class=\"has-drop-cap\">WordPress is definitely changing. Over the past two years, we have seen much of it reshaped into something different from the previous decade and more. However, this is not new. WordPress has always been a constantly-changing platform. It just feels far too different this time around, almost foreign to many. The platform had to make a leap. Otherwise, it would have started falling behind.</p>\n\n\n\n<p>And, it is a big <em>ask</em> of the existing community to come along with it, to take that leap together.</p>\n\n\n\n<p>It can be scary as a developer whose livelihood has depended on things working a certain way or who has built tools and systems around pre-block WordPress. Many freelancers and agencies had their world turned upside down with the launch of the block editor. It is perfectly OK to feel a bit lost.</p>\n\n\n\n<p>Now, it is time for a little tough love. It has been two years. As a professional, you need to have a plan in place already. Whether that is an educational plan for yourself or a transitional plan for your clients, you should already be tackling projects that leverage the block editor. If you are at a point where you have not been building with blocks, you are now behind. However, you can still catch up and continue advancing in your WordPress career.</p>\n\n\n\n<p>There are so many changes coming down the pipeline that anyone who plans to develop for WordPress will be in continual education mode for years to come.</p>\n\n\n\n<p>When building for clients, the biggest thing to remember is that it is not about you. It is about getting something into the hands of your clients that addresses their specific needs. Freelancers and agencies need to often be the Jacks and Jills of all trades. Sometimes, this even means having a backup CMS or two that you can use that are not named WordPress. It helps to be well-rounded enough to jump around when needed, especially if you are not at a point in your career where you can demand specific work and pass on jobs that would put food on the table.</p>\n\n\n\n<p>It is also easy to look at every job as a nail and WordPress as the hammer. Or, even specific plugins as the tool that will always get the job done. I have seen developers in the past rely on tools like ACF, CMB2, or Meta Box but could not code a custom metadata solution when necessary to save their life. Sometimes a bigger toolbox is necessary.</p>\n\n\n\n<p>Every WordPress developer needs a solid, foundational understanding of the languages that WordPress uses. Gone are the days of skating by on HTML, CSS, and PHP knowledge. You need to learn JavaScript deeply. Matt Mullenweg, the co-founder of WordPress, was not joking around when he <a href=\"https://wptavern.com/state-of-the-word-2015-javascript-and-api-driven-interfaces-are-the-future-of-wordpress\">said this back in 2015</a>. It holds true more and more each day. In another five years, it will tough to be a developer in the WordPress world without knowing JavaScript, at least for backend work.</p>\n\n\n\n<p>It also depends on what types of sites you are building. If you are primarily handling front-end design, you will likely be able to get by with a lower skill level. You will just need to know the “WordPress way” of building themes.</p>\n\n\n\n<p>Within the next year, you should be able to build just about any theme design with decent CSS and HTML knowledge along with an understanding of how the block system works. Full-site editing and block-based themes will change how we build the front end of the web. It is going to be a challenging transition at first, especially for those of us who are steeped in traditional theme development, but client sites will often be far easier to build. I highly recommend the twice-monthly <a href=\"https://make.wordpress.org/themes/\">block-based themes meetings</a> if your focus is on the front end.</p>\n\n\n\n<h2>Block Templates</h2>\n\n\n\n<p class=\"has-drop-cap\">Based on your question, I am going to make some assumptions. You have a history of essentially building out meta boxes via ACF where the client just pops in their data. Then, you format that data on the front end. You are likely mixing this with custom post types (CPTs). This is a fairly common scenario.</p>\n\n\n\n<p>One of the great things about the block system is that you can lock the post editor for individual CPTs. WordPress already has you covered with its <a href=\"https://developer.wordpress.org/block-editor/developers/block-api/block-templates/\">block templates feature</a>, which allows you to define just what a post should look like. You can set up which blocks you want to appear and have the client drop their content in. At the moment, this feature is limited to the post type level. However, it should grow more robust over time, particularly when it works alongside the traditional “page templates” system.</p>\n\n\n\n<p>Block templates are a powerful tool in the ol’ toolbox that will come in handy when building client sites.</p>\n\n\n\n<h2>Block Patterns</h2>\n\n\n\n<p class=\"has-drop-cap\">You do not have to stop making websites as you are accustomed to at the moment. However, you should start leveraging new block features as they become available and make sense for a specific project. I am a fanatic when it comes to <a href=\"https://wptavern.com/block-patterns-will-change-everything\">block patterns</a>, so my bias will definitely show.</p>\n\n\n\n<p>The biggest thing with block patterns and clients is education. For the uninitiated, you will need to spend some time teaching them how to insert a pattern and how it can be used to their advantage. That is the hurdle you must jump.</p>\n\n\n\n<p>For many of the users that I have seen introduced to well-designed patterns, they have fallen in love with the feature. Even many who were reluctant to switch to the block editor became far more comfortable working with it after learning how patterns worked. This is not the case for every user or client, but it has been a good introduction point to the block editor for many.</p>\n\n\n\n<p>To answer your question regarding patterns: yes, you should absolutely begin to adopt them.</p>\n\n\n\n<h2>ACF Is Evolving</h2>\n\n\n\n<p class=\"has-drop-cap\">Because you are accustomed to ACF, you should be aware that the framework is evolving to keep up with the block editor. <a href=\"https://wptavern.com/advanced-custom-fields-5-8-0-introduces-acf-blocks-a-php-framework-for-creating-gutenberg-blocks\">Version 5.8.0</a> introduced a PHP framework for creating custom blocks over a year ago. And, it has been improving ever since. There are even projects like <a href=\"https://wptavern.com/acf-blocks-provides-assortment-of-blocks-built-from-advanced-custom-fields-pro\">ACF Blocks</a>, which will provide even more tools for your arsenal.</p>\n\n\n\n<p>It is important to learn from what some of the larger agencies are doing. Read up on how <a href=\"https://webdevstudios.com/2020/09/08/gutenberg-first/\">WebDevStudios is tackling block development</a>. The company also has an open-source <a href=\"https://github.com/WebDevStudios/wds-acf-blocks\">block library</a> for ACF.</p>\n\n\n\n<h2>Solving Problems</h2>\n\n\n\n<p class=\"has-drop-cap\">Your job as a developer is to be a problem solver. Whatever system you are building with is merely a part of your toolset. You need to be able to solve issues regardless of what tool you are using. At the end of the day, it is just code. If you can learn HTML, you can learn CSS. If you can learn those, you can learn PHP. And, if you can manage PHP, you can certainly pick up JavaScript.</p>\n\n\n\n<p>A decade or two from now, you will need to learn something else to stay relevant in your career. Web technology changes. You must change with it. Always consider yourself a student and continue your education. Surround yourself and learn from those who are more advanced than you. Emulate, borrow, and steal good ideas. Use what you have learned to make them great.</p>\n\n\n\n<p>There is no answer I can give that will be perfect for every scenario. Each client is unique, and you will need to decide the best direction for each.</p>\n\n\n\n<p>However, yes, you should already be on the path to building with a block-first mindset if you plan to continue working with WordPress for the long haul. Immerse yourself in the system. Read, study, and build something any chance you get.</p>\n\n\n\n<p class=\"has-white-color has-blue-700-background-color has-text-color has-background text-white bg-blue-700\">This is the first post in the Ask the Bartender series. Have a question of your own? <a href=\"https://wptavern.com/contact-me/ask-the-bartender\">Shoot it over</a>.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Wed, 30 Sep 2020 20:35:25 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Justin Tadlock\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:13;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:91:\"WPTavern: Supercharge the Default WordPress Theme With Twentig, a Toolbox for Twenty Twenty\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=105344\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:225:\"https://wptavern.com/supercharge-the-default-wordpress-theme-with-twentig-a-toolbox-for-twenty-twenty?utm_source=rss&utm_medium=rss&utm_campaign=supercharge-the-default-wordpress-theme-with-twentig-a-toolbox-for-twenty-twenty\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:6455:\"<img />Custom page pattern from the Twentig plugin.\n\n\n\n<p class=\"has-drop-cap\">I am often on the hunt for those hidden gems when it comes to block-related plugins. I like to see the interesting places that plugin authors venture. That is why it came as a surprise when <a href=\"https://twitter.com/Gtarafdarr/status/1310240580140556290\">someone recommended</a> I check out the <a href=\"https://wordpress.org/plugins/twentig/\">Twentig plugin</a> a few days ago. Somehow, it has flown under my radar for months. And, it has managed to do this while being one of the more interesting plugins for WordPress I have seen in the past year.</p>\n\n\n\n<p>Twentig is a plugin that essentially gives superpowers to the default Twenty Twenty theme. Diane and Yann Collet are the sibling co-founders and brains behind the plugin.</p>\n\n\n\n<p>While I have been generally a fan of Twenty Twenty since it was <a href=\"https://wptavern.com/twenty-twenty-bundled-in-core-beta-features-overview\">first bundled in core</a>, it was almost a bit of a letdown in some ways. It was supposed to be the theme that truly showcased what the block editor could do — and it does a fine job of styling the default blocks — but there was a lot of potential left on the table. The Twentig plugin turns Twenty Twenty into something worthier of a showcase for the block editor. It is that missing piece, that extra mile in which WordPress should be marching its default themes.</p>\n\n\n\n<p>While the new <a href=\"https://wptavern.com/first-look-at-twenty-twenty-one-wordpresss-upcoming-default-theme\">Twenty Twenty-One</a> default theme is just around the corner, Twentig is breathing new life into the past year’s theme. The developers behind the plugin are still fixing bugs and bringing new features users.</p>\n\n\n\n<p>Of its 34 reviews on WordPress.org, Twentig has earned a solid five-star rating. That is a nice score for a plugin with only 4,000 active installations. As I said, it has flown under the radar a bit, but the users who have found it have obviously discovered something that adds those extra touches to their sites they need.</p>\n\n\n\n<h2>What Does Twentig Do?</h2>\n\n\n\n<p class=\"has-drop-cap\">It is a toolbox for Twenty Twenty. The headline feature is its block editor features, such as custom patterns and page layouts. It also offers a slew of customizer options that allow end-users to put their own design spin on the default theme. However, my interest is primarily in how it extends the block editor. </p>\n\n\n\n<p>Let’s get this out of the way up front. Twentig’s one downside is that it adds a significant amount of additional CSS on top of the already-heavy Twenty Twenty and block editor styles. I will blame the current lack of a full design system from WordPress on most of this. Styling for the block editor can easily bloat a stylesheet. Adding an extra 100+ kb per page load might be a blocker for some who would like to try the plugin. Users will need to weigh the trade-offs between the additional features and the added page size.</p>\n\n\n\n<p>The thing that makes Twentig special is its extensive patterns and pages library, which offers one-click access to hundreds of layouts specifically catered to the Twenty Twenty theme.</p>\n\n\n\n<img />Inserting one of the hero patterns.\n\n\n\n<p>It took me a few minutes to figure out how to access the patterns — mainly because I did not read the manual. I expected to find them mixed in with the core patterns inserter. However, the plugin adds a new sidebar panel to the editor, which users can access by clicking the “tw” icon. After seeing the list of options, I can understand why they probably would not fit into WordPress’s limited block and patterns inserter UI.</p>\n\n\n\n<p>It would be easier to list what the plugin does not have than to go through each of the custom patterns and pages.</p>\n\n\n\n<p>The one thing that truly sets this plugin apart from the dozens of other block-library types of plugins is that there are no hiccups with the design. Almost every similar plugin or tool I have tested has had CSS conflicts with themes because they are trying to be a tool for every user. Twentig specifically targets the Twenty Twenty theme, which means it does not have to worry about whether it looks good with the other thousands of themes out there. It has one job, which is to extend its preferred theme, and it does it with well-designed block output.</p>\n\n\n\n<p>The other aspect of this is that it does not introduce new blocks. Every pattern and page layout option uses the core WordPress blocks, which includes everything from hero sections to testimonials to pricing tables to event listings. And more.</p>\n\n\n\n<p>Twentig does not stop adding features to the block editor with custom patterns. The useful and sometimes fun bits are on the individual block level, and I have yet to explore everything. I continue to discover new settings each time I open my editor.</p>\n\n\n\n<p>Whether it is custom pullquote styles, a photo image frame, or an inner border tweak to the Cover block (shown below), the plugin adds little extras that push what users can do with their content.</p>\n\n\n\n<img />Inner border style for the Cover block.\n\n\n\n<p>Each block also gets some basic top and bottom margin options, which comes in handy when laying out a page. At this point, I am simply looking forward to discovering features I have yet to find.</p>\n\n\n\n<h2>Areas Themes Should Explore</h2>\n\n\n\n<p class=\"has-drop-cap\">One of the things I dislike about many of these features being within the Twentig plugin is that I would like to see them within the Twenty Twenty theme instead. Obviously not every feature belongs in the theme — some features firmly land in plugin territory. The default WordPress themes should also leave some room for plugin authors to explore. But, shipping some of the more prominent patterns and styles with Twenty Twenty would make a more robust experience for the average end-user looking to get the most out of blocks.</p>\n\n\n\n<p>Block patterns were not a core WordPress feature when Twenty Twenty landed. However, for the upcoming Twenty Twenty-One theme, which is expected to bundle some unique patterns, the design team should explore what the Twentig plugin has brought to the current default. That is the direction that theme development should be heading, and theme developers can learn a lot by <s>stealing</s> borrowing from this plugin.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Tue, 29 Sep 2020 22:00:42 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Justin Tadlock\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:14;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:105:\"WPTavern: Coming in Jetpack 9.0: Shortcode Embeds Module Updated to Handle Facebook and Instagram oEmbeds\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=105381\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:253:\"https://wptavern.com/coming-in-jetpack-9-0-shortcode-embeds-module-updated-to-handle-facebook-and-instagram-oembeds?utm_source=rss&utm_medium=rss&utm_campaign=coming-in-jetpack-9-0-shortcode-embeds-module-updated-to-handle-facebook-and-instagram-oembeds\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:2938:\"<p>Facebook and Instagram are <a href=\"https://wptavern.com/upcoming-api-change-will-break-facebook-and-instagram-oembed-links-across-the-web-beginning-october-24\">dropping unauthenticated oEmbed support</a> on October 24. WordPress will be removing both Facebook and Instagram as oEmbed providers in an upcoming release. After evaluating third-party solutions, WordPress VIP is <a href=\"https://lobby.vip.wordpress.com/2020/09/28/updates-and-recommendations-facebook-and-instagram-changing-oembed-to-require-authentication/\">recommending</a> its partners enable Jetpack’s <a href=\"https://jetpack.com/support/shortcode-embeds/\">Shortcode Embeds</a> module. Jetpack will be shipping the update in its <a href=\"https://github.com/Automattic/jetpack/milestone/166\">9.0 release</a>, which is anticipated to land prior to the October 24th deadline.</p>\n\n\n\n<p>The module is being <a href=\"https://github.com/Automattic/jetpack/pull/16814\">updated</a> to provide a seamless transition for users who might otherwise be negatively impacted by Facebook’s upcoming API change. WordPress contributors have run some simulations but are not yet sure what will happen to the display for previously embedded content.</p>\n\n\n\n<p>“It is possible that they change the contents of the JS file to manipulate cached embeds, perhaps to display a warning that the site is using an old method to embed content or that the request is not properly authenticated,” Jonathan Desrosiers commented on the trac <a href=\"https://core.trac.wordpress.org/ticket/50861#comment:35\">ticket</a> for removing the oEmbed providers.</p>\n\n\n\n<p>WordPress.com VIP roughly outlined what users can expect if they do not enable a solution to begin authenticating oEmbeds:</p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>By default, WordPress caches oEmbed contents in post metadata. These embeds will continue to display in previously-published content. If you edit older posts in the Block Editor, regardless of whether you update the post by saving changes, the embeds in the post will no longer be cached and will stop displaying. If you view these older posts using the Classic Editor, so long as the post is not re-saved, the embeds will continue to function and display properly. If you update the post content, the embed will cease functioning unless you have a mitigation installed.</p></blockquote>\n\n\n\n<p>Although WordPress VIP recommends using the Jetpack module as the best solution, self-hosted WordPress users may want to investigate other options if they are not already using Jetpack. <a href=\"https://wordpress.org/plugins/oembed-plus/\">oEmbed Plus</a> is a free plugin created specifically for solving the problem of WordPress dropping Facebook and Instagram as oEmbed providers but it is more work to set up and configure. It requires users to register as a Facebook developer and create an app to get API credentials.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Tue, 29 Sep 2020 21:18:52 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Sarah Gooding\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:15;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:52:\"WPTavern: W3C Selects Craft CMS for Redesign Project\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=105265\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:149:\"https://wptavern.com/w3c-selects-craft-cms-for-redesign-project?utm_source=rss&utm_medium=rss&utm_campaign=w3c-selects-craft-cms-for-redesign-project\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:9407:\"<p>W3C has <a href=\"https://w3c.studio24.net/docs/cms-selection-report/\">selected Craft CMS</a> over Statamic for its redesign project, after <a href=\"https://wptavern.com/w3c-drops-wordpress-from-consideration-for-redesign-narrows-cms-shortlist-to-statamic-and-craft\">dropping WordPress from consideration</a> in an earlier round of elimination: </p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>In the end, our decision mostly came down to available resources. Craft had already committed to reach AA compliance in Craft 4 (it is currently on version 3.5, the release of version 4 is planned for April 2021). They had also arranged for an external agency to provide them with accessibility issues to tackle weekly. In the end, they decided instead to hire an in-house accessibility specialist to perform assessments and assist the development team in adopting accessibility patterns in the long run.</p><cite><a href=\"https://w3c.studio24.net/docs/cms-selection-report/\">W3C CMS Selection Report</a></cite></blockquote>\n\n\n\n<p>Last week we published a <a href=\"https://wptavern.com/w3c-drops-wordpress-from-consideration-for-redesign-narrows-cms-shortlist-to-statamic-and-craft\">post</a> urging W3C to revisit Gutenberg for a fair shake against the proprietary CMS’s or consider adopting another open source option. During the selection process, Studio 24, the agency contracted for the redesign, cited its extensive experience with WordPress as the reason for not performing any accessibility testing on more recent versions of Gutenberg. </p>\n\n\n\n<p>When asked if the team contacted anyone from WordPress’ Accessibility Team during the process or put Gutenberg through the same tests as the proprietary CMS’s, Studio 24 founder Simon Jones <a href=\"https://twitter.com/simonrjones/status/1309817109636157440\">confirmed</a> they had not. </p>\n\n\n\n<p>“No, we only reached out to the two shortlisted CMS’s” Jones said. “I’m afraid we didn’t have time to do more. We did test GB a few months ago based on editing content – though it wasn’t the only factor in our choice. As an agency we do plan to keep reviewing GB in the future.” </p>\n\n\n\n<p>In response to our concerns regarding licensing, Jones penned an update titled “<a href=\"https://w3c.studio24.net/updates/on-not-choosing-wordpress/\">On not choosing WordPress,</a>” which further elaborated on the reasons why the agency was not inclined towards using or evaluating the new editor:</p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>From a business perspective I also believe Gutenberg creates a complexity issue that makes it challenging for use by many agencies who create custom websites for clients; where we have a need to create lots of bespoke blocks and page elements for individual client projects.</p><p>The use of React complicates front-end build. We have very talented front-end developers, however, they are not React experts – nor should they need to be. I believe front-end should be built as standards-compliant HTML/CSS with JavaScript used to enrich functionality where necessary and appropriate.</p><p>As of yet, we have not found a satisfactory (and profitable) way to build custom Gutenberg blocks for commercial projects. </p></blockquote>\n\n\n\n<p>The CMS selection report also stated that W3C needs the CMS to be “usable by non-sighted users” by the launch date, since some members of the staff who contribute to the website are non-sighted. </p>\n\n\n\n<p>Since the most recent version of WordPress was not tested in comparison with the proprietary CMS’s, it’s unclear how much better they handle accessibility. Ultimately, W3C and Studio 24 were more comfortable moving forward with a proprietary vendor that was able to make certain assurances about the future accessibility of its authoring tool, despite having a smaller pool of contributors.</p>\n\n\n\n<p>“[I’m] also deeply curious since the cursory notes on accessibility for both of the reviewed CMSes seem to highlight a ton of issues like ‘Buttons and Checkboxes are built using div elements’ or most inputs lacking clear focus styles,” Gutenberg technical lead Matías Ventura said. “An element like the <em>Calendar</em> for choosing a post date seems entirely inoperable with keyboard on Craft, for example, while WordPress’ has had significant effort and rounds of feedback poured into that element alone to make it fully operable.”</p>\n\n\n\n<p>WordPress developer Anthony Burchell commented on how using a relatively new proprietary CMS seemed counter to W3C’s stated goal to select an option on the basis of longevity. Craft CMS’s continued success is contingent upon its business model and the company’s ability to remain profitable. </p>\n\n\n\n<p>“FOSS have the same opportunity of direct access to developers,” Burchell <a href=\"https://twitter.com/antpb/status/1309883204728430593?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1309883204728430593%7Ctwgr%5Eshare_3&ref_url=https%3A%2F%2Fwptavern.com%2Fwp-admin%2Fpost.php%3Fpost%3D105265action%3Dedit\">said</a>. “I recognize there are many accessibility shortcomings in popular software, but I think it’s more constructive to rally behind and contribute, not use a proprietary CMS that boasts beer budget in their guidelines.” </p>\n\n\n\n<p>On the other side of the issue, accessibility advocates took the W3C’s decision as a referendum on Gutenberg’s continued struggles to meet WCAG AA standards. WordPress accessibility specialist Amanda Rush <a href=\"https://www.customerservant.com/w3c-is-prioritizing-accessibility-over-its-open-source-licensing-preferences-why-is-that-a-bad-thing-again/\">said</a> it was “nice to see the W3C flip tables over this.”</p>\n\n\n\n<p>“Gutenberg is not mature software,” accessibility consultant and WordPress contributor Joe Dolson said in a <a href=\"https://www.joedolson.com/2020/09/the-w3c-drops-wordpress-from-consideration/\">post</a> elaborating on his comments at WPCampus 2020 Online. He emphasized the lack of stability in the project that Studio 24 alluded to when documenting the reasons against using WordPress.</p>\n\n\n\n<p>“It is still undergoing rapid changes, and has grand goals to add a full-site editing experience for WordPress that almost guarantees that it will continue to undergo rapid changes for the next few years,” Dolson said. “Why would any organization that is investing a large amount into a site that they presumably hope will last another 10 years want to invest in something this uncertain?”</p>\n\n\n\n<p>Dolson also said the accessibility improvements he referenced regarding the audit were only a small part of the whole picture. </p>\n\n\n\n<p>“They only encompass issues that existed in the spring of 2019,” he said. “Since then, many features have been added and changed, and those features both resolve issues and have created new ones. The accessibility team is constantly playing catch up to try and provide enough support to improve Gutenberg. And even now, while it is more or less accessible, there are critical features that are not yet implemented. There are entirely new interface patterns introduced on a regular basis that break prior accessibility expectations.”</p>\n\n\n\n<p>WordPress is also being used by millions of people who are constantly reporting issues to fuel the software’s continued refinement, which increases the <a href=\"https://github.com/WordPress/gutenberg/labels/Accessibility%20%28a11y%29\">backlog of issues</a>. Unfortunately, Studio 24 did not properly evaluate Gutenberg against the proprietary CMS’s in order to determine if these software projects are in any better shape. </p>\n\n\n\n<p>Instead, they decided that Craft CMS’s community was more receptive to collaborating on issues without reaching out to WordPress. Given the W3C’s stated preference for open source software, WordPress, as the only CMS under consideration with an <a href=\"https://opensource.org/licenses\">OSD-compliant license</a>, should have received the same accessibility evaluation.</p>\n\n\n\n<p>“I can’t make any statements that would be meaningful about the other content management systems under consideration; but if WordPress wants to be taken seriously in environments where accessibility is a legal, ethical, and mission imperative, there’s still a lot of work to be done,” Dolson said.</p>\n\n\n\n<p>Studio 24’s evaluation may not have been equitable to the only open source CMS under consideration, but the situation serves to highlight a unique quandary: when using open source software becomes the impractical choice for organizations requiring a high level of accessibility in their authoring tools.</p>\n\n\n\n<p>“Studio 24 ultimately determined that working with a CMS to make it better was more possible with a smaller, proprietary vendor than with a large open-source project,” accessibility advocate Brian DeConinck said. “Project leadership would be more receptive, and the smaller community means changes can be made more quickly. That should prompt a lot of soul-searching for…well, everyone. What does that say about the future of open source?”</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Tue, 29 Sep 2020 04:56:21 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Sarah Gooding\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:16;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"Gary: More than 280 characters\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:25:\"https://pento.net/?p=5405\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:54:\"https://pento.net/2020/09/29/more-than-280-characters/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:5187:\"<p>It’s hard to be nuanced in 280 characters.</p>\n\n\n\n<p>The Twitter character limit is a major factor of what can make it so much fun to use: you can read, publish, and interact, in extremely short, digestible chunks. But, it doesn’t fit every topic, ever time. Sometimes you want to talk about complex topics, having honest, thoughtful discussions. In an environment that encourages hot takes, however, it’s often easier to just avoid having those discussions. I can’t blame people for doing that, either: I find myself taking extended breaks from Twitter, as it can easily become overwhelming.</p>\n\n\n\n<p>For me, the exception is Twitter threads.</p>\n\n\n\n<h2>Twitter threads encourage nuance and creativity.</h2>\n\n\n\n<p>Creative masterpieces like this Choose Your Own Adventure are not just possible, they rely on Twitter threads being the way they are.</p>\n\n\n\n<div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\"><p lang=\"en\" dir=\"ltr\">Being Beyoncé’s assistant for the day: DONT GET FIRED THREAD <a href=\"https://t.co/26ix05Hkhp\">pic.twitter.com/26ix05Hkhp</a></p>— green chyna (@CORNYASSBITCH) <a href=\"https://twitter.com/CORNYASSBITCH/status/1142591156884127744?ref_src=twsrc%5Etfw\">June 23, 2019</a></blockquote>\n</div>\n\n\n\n<p>Publishing a short essay about your experiences in your job can bring attention to inequality.</p>\n\n\n\n<div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\"><p lang=\"en\" dir=\"ltr\">DOWNTOWN BROOKLYN: I\'m working arraignments tonight, representing poor New Yorkers who were arrested yesterday on Thanksgiving. <br /><br />It was the coldest Thanksgiving in more than a century. Tonight\'s also bitterly cold, even in the courtroom. I\'m wearing my scarf & coat.</p>— Rebecca Kavanagh (@DrRJKavanagh) <a href=\"https://twitter.com/DrRJKavanagh/status/1066144860619636736?ref_src=twsrc%5Etfw\">November 24, 2018</a></blockquote>\n</div>\n\n\n\n<p>And Tumblr screenshot threads are always fun to read, even when they take a turn for the epic (over 4000 tweets in this thread, and it isn’t slowing down!)</p>\n\n\n\n<div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\"><p lang=\"en\" dir=\"ltr\">Tumblr textposts thread, probably?</p>— we are a family forged in bureaucracy (@ex_aItiora) <a href=\"https://twitter.com/ex_aItiora/status/1165987806621184002?ref_src=twsrc%5Etfw\">August 26, 2019</a></blockquote>\n</div>\n\n\n\n<p>Everyone can think of threads that they’ve loved reading.</p>\n\n\n\n<p>My point is, threads are wildly underused on Twitter. I think I big part of that is the UI for writing threads: while it’s suited to writing a thread as a series of related tweet-sized chunks, it doesn’t lend itself to writing, revising, and editing anything more complex.</p>\n\n\n\n<p>To help make this easier, I’ve been working on a tool that will help you publish an entire post to Twitter from your WordPress site, as a thread. It takes care of transforming your post into Twitter-friendly content, you can just… write. <img src=\"https://s.w.org/images/core/emoji/13.0.0/72x72/1f642.png\" alt=\"?\" class=\"wp-smiley\" /></p>\n\n\n\n<p>It doesn’t just handle the tweet embeds from earlier in the thread: it handles handle uploading and attaching any images and videos you’ve included in your post.</p>\n\n\n\n<ul class=\"blocks-gallery-grid\"><li class=\"blocks-gallery-item\"><img width=\"3264\" height=\"2448\" src=\"https://pento.net/wp-content/uploads/2018/12/mvimg_20181231_0910291833340677198697139.jpg\" alt=\"A selfie of me feeding a giraffe.\" class=\"wp-image-3608\" /></li><li class=\"blocks-gallery-item\"><img width=\"4000\" height=\"3000\" src=\"https://pento.net/wp-content/uploads/2018/12/GOPR0365.jpg\" alt=\"A selfie of me on an iceberg south of the Antarctic circle.\" class=\"wp-image-3591\" /></li><li class=\"blocks-gallery-item\"><img width=\"3264\" height=\"2448\" src=\"https://pento.net/wp-content/uploads/2018/12/00006IMG_00006_BURST20181002212033_COVER.jpg\" alt=\"A selfie of me with a fire breathing dragon at the Harry Potter themed amusement park in Orlando, Florida.\" class=\"wp-image-3604\" /></li><li class=\"blocks-gallery-item\"><img width=\"1793\" height=\"469\" src=\"https://pento.net/wp-content/uploads/2018/12/48944769_986954175890_2085904447019417600_o.jpg\" alt=\"A panoramic view of sunset over Nairobi National Park.\" class=\"wp-image-3554\" /></li></ul>\n\n\n\n<p>All sorts of embeds work, too. <img src=\"https://s.w.org/images/core/emoji/13.0.0/72x72/1f609.png\" alt=\"?\" class=\"wp-smiley\" /></p>\n\n\n\n<div class=\"wp-block-embed__wrapper\">\n<div class=\"jetpack-video-wrapper\"></div>\n</div>\n\n\n\n<p>It’ll be coming in Jetpack 9.0 (due out October 6), but you can try it now in <a href=\"https://jetpack.com/download-jetpack-beta/\">the latest Jetpack Beta</a>! Check it out and tell me what you think. <img src=\"https://s.w.org/images/core/emoji/13.0.0/72x72/1f642.png\" alt=\"?\" class=\"wp-smiley\" /></p>\n\n\n\n<p>This might not fix all of Twitter’s problems, but I hope it’ll help you enjoy reading and writing on Twitter a little more. <img src=\"https://s.w.org/images/core/emoji/13.0.0/72x72/1f496.png\" alt=\"?\" class=\"wp-smiley\" /></p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Tue, 29 Sep 2020 02:33:14 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:4:\"Gary\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:17;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:100:\"WPTavern: Themes Team Releases a Web Fonts Loader, Likely To Prohibit Hotlinking Any Off-Site Assets\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=105363\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:243:\"https://wptavern.com/themes-team-releases-a-web-fonts-loader-likely-to-prohibit-hotlinking-any-off-site-assets?utm_source=rss&utm_medium=rss&utm_campaign=themes-team-releases-a-web-fonts-loader-likely-to-prohibit-hotlinking-any-off-site-assets\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:5815:\"<p class=\"has-drop-cap\">Last Friday, the WordPress Themes Team <a href=\"https://make.wordpress.org/themes/2020/09/25/new-package-to-allow-locally-hosting-webfonts/\">announced the release</a> of its new <a href=\"https://github.com/WPTT/webfont-loader\">Webfonts Loader project</a>. It is a drop-in script that allows theme authors to load web fonts from the user’s site instead of a third-party CDN. The secondary message included in the team’s announcement is that it no longer plans to allow themes to hotlink Google Fonts in the future.</p>\n\n\n\n<p>Throughout most of the team’s history, it has not allowed themes to hotlink or use CDNs for hosting theme assets, such as CSS, JavaScript, and fonts. The one <a href=\"https://make.wordpress.org/themes/handbook/review/required/#stylesheets-and-scripts\">exception to this rule</a> was the use of Google Fonts. This allowed themes to have richer typography options at their disposal from what the team has generally declared a reliable source.</p>\n\n\n\n<p>“The exception was made because there was no practical way to not have the exception at the time,” said Aria Stathopoulos, a Themes Team representative and developer behind the Webfonts Loader project. “The exception for Google Fonts was made out of necessity. Now that there is another way, the exception will not be necessary.”</p>\n\n\n\n<p>In effect, disallowing the Google Fonts CDN would not be a new ban. It would be a removal of an exception to the existing ban.</p>\n\n\n\n<p>Google Fonts has become so embedded into the theme developer toolset over the years, there was no way the team could simply pull the plug and prohibit the use of the CDN overnight. If the Themes Team members wanted to focus more on privacy, they would need to build a tool that made it dead simple for theme authors to use.</p>\n\n\n\n<p>There is no hard deadline for when the team will remove the exception for Google Fonts, and it is not set in stone at this point. Stathopoulos said removing it has been the goal from the beginning, disallowing all CDNs. However, it took a while to find an efficient way to handle this. With a viable alternative in place, they can discuss moving forward.</p>\n\n\n\n<h2>Webfonts Loader for Themes</h2>\n\n\n\n<p class=\"has-drop-cap\">The Webfonts Loader project keeps it simple for theme authors. It introduces a new <code>wptt_get_webfont_styles()</code> function that developers can plug in a stylesheet URL. Once a page is loaded with that function call, it will download the fonts locally to a <code>/fonts</code> folder in the user’s <code>/wp-content</code> directory. This way, fonts will always be served from the user’s site.</p>\n\n\n\n<p>The system is not limited to Google Fonts either. Any URL that serves CSS with an <code>@font-face {}</code> rule will work. It does not currently include authentication for CDNs that require API keys, such as Adobe Fonts. However, that is something the team might add in the future.</p>\n\n\n\n<p>“For end-users, moving away from CDNs and locally hosting web fonts will improve performance (fewer handshake roundtrips for SSL), and is the privacy-conscious choice,” said Stathopoulos. “The only ‘valid privacy concern’ is that the web fonts’ CDN does not disclose information that is fundamental to the GDPR: what information gets logged, for how long these logs remain, how they are processed, if there is any cross-referencing with all the other wealth of information the company has from users, etc. The concern is a lack of disclosure and information. If a site owner doesn’t know what kind of information a third-party logs for its visitors, then they should ethically not enforce that on their visitors. With this package, the CDN is removed from the equation and the font still gets served fast — if not faster.”</p>\n\n\n\n<h2>A Path to Core WordPress</h2>\n\n\n\n<p class=\"has-drop-cap\">Today, there is now a broader focus on privacy concerns related to third-party resources, particularly with tech giants like Google. Such concerns extend to whether third parties are tracking users or collecting data. Additional concerns are around whether sites are disclosing the use of third-party resources, which may be required in some jurisdictions. Site owners who are often unable to work through the web of potential issues are stuck in the middle.</p>\n\n\n\n<p>Jono Alderson opened a ticket to <a href=\"https://core.trac.wordpress.org/ticket/46370\">create an API</a> for loading web fonts locally in core WordPress in February 2019. It is a lengthy and detailed proposal, but it has yet to see much buy-in outside of a handful of developers.</p>\n\n\n\n<p>“If such a script is standardized and included in WordPress core, one of the main benefits would be more respect for the end-user’s privacy,” said Stathopoulos. “In the end, that’s all privacy is about: respecting users.”</p>\n\n\n\n<p>A standard API like Alderson proposes could solve some issues. Namely, it would virtually eliminate any privacy concerns. However, loading fonts locally could allow WordPress to optimize font loading and would create a shared system where plugins and themes do not load duplicate assets because of the current limitations of the enqueuing system. A standard API would also put the responsibility of efficiently loading fonts on WordPress’s shoulders instead of theme and plugin developers.</p>\n\n\n\n<p>The Themes Team’s new project is a solid start and strengthens the current proposal.</p>\n\n\n\n<p>“If we’re serious about WordPress becoming a fast, privacy-friendly platform, we can’t rely on theme developers to add and manage fonts without providing a framework to support them,” wrote Alderson in the ticket.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Mon, 28 Sep 2020 20:58:48 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Justin Tadlock\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:18;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:87:\"WPTavern: Fuxia Scholz First to Pass 100K Reputation Points on WordPress Stack Exchange\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=105282\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:219:\"https://wptavern.com/fuxia-scholz-first-to-pass-100k-reputation-points-on-wordpress-stack-exchange?utm_source=rss&utm_medium=rss&utm_campaign=fuxia-scholz-first-to-pass-100k-reputation-points-on-wordpress-stack-exchange\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:5096:\"<p><a href=\"https://stackexchange.com/users/113787/fuxia\">Fuxia Scholz</a>, a prolific <a href=\"https://wordpress.stackexchange.com/\">WordPress Stack Exchange</a> (WPSE) contributor, is the first member to reach 100,000 reputation points. The popular Q&A community site rewards expert advice by floating the highest quality answers to the top, allowing users to earn reputation points. The gamified help community has proven to be more motivating for developers than many traditional forums, since the upvotes communicate how useful their answers are to others.</p>\n\n\n\n<div class=\"wp-block-image\"><img /></div>\n\n\n\n<p>Scholz started on Stack Overflow a few months before WordPress had its own site. She wrote around 50 answers and made connections with other WordPress developers ahead of the site’s <a href=\"https://area51.stackexchange.com/proposals/1500/wordpress-development\">beta phase in June 2010</a>. Once the site graduated and got its own logo and design, Scholz started writing more.</p>\n\n\n\n<p>“One core idea for all Stack Exchange sites is gamification: You earn reputation, and you get access to <a href=\"https://wordpress.stackexchange.com/help/privileges\">certain privileges</a>,” Scholz said.</p>\n\n\n\n<p>“You can say I got a bit addicted. My favorite questions were about problems for which I didn’t know the answer, and couldn’t find one with a search engine, because no one else had solved that before. I used my answers to teach myself, and I learned a lot this way! In May 2011 <a href=\"https://stackexchange.com/users/113787/fuxia?tab=reputation\">my reputation on WPSE was already higher than on Stack Overflow</a>, and for the next years it went up in a steep curve.” Ten years after WPSE launched, Scholz has become the first to reach 100,000 reputation points.</p>\n\n\n\n<p>“What reputation and karma do is send a message that this is a community with norms, it’s not just a place to type words onto the internet. (That would be 4chan.)” Stack Overflow co-creator Joel Spolsky <a href=\"https://www.joelonsoftware.com/2018/04/13/gamification/\">said</a>. “We don’t really exist for the purpose of letting you exercise your freedom of speech. You can get your freedom of speech somewhere else. Our goal is to get the best answers to questions. All the voting makes it clear that we have standards, that some posts are better than others, and that the community itself has some norms about what’s good and bad that they express through the vote.”</p>\n\n\n\n<p>The reputation points were originally inspired by Reddit Karma. Spolsky admits that the points not a perfect system but they do tend to “drive a tremendous amount of good behavior.” Gamification can shape and encourage certain behaviors but Spolsky said it’s a weak force that cannot motivate people to do things they are not already interested in doing. For Scholz, it was the community aspect and an earned sense of ownership and responsibility that kept her hooked.</p>\n\n\n\n<p>“In 2012, the community elected me as a moderator, and that changed a lot,” she said. “Now it wasn’t just a game anymore, it was a duty. I felt responsible for the site. I still do. I also found some friends on there. We met at WordCamps and in private, and worked together on different projects.”</p>\n\n\n\n<p>Scholz no longer works in development and said she doesn’t care about WordPress anymore, but she is still a regular contributor on the WPSE.</p>\n\n\n\n<p>“I switched careers and work as a writer, translator, and community manager for <a rel=\"noreferrer noopener\" href=\"https://t.co/mIhjlVjPv4?amp=1\" target=\"_blank\">Chess24.com</a> now,” she said. “But I still care about the site WordPress Stack Exchange! I keep an eye on new tags, handle flagged posts and comments, try to make every new user feel welcome, and I search for people who are abusing the system — vote fraud and spam. And, very rarely, I even write an answer, because I still know all this stuff. </p>\n\n\n\n<p>“Checking the site has become a part of my daily routine, like feeding the cat.” </p>\n\n\n\n<p>This daily habit has snowballed into Scholz racking up more than 2,000 answers. She is getting upvotes on many of her old answers nearly every day, which is what pushed her over the 100k milestone.</p>\n\n\n\n<p>“There is a lot to say about the way our site developed over the years,” Scholz said. “I’m not happy about some things. The enthusiasm of the early days is gone. We don’t have enough regulars, there is no discussion about the site on <a href=\"https://t.co/tlRekl6sOt?amp=1\">WordPress Development Meta Stack Exchange</a>, and our chat, once very active, funny, and friendly, is now almost dead. </p>\n\n\n\n<p>“Maybe that’s normal, I don’t know. But it’s still ‘my’ site. Reputation and badges don’t really mean anything for a long time now, but keeping the site working, useful and friendly is more important.”</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Sat, 26 Sep 2020 15:27:03 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Sarah Gooding\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:19;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:82:\"WPTavern: PhotoPress Plugin Seeks to Revolutionize Photography for WordPress Users\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=104770\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:209:\"https://wptavern.com/photopress-plugin-seeks-to-revolutionize-photography-for-wordpress-users?utm_source=rss&utm_medium=rss&utm_campaign=photopress-plugin-seeks-to-revolutionize-photography-for-wordpress-users\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:5638:\"<p class=\"has-drop-cap\">Peter Adams, the owner of the <a href=\"https://wordpress.org/plugins/photopress/\">PhotoPress plugin</a>, announced a couple of weeks ago that <a href=\"https://www.photopressdev.com/its-time-for-photopress/\">now is the time for his project</a> to take center stage. “It’s Time for PhotoPress,” read the title of his post in which he laid out a four-phase plan for the future of his project.</p>\n\n\n\n<p>Adams is no stranger to manipulating WordPress to suit the needs of photographers. He described photography as his first love and second career. He initially found the art of taking photos in high school and set off to college to become a professional photographer in the early ’90s.</p>\n\n\n\n<p>As his university graduation loomed, he was recruited to run web development for an internet ad agency that built websites for Netscape, Bill Clinton’s White House, and dozens of Fortune 500 companies. He spent the next 15 years starting or running tech companies before returning to his roots as a photographer.</p>\n\n\n\n<p>Today, he photographs for various magazines and companies. And, that’s where his PhotoPress project comes in.</p>\n\n\n\n<p>“As far as WordPress has come, it is at risk of losing an entire generation of photographers to photo website services such as Photoshelter, SmugMug, Squarespace, and PhotoFolio,” he said. Adams wants to change that, making WordPress the go-to platform for photographers around the world.</p>\n\n\n\n<h2>The Jetpack of Photography Plugins</h2>\n\n\n\n<p class=\"has-drop-cap\">If you dig into the history of the PhotoPress plugin on WordPress.org, it seems to have a 15-year history. However, this is not the same plugin that was published a decade and a half ago by a different developer. The original plugin is now defunct, and Adams took over when the name was freed up on the directory.</p>\n\n\n\n<p>Adams wrote in his announcement post that WordPress has done a great job of delivering several media features over the years. “Yet despite that, there are still many rough edges and missing features that keep WordPress from being the first choice for a photographer that needs to publish a beautiful portfolio of their work, put their image catalog/archive online, or showcase a photo editorial/project.”</p>\n\n\n\n<p>He outlined a list of 10 specific problem areas that he wants to address in a “Jetpack-like” plugin for photographers. This is the bread and butter of the first of the planned four phases, which he said is about 80% finished. He had originally planned to develop PhotoPress as a series of separate plugins, each addressing a specific problem. Now, it is a single plugin with modules than can be enabled or disabled.</p>\n\n\n\n<p>When asked why the “right time” is now, Adams explained it is because the Gutenberg (block editor) project is a giant leap forward in usability in terms of creating photography blogs.</p>\n\n\n\n<img />PhotoPress Gallery block in the editor.\n\n\n\n<p>“Photogs are a rare breed of non-technical users with high design sense,” he said. “Things that I used to have to teach photographers to do using shortcode syntax and custom CSS can now be simple controls with live feedback inside a Gutenberg block. It’s really a game-changer for getting people comfortable with customizing things like gallery styling — which is the number one thing photographers need to do.”</p>\n\n\n\n<p>The primary piece of the PhotoPress plugin is its custom PhotoPress Gallery block. It allows users to choose between a range of gallery styles, such as columns, masonry, justified, and mosaic. Each style has its own options. Images can also be launched into a slideshow when one is clicked.</p>\n\n\n\n<p>Based on some quick tests, the block’s front-end output will go farther with some themes than others. This is mainly because of conflicting CSS and issues which can be solved by testing against more themes.</p>\n\n\n\n<p>Aside from the block, the plugin can automatically extract image metadata and group that data through custom taxonomies, such as cameras, lenses, locations, keywords, and more. WordPress stores this information out of the box, but it is hidden away as post meta. The plugin uses the taxonomy system to make it manageable for end-users.</p>\n\n\n\n<p>Ultimately, Adams set out to create a photography plugin that fits in with the WordPress admin user interface and experience, which he has accomplished.</p>\n\n\n\n<h2>The Future of PhotoPress</h2>\n\n\n\n<p class=\"has-drop-cap\">The project is still a work in progress. Adams is still moving through Phase I of the four-phase plan. Once it is complete, he can move on to the next steps in the process.</p>\n\n\n\n<p>Phase II is to create themes that are designed specifically to work with the PhotoPress plugin. He has three planned thus far. One for handling portfolio sites. Another for creating a stock photo archive. And the last for photojournalism and exhibits. Each will be built on top of his <a href=\"https://github.com/photopress-dev/frame\">photography theme framework</a>.</p>\n\n\n\n<p>The themes in Phase II will likely be commercial products. Adams said he needs a way to fund the next phases of the project. He hopes to have this step underway by the end of the year.</p>\n\n\n\n<p>For 2021, he wants to begin tackling Phases III and IV. The former will be a website-as-a-service (WaaS) similar to WordPress.com but for photographers. It will begin as a paid project but could have some free options for emerging photographers and students. The final phase is to build an onboarding system.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Fri, 25 Sep 2020 19:08:15 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Justin Tadlock\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:20;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:73:\"WPTavern: Google Officially Releases Its Web Stories for WordPress Plugin\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=105227\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:191:\"https://wptavern.com/google-officially-releases-its-web-stories-for-wordpress-plugin?utm_source=rss&utm_medium=rss&utm_campaign=google-officially-releases-its-web-stories-for-wordpress-plugin\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:5593:\"<img />Web Stories for WordPress dashboard.\n\n\n\n<p class=\"has-drop-cap\">Two and a half months after the <a href=\"https://wptavern.com/google-launches-beta-of-amp-powered-web-stories-plugin-for-wordpress\">launch of its public beta</a>, Google <a href=\"https://blog.google/web-creators/create-compelling-web-stories-wordpress/\">released its Web Stories</a> for WordPress plugin. So far, the plugin has over 10,000 active installations and has garnered a solid five-star rating from four reviews.</p>\n\n\n\n<p>Google created the Web Stories format through its AMP Project to allow publishers to create visually-rich stories. It is primarily geared toward mobile site visitors, allowing them to quickly jump through story pages with small chunks of content.</p>\n\n\n\n<p>The <a href=\"https://wordpress.org/plugins/web-stories/\">Web Stories plugin</a> creates a visual interface within WordPress for creating Stories. It breaks away from the traditional WordPress interface and introduces users to an almost Photoshop-like experience for building out individual Stories. The Stories editor is completely drag-and-drop.</p>\n\n\n\n<p>The plugin also offers eight predesigned templates out of the box that cover a small range of niches. However, according to Google’s announcement, the company plans to add more templates in future updates.</p>\n\n\n\n<h2>Web Stories Are for Storytelling</h2>\n\n\n\n<p>“Firstly…the power of Stories,” wrote Jamie Marsland, founder of Pootlepress, in a <a href=\"https://twitter.com/pootlepress/status/1309020235102597122\">Twitter thread</a>. “Stories are how we (humans) see the world and share our experiences. Up to now the platforms that we have to tell stories have been limited to books/films/tv/websites/blogs/instagram stories etc.”</p>\n\n\n\n<p>“Websites are ok for telling stories but in many ways the format doesn’t really fit the linear arc of storytelling. When Marshall McLuhan said ‘the medium is the message’ in 1964 he was talking about how the medium itself has a social impact, and change the communication itself…and the possibilities for what is communicated and how it is perceived. But we should keep coming back to Stories. Stories are the key here imo. Now we have an open format to tell Stories, and we have an open platform (WordPress) where those Stories can be told easily.”</p>\n\n\n\n<p>Marsland finished his thread by saying that using Stories as a replacement for a brochure or website is a missed opportunity. He said that it was a platform for storytelling and should be used as such.</p>\n\n\n\n<p>It is far too early to tell if Web Stories will simply be a fad or still in wide use years from now. The technology certainly lends itself well to telling stories, particularly in mobile format, but I doubt we have seen the best of what is possible on the web. The format feels too limited to be the end-all-be-all of storytelling. It is merely one medium that will live and die by its popularity with users.</p>\n\n\n\n<p>With the right design skills, some people will craft beautiful Web Stories. And, that is just what Marsland has done with the <a href=\"https://jamiemarsland.staging.wpengine.com/web-stories/wilson-and-pootle/\">first Story he shared</a>:</p>\n\n\n\n<img />Page from the Wilson and Pootle Web Story by Jamie Marsland.\n\n\n\n<p>I agree with his conclusion. Web Stories should be about storytelling. When you move outside of that zone, the technology feels out of place.</p>\n\n\n\n<p>Where I disagree is that websites are not ideal for storytelling. Ultimately, the WordPress block editor will allow artistic end-users to craft intricate stories, mixing content and design in ways that we have not seen. We are just now scratching the surface. I expect our community of developers to build more intricate tools than what the Web Stories plugin currently allows, and we can do so in a way that revolutionizes storytelling on the web.</p>\n\n\n\n<h2>New Features</h2>\n\n\n\n<img />Story editor with Unsplash photo integration.\n\n\n\n<p class=\"has-drop-cap\">The Web Stories plugin now adds support for Unsplash images and Coverr videos out of the box. The plugin adds a new tab with a “media” icon. For users of the first beta version of the plugin, this may be a bit confusing. The previous media icon was for a tab that displayed the user’s media. Now, the user’s media is under the tab with the “upload” icon.</p>\n\n\n\n<p>It is also not immediately clear that the Unsplash images and Coverr videos are not hosted on the site itself. There is a “powered by” notice at the bottom of the tab, but it can be easy to miss because it blends in with the media in the background.</p>\n\n\n\n<p>Media from Unsplash and Coverr is hosted off-site and not downloaded to the user’s WordPress media library. I could find no mention of this in the plugin’s documentation. Such hotlinking was a <a href=\"https://wptavern.com/unsplash-responds-to-image-licensing-concerns-clarifies-reasons-for-hotlinking-and-tracking\">cause for debate</a> over the recent official release of the Unsplash plugin.</p>\n\n\n\n<p>Google also announced it planned to add more “stock media integrations” in the near future. According to a <a href=\"https://docs.google.com/document/d/1q8rkYYMKZh3R2eqkpwgGkx6QX0oSXoLYtIO6ml1BFD0/edit#heading=h.xqcejitqohdk\">document</a> shared via a GitHub <a href=\"https://github.com/google/web-stories-wp/issues/3909#issuecomment-674053068\">ticket</a>, such future integrations may include Google Photos and GIF-sharing site Tenor.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Thu, 24 Sep 2020 21:13:42 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Justin Tadlock\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:21;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:106:\"WPTavern: W3C Drops WordPress from Consideration for Redesign, Narrows CMS Shortlist to Statamic and Craft\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=105108\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:255:\"https://wptavern.com/w3c-drops-wordpress-from-consideration-for-redesign-narrows-cms-shortlist-to-statamic-and-craft?utm_source=rss&utm_medium=rss&utm_campaign=w3c-drops-wordpress-from-consideration-for-redesign-narrows-cms-shortlist-to-statamic-and-craft\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:11563:\"<p>The <a href=\"https://www.w3.org/\">World Wide Web Consortium</a> (<em>W3C</em>), the international standards organization for the web, is redesigning its website and will soon be selecting a new CMS. Although WordPress is already used to manage W3C’s <a href=\"https://www.w3.org/blog/\">blog</a> and <a href=\"https://www.w3.org/blog/news/\">news</a> sections of the website, the organization is open to adopting a new CMS to meet its list of preferences and <a href=\"https://w3c.studio24.net/docs/cms-strategy-and-requirements/\">requirements</a>. </p>\n\n\n\n<p>Studio 24, the digital agency selected for the redesign project, narrowed their consideration to three CMS candidates:</p>\n\n\n\n<ol><li><a href=\"https://w3c.studio24.net/docs/w3c-cms-selection-process-update/#statamic\">Statamic</a></li><li><a href=\"https://w3c.studio24.net/docs/w3c-cms-selection-process-update/#craft-cms\">Craft CMS</a></li><li><a href=\"https://w3c.studio24.net/docs/w3c-cms-selection-process-update/#wordpress\">WordPress</a></li></ol>\n\n\n\n<p>Studio 24 was aiming to finalize their recommendations in July but found that none of them complied with the W3C’s authoring tool <a href=\"https://www.w3.org/WAI/standards-guidelines/atag/\">accessibility guidelines</a>. The CMS’s that were better at compliance with the guidelines were not as well suited to the other project requirements.</p>\n\n\n\n<p>In the most recent project <a href=\"https://w3c.studio24.net/updates/weeknotes-11-sept/\">update</a> posted to the site, Studio 24 reported they have shortlisted two CMS platforms. Coralie Mercier, Head of Marketing and Communications at W3C, confirmed that these include Statamic and Craft CMS.</p>\n\n\n\n<p>WordPress was not submitted to the same review process as the Studio 24 team claims to have extensive experience working with it. In the summary of their concerns, Studio 24 cited Gutenberg, accessibility issues, and the fact that the Classic Editor plugin will <a href=\"https://make.wordpress.org/core/2018/11/07/classic-editor-plugin-support-window/\">stop being officially maintained on December 31st, 2021</a>:</p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>First of all, we have concerns about the longevity of WordPress <strong>as we use it</strong>. WordPress released a new version of their editor in 2018: Gutenberg. We have already rejected the use of Gutenberg in the context of this project due to accessibility issues.</p><p>If we choose to do away with Gutenberg now, we cannot go back to it at a later date. This would amount to starting from scratch with the whole CMS setup and theming.</p><p>Gutenberg is the future of WordPress. The WordPress core development team keeps pushing it forward and wants to roll it out to all areas of the content management system (navigation, sidebar, options etc.) as opposed to limiting its use to the main content editor as is currently the case.</p><p>This means that if we want to use WordPress long term, we will need to circumvent Gutenberg and keep circumventing it for a long time and in more areas of the CMS as time goes by. </p></blockquote>\n\n\n\n<p>Another major factor in the decision to remove WordPress from consideration was that they found “no elegant solution to content localization and translation.”</p>\n\n\n\n<p>Studio 24 also expressed concerns that tools like ACF, Fewbricks, and other plugins might not being maintained for the Classic Editor experience “in the context of a widespread adoption of Gutenberg by users and developers.”</p>\n\n\n\n<p>“More generally, we think this push to expand Gutenberg is an indication of WordPress focusing on the requirements of their non-technical user base as opposed to their audience of web developers building custom solutions for their clients.”</p>\n\n\n\n<p>It seems that the digital agency W3C selected for the project is less optimistic about the future of Gutenberg and may not have reviewed recent improvements to the overall editing experience since 2018, including those related to accessibility. </p>\n\n\n\n<p>Accessibility consultant and WordPress contributor Joe Dolson recently gave an <a href=\"https://www.youtube.com/watch?v=EKZulmYKYJg\">update on Gutenberg accessibility audit</a> at WPCampus 2020 Online. He reported that while there are still challenges remaining, many issues raised in the audit have been addressed across the whole interface and 2/3 of them have been solved. “Overall accessibility of Gutenberg is vastly improved today over what it was at release,” Dolson said.</p>\n\n\n\n<p>Unfortunately, Studio 24 didn’t put WordPress through the same content creation and accessibility tests that it used for Statamic and Craft CMS. This may be because they had already planned to use a Classic Editor implementation and didn’t see the necessity of putting Gutenberg through the paces. </p>\n\n\n\n<p>These <a href=\"https://w3c.studio24.net/docs/w3c-cms-selection-process-update/#the-review-process\">tests</a> involved creating pages with “flexible components” which they referred to as “blocks of layout,” for things like titles, WYSIWYG text input, and videos. It also involved creating a template for news items where all the content input by the user would be displayed (without formatting). </p>\n\n\n\n<p>Gutenberg would lend itself well to these uses cases but was not formally tested with the other candidates, due to the team citing their “extensive experience” with WordPress. I would like to see the W3C team revisit Gutenberg for a fair shake against the proprietary CMS’s. </p>\n\n\n\n<h2>W3C Is Prioritizing Accessibility Over Its Open Source Licensing Preferences</h2>\n\n\n\n<p>The document outlining the CMS requirements for the project states that “W3C has a strong preference for an open-source license for the CMS platform” as well as “a CMS that is long-lived and easy to maintain.” This preference may be due to the economic benefits of using a stable, widely adopted CMS, or it may be inspired by the undeniable symbiosis between open source and open standards.</p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>“The industry has learned by experience that the only software-related standards to fully achieve [their] goals are those which not only permit but encourage open source implementations. Open source implementations are a quality and honesty check for any open standard that might be implemented in software…”</p><cite><a href=\"https://opensource.org/osr-rationale\">Open Source Initiative</a></cite></blockquote>\n\n\n\n<p>WordPress is the only one of the three original candidates to be distributed under an <a href=\"https://opensource.org/licenses\">OSD-compliant license</a>. (CMS code available on GitHub isn’t the same.)</p>\n\n\n\n<p>Using proprietary software to publish the open standards that underpin the web isn’t a good look. While proprietary software makers are certainly capable of implementing open standards, regardless of licensing, there are a myriad of benefits for open standards in the context of open source usage: </p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>“The community of participants working with OSS may promote open debate resulting in an increased recognition of the benefits of various solutions and such debate may accelerate the adoption of solutions that are popular among the OSS participants. These characteristics of OSS support evolution of robust solutions are often a significant boost to the market adoption of open standards, in addition to the customer-driven incentives for interoperability and open standards.”</p><cite><a href=\"http://airccse.org/journal/ijsea/papers/0111ijsea01.pdf\">International Journal of Software Engineering & Applications</a></cite></blockquote>\n\n\n\n<p>Although both Craft CMS and Statamic have their code bases available on GitHub, they share similarly restrictive licensing models. The Craft CMS <a href=\"https://github.com/craftcms/cms/blob/develop/CONTRIBUTING.md\">contributing document</a> states:</p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p><strong>Craft isn’t FOSS</strong><br />Let’s get one thing out of the way: Craft CMS is <strong>proprietary software</strong>. Everything in this repo, including community-contributed code, is the property of Pixel & Tonic.</p><p>That comes with some limitations on what you can do with the code:</p><p>– You can’t change anything related to licensing, purchasing, edition/feature-targeting, or anything else that could mess with our alcohol budget.<br />– You can’t publicly maintain a long-term fork of Craft. There is only One True Craft.</p></blockquote>\n\n\n\n<p>Statamic’s contributing docs have similar restrictions:</p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>Statamic is not Free Open Source Software. It is <strong>proprietary</strong>. Everything in this and our other repos on Github — including community-contributed code — is the property of Wilderborn. For that reason there are a few limitations on how you can use the code:</p></blockquote>\n\n\n\n<p>Projects with this kind of restrictive licensing often fail to attract much contribution or adoption, because the freedoms are not clear. </p>\n\n\n\n<p>In a GitHub issue <a href=\"https://github.com/craftcms/cms/issues/842\">requesting Craft CMS go open source</a>, Craft founder and CEO Brandon Kelly said, “Craft isn’t closed <em>source</em> – all the source code is right here on GitHub,” and claims the license is relatively unrestrictive as far as proprietary software goes, that contributing functions in a similar way to FOSS projects. This rationale is not convincing enough for some developers commenting on the thread.</p>\n\n\n\n<p>“I am a little hesitant to recommend Craft with a custom open source license,” Frank Anderson said. “Even if this was a MIT+ license that added the license and payment, much like React used to have. I am hesitant because the standard open source licenses have been tested.”</p>\n\n\n\n<p>When asked about the licensing concerns of Studio 24 narrowing its candidates to two proprietary software options, Coralie Mercier told me, “we are prioritizing accessibility.” A recent project <a href=\"https://w3c.studio24.net/updates/weeknotes-11-sept/\">update</a> also reports that both CMS suppliers W3C is reviewing “have engaged positively with authoring tool accessibility needs and have made progress in this area.”</p>\n\n\n\n<p>Even if you have cooperative teams at proprietary CMS’s that are working on accessibility improvements as the result of this high profile client, it cannot compare to the massive community of contributors that OSD-compliant licensing enables. </p>\n\n\n\n<p>It’s unfortunate that the state of open source CMS accessibility has forced the organization to narrow its selections to proprietary software options for its first redesign in more than a decade. </p>\n\n\n\n<p>Open standards go hand in hand with open source. There is a mutually beneficial connection between the two that has caused the web to flourish. I don’t see using a proprietary CMS as an extension of W3C values, and it’s not clear how much more benefit to accessibility the proprietary options offer in comparison. W3C may be neutral on licensing debates, but in the spirit of openness, I think the organization should adopt an open source CMS, even if it is not WordPress.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Thu, 24 Sep 2020 20:13:24 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Sarah Gooding\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:22;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:79:\"WPTavern: First Look at Twenty Twenty-One, WordPress’s Upcoming Default Theme\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=105166\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:195:\"https://wptavern.com/first-look-at-twenty-twenty-one-wordpresss-upcoming-default-theme?utm_source=rss&utm_medium=rss&utm_campaign=first-look-at-twenty-twenty-one-wordpresss-upcoming-default-theme\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:6907:\"<blockquote class=\"wp-block-quote\"><p>Fashion is ephemeral. Art is eternal. Indeed what is a fashion really? A fashion is merely a form of ugliness so absolutely unbearable that we have to alter it every six months!</p></blockquote>\n\n\n\n<p>Thus wrote Oscar Wilde on Victorian-era fashion in an article titled “The Philosophy of Dress” for the <em>New-York Tribune</em> in 1885.</p>\n\n\n\n<p>In many ways, WordPress theming is the same as the ever-changing landscape of fashion. Rounded corners are in one day and out the next. Box shadows are in one year after being frowned up just months earlier. Perhaps web design is so intolerable that we must change it every six months. Or, at least freshen it up every year in the case of WordPress.</p>\n\n\n\n<p>If art is eternal, there are only two default, Twenty* themes that I can truly recall from past years: Twenty Ten and Twenty Fourteen — yes, Twenty Twenty is memorable, but it is also still the current default. Twenty Ten was a classic that paid homage to WordPress’s past. Twenty Fourteen was such a leap away from tradition that it is hard to forget. Everything else has seemed to fade to varying degrees.</p>\n\n\n\n<p>With WordPress 5.6 and the end of the year looming, it is time to look forward to the latest trend. As Mel Choyce-Dwan noted in the <a href=\"https://make.wordpress.org/core/2020/09/23/introducing-twenty-twenty-one/\">announcement of Twenty Twenty-One</a>, the next default theme, “<a href=\"https://www.garnishstudios.com/\">Pastels</a> and <a href=\"https://www.designbyparker.com/\">muted</a> <a href=\"https://westportcondos.ca/\">colors</a> are <a href=\"https://arisacoba.com/\">pretty</a> <a href=\"https://www.collaborativechange.global/\">in</a> <a href=\"https://paradigmacreation.com/\">right</a> <a href=\"https://taregrocery.com/\">now</a>.”</p>\n\n\n\n<p>She is not wrong. The colors are a refreshing change of pace. Now that we are into the second day of autumn, I am getting <em>the good kind of vibes</em> from some of the more earthy-tones from a couple of the color palettes expected to ship with the theme.</p>\n\n\n\n<img />Potential color palette options for Twenty Twenty-One.\n\n\n\n<p>Whether Twenty Twenty-One will be a fashionable theme for the year or art that we can remember a decade from now, only history will be able to judge. For now, let’s enjoy the creation and take a look at what we should expect from the next default WordPress theme.</p>\n\n\n\n<h2>The Current Twenty Twenty-One</h2>\n\n\n\n<p class=\"has-drop-cap\">The new default theme is a fork of <a href=\"https://wordpress.org/themes/seedlet/\">Automattic’s Seedlet</a>, a project in which I lauded as the <a href=\"https://wptavern.com/exploring-seedlet-automattics-block-first-wordpress-theme\">next step in the evolution of theming</a>. It is a theme that is focused on WordPress’s future of being completely comprised of blocks. It gives us an ideal insight into where theme development is heading. It makes sense as the foundation for the new default. Few other themes would make for a good starting point right now. With WordPress theme development in flux, Seedlet is simply ahead of the pack in terms of foundational elements.</p>\n\n\n\n<img />Seedlet WordPress theme screenshot.\n\n\n\n<p>“This provides us with a thorough system of nested CSS variables to make child theming easier, and to help integrate with the global styles functionality that’s under development for full-site editing,” wrote Choyce-Dwan of using Seedlet as a starting point.</p>\n\n\n\n<p>There are no plans to spin up a Google Web Font for this theme. The design team is going native and sticking with the default system font stack. Choyce-Dwan listed several reasons for the choice, such as keeping a neutral font that allows broad use, speed, and customizability via a child theme.</p>\n\n\n\n<p>Despite the neutral font, the default pastel green is a fairly opinionated design decision. It will not be used broadly across industries. However, the team plans to create multiple color palettes that will give it more range. Presumably, these palettes can also be overwritten.</p>\n\n\n\n<img />Pastel green color scheme on single post view.\n\n\n\n<p>Other than the colors, the design is relatively simple. Choyce-Dwan said that the theme’s block patterns support is where it will be truly unique.</p>\n\n\n\n<p>I was initially <a href=\"https://wptavern.com/decision-time-what-block-patterns-should-ship-with-wordpress-5-5\">unhappy with the patterns</a> that were going to ship with WordPress 5.5. However, an 11th-hour <a href=\"https://wptavern.com/gutenberg-8-7-adds-minor-changes-updates-block-pattern-designs-and-continues-full-site-editing-work\">update improved the situation</a> so that they did not feel entirely experimental. The foundational Seedlet theme for Twenty Twenty-One has some unique patterns that begin to scratch the surface of what’s possible with this WordPress feature. My hope is that the new default theme steps it up a notch.</p>\n\n\n\n<p>Currently, the theme does not register any custom patterns. However, it has a placeholder file and a note that they are a work in progress. Choyce-Dwan shared some patterns the team has already designed in the announcement.</p>\n\n\n\n<img />Currently-designed block patterns.\n\n\n\n<p>“We’ll be relying on our talented community designers for more ideas,” she wrote. The team has also created a GitHub template for anyone to <a href=\"https://github.com/WordPress/twentytwentyone/issues\">contribute pattern design ideas</a>.</p>\n\n\n\n<p>Currently, the theme does not support the upcoming full-site editing feature of WordPress. After the Beta 1 release of WordPress 5.6, the team plans to begin exploring the addition of this support. WordPress is expected to ship a public beta of full-site editing in its <a href=\"https://make.wordpress.org/core/2020/08/13/wordpress-5-6-release-planning/\">next major release</a>, but it is unclear whether it will be far enough along to be a headline feature for the Twenty Twenty-One theme.</p>\n\n\n\n<p>The team and volunteers have less than a month before the October 20th deadline for committing the new theme to trunk, the core WordPress development branch. At that stage, the theme should be nearly complete and ready for production. Of course, there will be several rounds of patches, bug fixes, and updates before WordPress 5.6 lands in December. Right now is the best time for anyone who wants to get involved with Twenty Twenty-One to do so.</p>\n\n\n\n<p>Useful links with more information:</p>\n\n\n\n<ul><li><a href=\"https://github.com/WordPress/twentytwentyone\">GitHub Repository</a></li><li><a href=\"https://www.figma.com/file/Fv7BODXobfo2prksqRDySy/Introducing-Twenty-Twenty-One?node-id=0%3A1\">Theme Mockups via Figma</a></li><li><a href=\"https://www.pinterest.com/melchoyce/tt1/\">Twenty Twenty-One Idea Pinterest Board</a></li></ul>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Wed, 23 Sep 2020 20:01:14 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Justin Tadlock\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:23;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:37:\"HeroPress: Hello World – Hevo Nyika\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:56:\"https://heropress.com/?post_type=heropress-essays&p=3308\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:176:\"https://heropress.com/essays/hello-world-discovering-the-world-through-wordpress/#utm_source=rss&utm_medium=rss&utm_campaign=hello-world-discovering-the-world-through-wordpress\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:14438:\"<img width=\"960\" height=\"480\" src=\"https://s20094.pcdn.co/wp-content/uploads/2021/09/092220-min.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Pull Quote: Find your purpose, pursue it relentlessly\" /><p><a href=\"https://heropress.com/feed/#shona\"><span class=\"css-901oao css-16my406 r-1qd0xha r-ad9z0x r-bcqeeo r-qvutc0\">Unokwanisa kuverenga rondedzero iyi muChiShona</span></a></p>\n<p>So I chose a career in Web Development!!</p>\n<p>To be honest it’s kind of funny when I think about it and quite surreal to be here talking about my story. It has been a journey and I would like to share my story with you.</p>\n<p>I have been lucky in the Dad department. My Dad encouraged me to work hard and dream big from a very young age. I remember occasionally having ‘when I grow up’ talks.</p>\n<p>For quite some time I wanted to be a Judge, however awesome this dream sounds it was not very inspired. After binge-watching Judge Judy for a whole weekend, I started calling myself Judge Thelma. Though I don’t remember much of this my sister says that I used to say I would arrest all the men in the World if I ever became a Judge. HAHAHA! (clearly I didn’t understand how the World works)</p>\n<p>I did not understand what being a Judge meant or what was required for me to start banging that gavel to my heart’s desire. Eventually, I learnt that I had to become a lawyer first then magistrate before I could be nominated to be a Judge and let us just say that is how I sentenced that dream to a lifetime down the drain.</p>\n<p>See what I did there? hahaha!</p>\n<a href=\"https://s20094.pcdn.co/wp-content/uploads/2021/09/tandd-min.jpg\"><img /></a>With Daddy Dearest\n<p>A few years later, I was in High School and that is when I decided to pursue a career in Computer Science. I did not know what I would be doing or how I would get there but I just knew that I was going to pursue a career in ICT. I wrote my first line of code when I was 16 years old.</p>\n<p>This was after I had joined the school’s computer class, initially, I thought I would be learning about Excel Sheets and Word Documents until I was assigned to write my first program in C (talk about a double-take!!). It was not easy but it was very exciting, l remember writing up simple code for a Video Club – a simple check-in/out for VHS tapes and CDs. Dear World, thus began my fascination with computers.</p>\n<p>Seven years later, I was now in university studying ICT as I had always wanted. I was doing a Bachelors in Business Management & Information Technology. In my third year, I was interning at a local Webdesign and hosting company. This was never my plan, I only took on that job after I had failed to get a job with local banks or telecommunications companies. Before I was introduced to Website Design I envisioned myself suiting up and working in IT Audit or offering IT support. Even though things did not go as I had planned, I am glad they did not exactly go my way in that aspect. So in 2017, I was designing websites using HTML, CSS, PHP, JavaScripts and Joomla which was the prefered content management system at that company. I knew about WordPress but I was not using it for anything. People have this misconception that WordPress is not for real developers and it is not secure and at that time I was one of those people.</p>\n<h3>Finding my tribe</h3>\n<p>One day when I was working at the front desk <a href=\"https://heropress.com/essays/wordpress-opened-whole-new-world/\">Thabo Tswana</a> came to give a colleague of mine a purple WooCommerce pen. I did not know what WooCommerce was at that time but I was taken by the purple shirt and pen he was carrying. I asked him about it and he explained what WooCommerce was and that what he was carrying was called ‘swag’. So the love of freebies led me to the WordCamp Harare website, instead of buying a ticket I applied to volunteer. I learnt more about WordPress, I was a volunteer, without any knowledge on WordPress.org or WordPress.com. I only started using WordPress because of the awesome people that l had met at that Wordcamp.</p>\n<p>Everyone was so welcoming, a week later with help from Thabo I designed my first ever WP website.</p>\n<p>Soon after I was part of the community and a bit more involved in the meetups. We had our first-ever Women Who WordPress meetup in 2018. So many ladies came on board bloggers and developers alike. We were free to talk and discuss a lot of things. We had more time to discuss the difference between WordPress.com and WordPress.org we shared views on how to handle discrimination at work, how to promote your website and a whole lot of other things.</p>\n<p><a href=\"https://s20094.pcdn.co/wp-content/uploads/2021/09/20180324_105352-min.jpg\"><img /></a></p>\n<h3>Establishing roots</h3>\n<p>In 2018, Harare had its first-ever female Lead Organiser <a href=\"https://tapiwanashe.com/\">Tapiwanashe Manhobo</a> whoop whoop! I was also part of the organising team that year, I was assigned to handle Harare’s first Kids Camp. The planning process was stressful because the economic crisis in Zimbabwe was getting worse, luckily we had over 8 months to plan and with help from sponsors, we managed to pull through. In the end, everything turned out great. I wrote an article about the <a href=\"https://thelmachido.wordpress.com/2019/11/21/wordpress-juniours-first-edition/\">Kids Camp here</a>.</p>\n<p>After the first Kids Camp, we had several WordPressors that were enthusiasts about encouraging kids to embrace ICT. In 2019 we had not planned to have a Kids Camp because of financial constraints but to our surprise, we had some anonymous donations and we managed to have a WordPress Community outreach to a youth centre a week after our WordCamp. We had the outreach at the <a href=\"https://cttzim.org/\">Centre for Total Transformation</a> which is a non-formal school that caters for underprivileged and vulnerable children. We taught them about WordPress, Computer Hardware and Software.</p>\n<p>Here is a small video I took with Ellen when we were about to leave. Did l mention that I am terrible on camera? hahaha!</p>\n<div class=\"wp-video\"><a href=\"https://thelmachido.me/vid.mp4\">https://thelmachido.me/vid.mp4</a></div>\n<p><a href=\"https://thelmachido.wordpress.com/2020/09/18/kids-camp-2019-centre-for-total-transformation/\">Kids Camp 2019 – Centre for Total Transformation</a></p>\n<p>I have fallen deeply for WordPress because of the Community, I enjoy attending WordCamps, meeting new people and just learning new stuff. I have a huge list of WordCamps I need to attend before l kick the bucket, hopefully. Last year I managed to cross WordCamp</p>\n<p>Johannesburg off my bucket list. This year I was going to attend WordCamp Capetown but unfortunately, 2020 had other plans for the whole world. Anyway when everything is back to normal my plan to travel to WordCamps will proceed. (fingers crossed)</p>\n<h3>Reaping Fruits</h3>\n<p>Meanwhile, my plan to improve my developing skills has not been on hold. Even though I can still cook up code in C and Java, for now, I have also included WordPress PHP functions to the mix. It was not easy to get to this point, daring myself got me to this slightly better stage. My IQ is not way up there, however, I try to do my best where I can and I am happy to say it has paid off so far.</p>\n<p>Around November last year, I was designing as a freelancer while job hunting. Out of the blue l got a call for a job offer from <a href=\"https://zw.linkedin.com/in/trust-nhokovedzo\">Trust Nhokovenzo</a> who is big on <a href=\"https://afrodigital.org/\">Digital marketing</a> and also part of the WordPress Community. He had asked someone in the community about developers and my name happened to come up. So since February, I have been part of his team at <a href=\"https://calmlock.co.zw/\">Calmlock Digital Marketing Agency</a>.</p>\n<p>There is so much more in the world of WordPress that l am yet to tap into so even though I am ending my write up here, for now, my story is going to continue …</p>\n<p>Until next time…</p>\n<h1 id=\"shona\">Hevo Nyika</h1>\n<p>Saka ini ndakasarudza kugadzira mawebhusayiti.</p>\n<p>Ndakaita rombo rakanaka pana baba vandakapihwa naMwari. Baba vangu vaindikurudzira kuti ndishande nesimba. Ndinoyeuka pano neapo tichiita hurukuro dzedu dzekuti ‘kana ndakura ndoda kuveyi’.</p>\n<p>Kwenguva yakati rebei ndaida kuve Mutongi. Kunyangwe ini ndisingazvirangariri mukoma wangu anotaura kuti ndaiti ndaizosunga varume vese vari pasi rino kana ndikangoita mutongi HAHAHA zveshuwa handaiziva kuti mitemo yenyika inofambiswa seyi.<br />\nNdanga ndisinga nzwisisi kuti kuva mutongi kwairevei kana zvaidikanwa kwandiri kuti nditange kurova iro ghavheu kuchishuwo chemoyo wangu. Pakupedzisira, ndakadzidza kuti ndaifanirwa kuzoita gweta ipapo magistrate ndisati ndasarudzwa kuita Mutongi naizvozvo ndokupera kwakaita chiroto chekuva Mutongi.</p>\n<a href=\"https://s20094.pcdn.co/wp-content/uploads/2021/09/tandd-min-1.jpg\"><img /></a>Na Baba Vangu\n<p>Gare gare papfura makore mashoma pandakanga ndave kuHigh School ndakanga ndakuda kuita basa rema kombiyuta. Ndakanyora mutsara wekutanga wekodhi pandaive nemakore gumi nematanhatu. Izvi zvakaitika mushure mekunge ndapinda mukirasi yemakombiyuta, pakutanga ndaifunga kuti ndinenge ndichidzidza nezveExcel Sheets neWord zvisineyi ndakaona ndakunyora kodhi yangu yekutanga muC. Zvaisave nyore kunyora kodhi asi zvainakidza kwazvo, ndorangarira ndichinyora kodhi yeVhidhiyo Kirabhu.</p>\n<p>Makore manomwe apfura, ndakanga ndava kuyunivhesiti ndichidzidza ICT zvandakagara ndakaronga. Ndaiita Bachelors muBusiness Management & Information Technology. Mugore rangu rechitatu ndainge ndave kushanda kune imwe kambani yaita zvekugadzira mawebhusaiti. Ndakawana basa iri mushure mekunge ndatadza kuwana basa kumabhanga. Kunyangwe hazvo zvinhu zvisina kuenda sezvandaive ndakaronga, ndinofara kuti hazvina kunyatso enda nenzira yangu. Saka muna 2017 ndaigadzira mawebhusaiti ndichishandisa HTML, CSS, PHP, JavaScript uye Joomla iyo yaive iyo inokurudzirwa kukambani kwandaive. Panguva iyi ndaiziva nezve WordPress asi ndakanga ndisingaishandisi.</p>\n<h3>Kuwanana neWordPress</h3>\n<p>Rimwe zuva pandakanga ndichishanda ndakaona <a href=\"https://heropress.com/essays/wordpress-opened-whole-new-world/\">Thabo Tswana</a> akauya kuzopa mumwe mukomana wandayishanda naye chinyoreso cheWooCommerce. Ndakanga ndisingazive kuti WooCommerce yaive chii asi ndakafarira chinyoreso nehembe ye WooCommerce yaanga akapfeka. Ndakamubvunza nezvazvo akatsanangura kuti WooCommerce yaive chii. Saka nekudawo zvakanaka, zvemahara ndakaenda pawebhusaiti yeWordCamp Harare ndikabata zvimbo zvegore iroro. Ndakazvipira kubatsirawo vamwe vekuWordPress kuWordCamp Harare. Nerubatsiro kubva kunaThabo ndakagadzira webhusaiti yangu yekutanga yeWordPress vhiki rakatevera .</p>\n<p>Mushure mekunge ndaitawo chipato cheavo vanoshandisa WordPress ndakanga ndakuenda kumisangano yeWordPress yaitwa muHarare. Takaita musangano wevakadzi chete muna 2018. Vakadzi vazhinji vakauya kumusangano uyu. Tainga takasununguka kukurukura zvinhu zvakawanda. Takakurukura pamusoro pemutsauko uripo pakati peWordPress.com neWordPress.org takagovana maonero ekugadzirisa rusarura kubasa nezvimwewo.</p>\n<p><a href=\"https://s20094.pcdn.co/wp-content/uploads/2021/09/20180324_105352-min.jpg\"><img /></a></p>\n<h3>Nguva yandakatanga kushandisa WordPress</h3>\n<p>Muna 2018, kurongwa kweWordCamp Harare kwakatungamirwa kekutanga nemusikana ainzi <a href=\"https://tapiwanashe.com/\">Tapiwanashe Manhobo</a> (waiva mufaro mukuru). Ndakanga ndiri mumwe wevairongawo naye. Hurongwa hwekuronga WordCamp Harare mugore iri hwainetsa pamusaka pekuoma kwehupfumi wemuZimbabwe, zvisineyi takaita rombo rakanaka nokuti takawana rubatsiro kubva kunevamwewo vanhu vakatiwedzera mari. Pakupedzisira, zvese zvakabudirira zvakanaka. Takarongawo WordCamp yevana varipasi pemakore gumi nechishanu, munokwanisa kuverenga pamusoro pezuva iri <a href=\"https://thelmachido.wordpress.com/2019/11/21/wordpress-juniours-first-edition/\">pawebhisaiti yangu apa</a>.</p>\n<p>Mushure mekuita WordCamp yevana, takave nevamwe vanhu veWordPress aifarira kukurudzira vana kuti vagamuchire ICT. Muna 2019 takanga tisina kuronga kuve neWordCamo yeVana nekuda kwezvimhingamupinyi zvemari asi chakatishamisa ndechekuti takawana mari kubvawo kune vamwe. Takaita Camp iyi pa<a href=\"https://cttzim.org/\">Centre for Total Transformation</a> chinova chikoro chisiri chepamutemo chinodzidzisa vana vanotambura. Tadzidzisa vana ava pamusoro peWordPress, Computer Hardware uye Software.</p>\n<div class=\"wp-video\"><a href=\"https://thelmachido.me/vid.mp4\">https://thelmachido.me/vid.mp4</a></div>\n<p>Ndofarira WordPress zvakanyanya nekuda kweavo varimu nharaunda yacho, ini ndinonakidzwa nekuenda kumaWordCampi, kusangana nevanhu vatsva uye kungo dzidza zvinhu zvitsva. Gore rakapera ndakakwanisa kuyambuka muganhu weZimbabwe ndichienda kuWordCamp Johannesburg, dai pasina kuti 2020 nyika dzepasi rino dzakawirwa nedenda reCOVID 19 zvimwe ndingadayi ndakaenda kuWordCamp Capetown. Zvisinei hazvo kana denda ranani zvimwe ndichakwanisa kufamba ndichienda kumaWordCamp edzimwe nyika.</p>\n<h3>Kukowa zvandakadyara</h3>\n<p>Zvichakadaro, chirongwa changu chekuvandudza hunyanzvi hwangu hachina kumira. Kunyangwe ini ndichiri kukwanisa kubika kodhi muC uye Java, ikozvino, ndasanganisirawo WordPress PHP. Zvaive zvisiri nyore kusvika apa, zvakatora kuzvishingisa nekushanda nesimba. Ndinofara mwari aiva neni pamufambo wangu uyu.</p>\n<p>Muna Mbudzi gore rakapera, ndaive ndichigadzira mawebhusayiti apo nditsvaga basa. Pasina nguva ndakataura na<a href=\"https://zw.linkedin.com/in/trust-nhokovedzo\">Trust Nhokovenzo</a> uyo akaandipa basa mukambani yake, kambani iyi inonzi <a href=\"https://calmlock.co.zw/\">Calmlock Digital Marketing Agency</a>.</p>\n<p>Pane zvimwe zvakawanda kuWordPress zvandisati ndapinda mazviri. Nhaizvozvo kunyangwe ndiri kupedzisa kunyora kwangu apa, nyaya yehupenyu wangu ichaenderera mberi…</p>\n<p>Kusvikira nguva inotevera …</p>\n<p><strong>…. tsvaga chinangwa chako, chiite mushe mushe ..</strong></p>\n<p>The post <a rel=\"nofollow\" href=\"https://heropress.com/essays/hello-world-discovering-the-world-through-wordpress/\">Hello World – Hevo Nyika</a> appeared first on <a rel=\"nofollow\" href=\"https://heropress.com\">HeroPress</a>.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Wed, 23 Sep 2020 06:00:10 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Thelma Mutete\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:24;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:102:\"WPTavern: WordPress Contributors Debate Dashboard Notice for Upcoming Facebook oEmbed Provider Removal\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=105132\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:249:\"https://wptavern.com/wordpress-contributors-debate-dashboard-notice-for-upcoming-facebook-oembed-provider-removal?utm_source=rss&utm_medium=rss&utm_campaign=wordpress-contributors-debate-dashboard-notice-for-upcoming-facebook-oembed-provider-removal\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:5885:\"<p>WordPress contributors are discussing different strategies for responding to Facebook and Instagram <a href=\"https://wptavern.com/upcoming-api-change-will-break-facebook-and-instagram-oembed-links-across-the-web-beginning-october-24\">dropping unauthenticated oEmbed support</a> on October 24. WordPress will be removing both Facebook and Instagram as oEmbed providers. When a user attempts to embed content by pasting a URL as they have in the past, they may not understand why it no longer works. They may assume that WordPress broke embeds, causing an increase in the support burden for this change.</p>\n\n\n\n<p>A few participants on the <a href=\"https://core.trac.wordpress.org/ticket/50861\">trac ticket</a> for this issue have suggested WordPress detect users who will be impacted and attempt to warn them with a notice.</p>\n\n\n\n<p>“Since this may impact users unknowingly, it is possible to push a dashboard notice to users who have Facebook/Instagram embeds in their content, showing for site admins, as a one-off that can be dismissed,” Marius Jensen said.</p>\n\n\n\n<p>“We’ve previously done post-update-processing to clean up comments, so the idea of looking over content for an embed isn’t completely outlandish, and would help with those who don’t follow WordPress’ usual channels to learn of this.”</p>\n\n\n\n<p>Others don’t see the necessity. “Why should we make exception here?” Milan Dinić said. “It’s not the first time oEmbed support was discontinued for a provider, and I don’t remember anything specific was done then.”</p>\n\n\n\n<p>There is still some uncertainty about what will happen with existing oEmbeds after Facebook updates its API. During a recent core developer meeting, Helen Helen Hou-Sandí confirmed that WordPress does not clear oEmbed caches regularly. “Technically oEmbed caches are cleared if you save and a valid response is returned, we do not do cron-based garbage collection,” Hou-Sandí said.</p>\n\n\n\n<p>In a post today on the core development blog, Jake Spurlock assured users and developers that the existing embeds added before Facebook’s API change should still work:</p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>Because oEmbed responses are cached in the database using the hidden <code>oembed_cache</code> post type, any embed added prior to the October 24th deadline will be preserved past the deprecation date. These posts are not purged by default in WordPress Core, so the contents of the embed will persist unless manually deleted.</p></blockquote>\n\n\n\n<p>Marius Jensen cautioned that there is still the possibility that existing embeds may not work going, depending on what Facebook does.</p>\n\n\n\n<p>“We don’t know how they plan on implementing the use of unauthorized embed attempts,” Jensen said. “It could not return an embed code and your link would remain a plain link, or maybe they decide to return some kind of embedded ‘unauthorized’ content. I don’t think anyone has heard any specifics on how Facebook plans on doing this, so we’re all just kinda waiting to either hear more, or see what happens.”</p>\n\n\n\n<p>Jensen said WordPress doesn’t re-check the cached results except when something changes with the post, but there may be plugins that clean up temporary data that may create an unpredictable outcome.</p>\n\n\n\n<p>“The reliability of the caches are hard to determine (and being caches, it’s sort of in the term that it’s not guaranteed to always be there, but rather fetched and saved for a while when needed),” Jensen said.</p>\n\n\n\n<p>Ideally WordPress’ oEmbed caches will prevent millions of embeds from breaking, but it’s still unknown how Facebook and third party plugins could change things.</p>\n\n\n\n<p>Coming off a rocky 5.5 core update that deprecated jQuery Migrate and flooded official support forums with <a href=\"https://wordpress.org/search/5.5?in=support_forums\">reports of broken sites</a>, some contributors are wary of having another situation where users are left in the dark.</p>\n\n\n\n<p>“I think a dashboard notice is desirable,” Jon Brown said. “Otherwise we’re not preemptively warning people in a way they can prepare and transition to another solution. We’re letting them know the same instant it’s going to break (when editing a specific post). I don’t think we can safely assume cached data is going to persist forever either, plenty of routines out there purge transient data before its stated expiration date.</p>\n\n\n\n<p>“I see this as potentially being similar to the problems seen in dropping JQM. It’ll cause <em>avoidable and silent breakage</em> client side without even any error logging for a site developer to pick up on. In hindsight, what ideally would have happened with JQM would have been incorporating the detection code from Enable jQuery Migrate Helper into core temporarily, or simply installing that plugin automatically on behalf of users.”</p>\n\n\n\n<p>Brown suggested WordPress detect calls to the cached embeds and warn users before the calls have the chance to fail so they can consider enabling a plugin to keep their embeds working more reliably.</p>\n\n\n\n<p>The discussion remains open in the make.wordpress.org/core <a href=\"https://make.wordpress.org/core/2020/09/22/facebook-and-instagram-embeds-to-be-deprecated-october-24th/\">post</a> and the corresponding <a href=\"https://core.trac.wordpress.org/ticket/50861\">trac ticket</a>. Spurlock said WordPress will likely remove Facebook and Instagram oEmbed providers in the upcoming 5.6 release (scheduled for December 8) but it could also be shipped in a 5.x minor release that happens after October 24. </p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Wed, 23 Sep 2020 04:28:56 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Sarah Gooding\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:25;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:65:\"WPTavern: Gutenberg Hub Launches Landing Page Templates Directory\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=105009\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:175:\"https://wptavern.com/gutenberg-hub-launches-landing-page-templates-directory?utm_source=rss&utm_medium=rss&utm_campaign=gutenberg-hub-launches-landing-page-templates-directory\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:7657:\"<img />\n\n\n\n<p class=\"has-drop-cap\">Munir Kamal has created <a href=\"https://wptavern.com/copy-and-paste-editor-blocks-via-gutenberghubs-block-library\">copy-and-paste blocks</a>. He has built <a href=\"https://wptavern.com/gutenberg-hub-launches-collection-of-100-block-templates\">sections or “patterns”</a> from those blocks. He has created a plugin that allows users to completely customize the two features via block options. Yesterday, he <a href=\"https://gutenberghub.com/introducing-gutenberg-landing-page-templates/\">released an initial offering</a> of 22 landing page templates that build upon his earlier work.</p>\n\n\n\n<p>Gutenberg Hub can almost be called his <em>magnum opus</em>, at least at this stage of his career. It is a continually growing library of free tools for WordPress’s block editor.</p>\n\n\n\n<p>Like previous projects, Gutenberg Hub’s landing templates require the <a href=\"https://wptavern.com/control-block-design-via-the-editorplus-wordpress-plugin\">EditorPlus plugin</a>. This plugin is essentially a suite of design controls for the core WordPress blocks. The templates make use of these options by default. Given the limitations of the block editor’s current design controls, the use of such a plugin is necessary. Otherwise, there would be few other ways to realistically create a template system like this.</p>\n\n\n\n<p>Currently, users must copy the block code — via a convenient “copy” button — from the Gutenberg Hub website and then paste it in the editor. It is not an ideal situation, and I have been asking Kamal whether he would consider building a template inserter for months now.</p>\n\n\n\n<p>This time around, he preemptively said, “And, by the way, I am already working on adding a Template Inserter in my EditorPlus plugin. That will allow users to browse and insert these templates directly from Gutenberg without leaving the website.”</p>\n\n\n\n<p>He knew the question was coming. No need for me to ask again. He was unable to share a current screenshot of what the inserter looks like, but he is asking for feedback on what people expect of the user experience and interface.</p>\n\n\n\n<p>“Earlier, I created a template inserter similar to other blocks plugins, but later I changed my mind and thought that I should integrate with the Gutenberg Patterns API and load the templates into the ‘patterns’ panel in the block inserter,” he said. “But, I am having a few issues and thinking about going back to the original idea to have a Templates button on the top toolbar that opens a popup window to browse and filter templates that users can insert on a click.”</p>\n\n\n\n<p>For now, it is still early. However, at least it is on the long-term roadmap and being worked on.</p>\n\n\n\n<h2>The Landing Page Templates</h2>\n\n\n\n<img />Testing the photography template (with minor adjustments).\n\n\n\n<p class=\"has-drop-cap\">At the moment, Gutenberg Hub offers <a href=\"https://gutenberghub.com/template-category/pages/\">22 landing page templates</a>. The “page” terminology may not mean “full page.” It simply depends on the active theme. Some themes have an open-canvas type of template that allows users to create the entire page via the editor. However, that is not a common feature, so these page templates will be confined to the post content area in most cases.</p>\n\n\n\n<p>The templates also work better with themes that have at least a full-width or no-sidebar option. End-users will want a lot of breathing room to use the templates and tinker with their designs.</p>\n\n\n\n<p>Kamal has built templates that stretch across a variety of industries. From restaurants to gyms to education to fashion, there is a lot to choose from right now. He promises more are on the way and at least a 23rd template in the next few days.</p>\n\n\n\n<p>“For the niches, I did some research from the top WordPress and HTML marketplaces and found the following most common or popular niches,” he said. “I think I will stick with these niches unless I get some more recommendations.”</p>\n\n\n\n<p>In comparison, <a href=\"https://wptavern.com/redux-framework-relaunches-focuses-efforts-on-gutenberg-templates\">Redux Templates</a> offers access to over 1,000 sections and templates. Of course, there are trade-offs, such as some of those being commercial and the plugin typically requiring other third-party plugins. While quantity is not the only thing to look at, it proves there are miles of landscape that Gutenberg Hub’s templates have not yet explored. But, it is merely the beginning.</p>\n\n\n\n<p>Gutenberg Hub’s full-page templates are not quite as plug-and-play as its blocks and section templates. This is not so much a fault from the developer’s end. It is an issue of the platform, which is constantly being updated, and the range of support from current themes. End-users will start seeing some of the current limitations of the system when a layout does not quite look right with one theme but does with another. Or, if their theme has not been updated to support a new feature, such as the Social Links block, the typical horizontal menu design will likely be a normal vertical list of links instead.</p>\n\n\n\n<p>These are not insurmountable issues. Gutenberg and themes need more time to mature before projects like Gutenberg Hub’s landing templates are perfect or at least as close to perfect as can be expected.</p>\n\n\n\n<p>There are some things that Gutenberg Hub could improve with its templates. With several that I tested, I needed to switch specific blocks to be full width. This should be set up as the default with templates that are clearly meant to be full width in the example screenshots available on the site. It is a minor issue, but correcting this in the editor fixed several layout issues I was having when using the templates.</p>\n\n\n\n<h2>Monetization Plans</h2>\n\n\n\n<p class=\"has-drop-cap\">The second question that Kamal has not been prepared to answer fully over the past several months is how he will monetize Gutenberg Hub. Eventually, developers need some return on their investment when building tons of free tools. Many would do it all for free as long as their bills somehow got paid, but the reality is that there will come a tipping point where their projects need funding for long-haul maintenance.</p>\n\n\n\n<p>Kamal said he has laid the groundwork for funding but has not finalized anything yet. Currently, he is working on three ideas:</p>\n\n\n\n<ul><li>Creating a pro version of his EditorPlus plugin.</li><li>Offering premium templates and blocks but is looking for a talented designer to work with.</li><li>Using ads specific to Gutenberg users, but he is not a fan of going this route or ads in general.</li></ul>\n\n\n\n<p>He is open to feedback on how to best monetize the website and its projects. However, he said he is unwilling to compromise on giving away current and future free templates and tools.</p>\n\n\n\n<h2>Future Gutenberg Projects</h2>\n\n\n\n<p class=\"has-drop-cap\">Kamal said he does not have any new Gutenberg-related projects in the pipeline. The current plan is to work on what he has already created, which is a large ecosystem of Gutenberg tools that somehow work together.</p>\n\n\n\n<p>Outside of blocks, templates, and plugins, he is beginning to write more free tutorials on the Gutenberg Hub blog and focusing on <a href=\"https://www.youtube.com/GutenbergHub\">creating videos</a> around the project, including a new tutorial <a href=\"https://www.youtube.com/playlist?list=PLfVnkTCddAJ2HMmjw1o12XP7TAEoOV5oE\">series for beginners</a>.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Tue, 22 Sep 2020 21:05:19 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Justin Tadlock\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:26;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:97:\"WPTavern: WordPress Mobile Engineers Propose Dual Licensing Gutenberg under GPL v2.0 and MPL v2.0\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=105025\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:239:\"https://wptavern.com/wordpress-mobile-engineers-propose-dual-licensing-gutenberg-under-gpl-v2-0-and-mpl-v2-0?utm_source=rss&utm_medium=rss&utm_campaign=wordpress-mobile-engineers-propose-dual-licensing-gutenberg-under-gpl-v2-0-and-mpl-v2-0\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:6556:\"<p>During a Q&A session at WordCamp Europe 2020 online, Matt Mullenweg mentioned that Gutenberg contributors were considering dual licensing for embedding Gutenberg in mobile apps, along with the requirement that they would need to get an agreement from all contributors. WordPress mobile engineer <a href=\"https://bia.is/\">Maxime Biais</a> has just published a <a href=\"https://make.wordpress.org/core/2020/09/21/proposal-dual-licensing-gutenberg-under-gpl-v2-0-and-mpl-v2-0/\">proposal</a> for discussion, recommending dual licensing the editor under GPL v2.0 and MPL v2.0.</p>\n\n\n\n<p>“The GPL v2.0 license is a blocker for distributing the Gutenberg library in proprietary mobile apps,” Biais said in the corresponding <a href=\"https://github.com/WordPress/gutenberg/issues/23651\">GitHub issue</a>. “Currently the only known users of Gutenberg on mobile are the WordPress mobile apps which are under GPL v2.0 (<a href=\"https://github.com/wordpress-mobile/WordPress-Android\">WordPress for Android</a>, <a href=\"https://github.com/wordpress-mobile/WordPress-iOS\">WordPress for iOS</a>). Mobile apps under the GPL v2.0 are not common and this limits Gutenberg usage in many apps.</p>\n\n\n\n<p>“Rich text editor libraries in the mobile space are lacking. There is no well known open source rich text editor for Android or iOS. We believe that Gutenberg could be a key library for many mobile apps, but that will never happen with the GPL v2.”</p>\n\n\n\n<p>Mobile app developers are limited by the GPL, because it requires the entire app to be distributed under the same license. The team is proposing dual licensing under MPL v2.0, a weaker copyleft license that is often considered to be more “business-friendly.” It allows users to combine the software with proprietary code. MPL v2.0 requires the source code for any changes to be available under the MPL, ensuring improvements are shared back to the community. The rest of the app can be distributed under any terms with the MPL v2.0 code included as part of a “larger work.”</p>\n\n\n\n<p>“The idea here is to keep some of the WordPress-specific modules under the GPL v2.0 only; some of them are not needed and not relevant for using Gutenberg in another software. Ideally, there would be a different way of bundling the project for being used in WordPress or in a non-GPL software,” Biais said.</p>\n\n\n\n<p>The GitHub ticket has several comments from developers who hope to be able to use the editor in their own projects. Radek Pietruszewski, tech lead for a collaborative todo app called <a href=\"https://nozbe.com/\">Nozbe Teams</a>, has been requesting a relicensing of Gutenberg since October 2019.</p>\n\n\n\n<p>“Our tech stack is essentially React on web and React Native on iOS and Android,” Pietruszewski said. “We’re a tiny company, and so we share >80% of app’s codebase between these 3 platforms.</p>\n\n\n\n<p>“Our app sorely lacks a WYSIWYG editor. We had a working implementation on web, but we decided to scrap it, because there was no way to port it on iOS and Android. There are pretty much no viable rich text editors for iOS or Android, yet alone both. But even then, shipping three completely separate, but somehow compatible editors would be a vast amount of work.”</p>\n\n\n\n<p>When Peitruszewski originally made his case to the mobile team, he identified Gutenberg/Aztec as a basic infrastructure that has the potential to enable many different apps:</p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>And that infrastructure is sorely lacking. There are very few rich text editor libraries on both iOS and Android — and most of them suck. And if you want an editor that has a shared API for both platforms… you’re stuck. There are no options – Gutenberg is the only game in town (and it’s really good).</p><p>And it’s very hard to create this infrastructure. WYSIWYG editors are very hard, and it takes entire teams years to develop them (and they still usually suck). Almost no-one has the resources to develop it just for themselves, and if they do, they’re unwilling to open-source it.</p></blockquote>\n\n\n\n<p>Automattic’s mobile app engineers have <a href=\"https://twitter.com/danroundhill/status/1296941098393190401\">struggled to get regular contributions to the apps</a>, despite them being open source. Dual licensing Gutenberg could open up a new world of contributors with the editor being used more widely across the industry.</p>\n\n\n\n<p>“While we might not be big enough to be able to tackle a challenge of developing a rich text editor from scratch, we’re big enough to contribute features and bug fixes to open source projects,” Pietruszewski said.</p>\n\n\n\n<p>Matt Mullenweg was the first comment on Biais’ post in favor of the change: </p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>I think Gutenberg has a chance to become a cross-CMS standard, giving users a familiar interface any place they currently have a rich text box. There are hundreds and hundreds of engineers at other companies solving similar problems in a proprietary way, it would be amazing to get them working together but a huge barrier now is supporting Gutenberg in mobile apps, which every modern web service or CMS has. (Hypothetically, think of Mailchimp as a possible consumer and collaborator here, but it could be any company, SaaS, or other open source CMS.)</p></blockquote>\n\n\n\n<p>Unless any major blockers come up in further discussion, this dual licensing change appears to be on track to move forward. Biais noted that a <a href=\"https://github.com/wordpress-mobile/AztecEditor-Android/pull/922\">similar license change has already happened on Aztec-Android</a> and <a href=\"https://github.com/wordpress-mobile/AztecEditor-iOS/issues/1299\">Aztec-iOS</a>. The last hurdle is gaining the approval of all the original code contributors or rewriting the code for those who decline to give approval. </p>\n\n\n\n<p>Once Gutenberg can be used under the MPL v2.0, the editor will gain a broader reach, with people already on deck wanting to use it. Other companies and projects that are normally outside WordPress’ open source orbit will also have the opportunity to enrich Gutenberg’s ecosystem with contributions back to the project. At the same time, the MPL 2.0 protects Gutenberg from companies that would try to re-release the code as a closed-source project.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Mon, 21 Sep 2020 22:59:10 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Sarah Gooding\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:27;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:124:\"WPTavern: GitHub to Use ‘Main’ Instead of ‘Master’ as the Default Branch on All New Repositories Starting Next Month\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=105014\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:269:\"https://wptavern.com/github-to-use-main-instead-of-master-as-the-default-branch-on-all-new-repositories-starting-next-month?utm_source=rss&utm_medium=rss&utm_campaign=github-to-use-main-instead-of-master-as-the-default-branch-on-all-new-repositories-starting-next-month\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:4844:\"<p class=\"has-drop-cap\">In August, GitHub <a href=\"https://github.blog/changelog/2020-08-26-set-the-default-branch-for-newly-created-repositories/\">announced that it would change</a> the “master” branch name for all new repositories created on the platform to “main” starting October 1. The date is less than two weeks away, and WordPress developers need to be prepared for the change if they use the service for version control or project management.</p>\n\n\n\n<p>The larger tech and web development community began conversations through various venues in June, a time in which the Black Lives Matter was gaining more traction in the U.S. and worldwide. The discussion centered on removing any terminology that could be discriminatory or oppressive to specific groups of people. This ongoing discussion has shown that there is a deep division over whether such changes are necessary or even helpful.</p>\n\n\n\n<p>The WordPress community is dealing with this division itself. Aaron Jorbin <a href=\"https://make.wordpress.org/core/2020/06/18/proposal-update-all-git-repositories-to-use-main-instead-of-master/\">proposed a change</a> at the same time to rename the default branch name on WordPress-owned repositories. Through discussion on his post and elsewhere, the community landed on “trunk,” which keeps WordPress projects in line with its SVN roots.</p>\n\n\n\n<p>“To close the circle on this, a decision was made in June and earlier today (August 19),” <a href=\"https://make.wordpress.org/core/2020/06/18/proposal-update-all-git-repositories-to-use-main-instead-of-master/#comment-39524\">wrote Helen Hou-Sandí</a>, a lead WordPress developer, in the comments of the original proposal. “I updated the default branch name for new GitHub repositories under the WordPress organization to be trunk after GitHub enabled early access to that feature.”</p>\n\n\n\n<p>As evidenced by the comments on the <a href=\"https://wptavern.com/proposal-to-rename-the-master-branch-from-wordpress-owned-git-repositories\">Tavern’s coverage of the proposal</a> and those on the original post, the WordPress development community as a whole did not support this decision.</p>\n\n\n\n<p>Jorbin has updated several of WordPress’s repositories and switched them to use <code>trunk</code> instead of <code>master</code>. However, there are still some lingering projects yet to be updated, including the primary <a href=\"https://github.com/WordPress/WordPress\">WordPress</a> and <a href=\"https://github.com/WordPress/wordpress-develop\">WordPress Develop</a> repositories. He left a <a href=\"https://make.wordpress.org/core/2020/06/18/proposal-update-all-git-repositories-to-use-main-instead-of-master/#comment-38817\">comment with an updated lis</a>t in June. There is no public word on whether the existing, leftover projects will be changed.</p>\n\n\n\n<h2>WordPress Developer Preparations</h2>\n\n\n\n<img />Customizing the default branch for a user’s GitHub repositories.\n\n\n\n<p class=\"has-drop-cap\">GitHub is merely changing the default branch name for new repositories starting on October 1. This change does not affect existing repositories. Individual users, organization owners, and enterprise administrators can customize the default branch via their account settings now before the switch is made. Owners can also change the default branch name for individual repositories.</p>\n\n\n\n<p>The biggest thing that developers need to watch out for is their tooling or other integrations that might still require the master branch. There may be cases where an alternative default branch name will break workflows. If planning to use a different branch name, the best thing to do right now is to spin up the tools you use on a test repository. If something breaks, check to see whether the particular tool you are using will be getting an update. In most cases, this should not be a problem because customized default branch names will be an industry standard.</p>\n\n\n\n<p>The great thing about how GitHub is rolling out this feature is that it offers a choice. Those who believe that “master” is oppressive can change the branch name to something they feel is more inclusive. For those who believe otherwise, they can keep their master branch. But, everyone can use the branch name they prefer.</p>\n\n\n\n<p>For existing repositories, GitHub is asking that developers be patient for now. The company is investing in tools to make this a seamless experience <a href=\"https://github.com/github/renaming#later-this-year\">later this year</a>. There are a few technical hurdles to clear first.</p>\n\n\n\n<p>Developers should read the full GitHub guide on <a href=\"https://docs.github.com/en/github/administering-a-repository/setting-the-default-branch\">setting the default branch</a> for more information.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Mon, 21 Sep 2020 20:39:55 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Justin Tadlock\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:28;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:125:\"WPTavern: Matt Mullenweg and Jamstack Community Square Off, Making Long-Term Bets on the Predominant Architecture for the Web\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=104428\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:293:\"https://wptavern.com/matt-mullenweg-and-jamstack-community-square-off-making-long-term-bets-on-the-predominant-architecture-for-the-web?utm_source=rss&utm_medium=rss&utm_campaign=matt-mullenweg-and-jamstack-community-square-off-making-long-term-bets-on-the-predominant-architecture-for-the-web\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:19953:\"<p>Over the past two weeks, Matt Mullenweg and Jamstack community leaders have forged a new rivalry, after Mullenweg told <a href=\"https://thenewstack.io/wordpress-co-founder-matt-mullenweg-is-not-a-fan-of-jamstack/\">The New Stack</a> that he sees Jamstack as “a regression for the vast majority of the people adopting it.” </p>\n\n\n\n<p>“The usability and functionality is actually lower,” Mullenweg said to Richard MacManus in an email. “Even rebuilding sites in Jamstack harkens back to the Movable Type days, where the bigger your site gets the slower it is to rebuild or update templates.” </p>\n\n\n\n<p>Mullenweg also described a “fragile” chain of services required to run Jamstack sites.</p>\n\n\n\n<p>“You can patch together a dozen services, each with its own account and billing, for hundreds of dollars a month, to get a similar result you’d have for a few dollars a month using WordPress on shared hosting,” he said. “And it would be more fragile, because the chain is only as strong as its weakest link. You are chaining together different toolsets, logins, billing, hosting… any part of it going down can break the entire flow.”</p>\n\n\n\n<p>Mullenweg has since further <a href=\"https://wptavern.com/matt-mullenweg-clarifies-jamstack-remarks\">clarified his comments</a> while also doubling down on his original premise, saying that “there isn’t a vast number of people adopting Jamstack in the first place, and those who do are probably fully aware of the tradeoffs.” He outlined how he sees WordPress providing a better experience for users in terms of performance, security, scaling, and developer experience. </p>\n\n\n\n<p>Mullenweg’s provocative remarks set off a chain of open letters from the CEO’s of Jamstack-related services. They are convinced that the LAMP stack is on its way out and that Jamstack is on the precipice of replacing its incumbent as the most dominant architecture of the web. </p>\n\n\n\n<p>Ohad Eder-Pressman, co-founder and CEO of <a href=\"https://www.stackbit.com/\">Stackbit</a>, was the first to fire back. He believes that Jamstack is a “disruptive innovation” that may appear to be inferior now because it is still relatively low level and new when compared to a 17-year old product like WordPress.</p>\n\n\n\n<p>“We should be asking whether Jamstack is a better architecture than LAMP and what gaps currently exist with products and solutions built on top of the Jamstack,” Eder-Pressman said. He agreed that Jamstack tools are still largely focused on developers but makes a bold prediction on the stack’s future reach:</p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>The achievements of WordPress in terms of market share and how it democratized early web publishing are amazing. When it comes to architecture I think it was best in class for the early 2000s but it’s time to move forward. We already see cohorts of websites where Jamstack adoption crosses 20% – it’s no longer a question of if the Jamstack becomes the predominant architecture for the web but a question of when. The cliche is a cliche but it also rings true – <strong>First, they ignore you, then they laugh at you (we are here), then you win</strong>.</p></blockquote>\n\n\n\n<p>Eder-Pressman agreed with Mullenweg regarding Jamstack’s lower usability and functionality but touted the architecture as “infinitely more resilient” due to being hosted on a CDN. He admitted that rebuilding larger sites can be slow but cited developments like build parallelization, build cache, partial rebuild, and incremental static regeneration as optimizations as efforts the Jamstack ecosystem is exploring to solve this known issue.</p>\n\n\n\n<p>Netlify CEO Mathias Biilmann, who originally coined the term “Jamstack,” goes so far as to hail “the end of the WordPress era” in his <a href=\"https://www.netlify.com/blog/2020/09/15/on-mullenweg-and-the-jamstack-regression-or-future/\">article</a> refuting Mullenweg’s remarks. </p>\n\n\n\n<p>“There’s often a moment right around the time when an old technology is about to be displaced by the next thing, where the main leader in the field goes out and makes a strong argument that absolutely nothing is happening,” Biilmann said. “A moment that ends up looking like a turning point where the new was undeniably present enough to be worth being in denial about.”</p>\n\n\n\n<h2>The Bet: By September 2025, what will be the predominant architecture for the web?</h2>\n\n\n\n<p>In a brief exchange on Twitter, Mullenweg and Eder-Pressman made a wager for five years into the future, to see if Eder-Pressman’s prediction will hold up, as measured by the Alexa top 10k. In order for Jamstack to become the predominant architecture for the web, it will need to surpass WordPress’ numbers, which are currently hovering at <a href=\"https://trends.builtwith.com/cms/WordPress\">39.75%</a> (via BuiltWith) and <a href=\"https://w3techs.com/technologies/details/cm-wordpress\">38.4%</a> (via w3techs).</p>\n\n\n\n<div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\"><p lang=\"en\" dir=\"ltr\">They currently have us ~37% of top 10k. I wonder if you\'re undercounting us with YC companies too? <a href=\"https://t.co/ki9Ng3DGqI\">https://t.co/ki9Ng3DGqI</a></p>— Matt Mullenweg (@photomatt) <a href=\"https://twitter.com/photomatt/status/1302048647882784769?ref_src=twsrc%5Etfw\">September 5, 2020</a></blockquote>\n</div>\n\n\n\n<p>“I’m happy to make a long bet: 1 year, 5 years, 10 years,” Mullenweg said in another <a href=\"https://twitter.com/photomatt/status/1306368508792504321\">thread</a> in response to Netlify’s CEO. “We’re building and rebuilding WordPress to be generational. We’ve navigated and created bigger architectural shifts in the past, and will do so in the future.”</p>\n\n\n\n<p>“I’m a developer, founder, and investor in the space of web technologies – if I’m not willing to engage in a public discussion and share my predictions for where the web is heading then what merit does my work have?” Eder-Pressman said when I asked him why he was willing to make this public wager.</p>\n\n\n\n<p>“I felt compelled given Mullenweg’s comments and what I believe is the lack of appreciation for how much adoption and momentum Jamstack technologies already have. If anything I would say that my bet is actually pretty cautious.”</p>\n\n\n\n<p>Eder-Pressman and his team at Stackbit are working on a tool to track Jamstack adoption across the web, as BuiltWith does not yet have a Jamstack stat panel that correctly aggregates all the technologies associated with this relatively new category of websites.</p>\n\n\n\n<p>“We’ve built an internal tool that tracks adoption of Jamstack technologies across different cohorts of websites which we find informative,” he said. “This isn’t unlike what say Builtwith provides except that we track a few technologies that they don’t and we bundle this into a Jamstack adoption indicator. We’ve used this internally up until now and are planning to release some public facing version of it later this year.”</p>\n\n\n\n<p>As the CEO of Stackbit, a service that cranks out Jamstack sites in 60 seconds while bypassing any requirement to use the command line or download npm packages, Eder-Pressman is actively engaged in trying to bring this technology stack to the masses. The company aims to solve the very problems that Mullenweg identified in his critical comments, as is evident in the marketing copy on the Stackbit website. It acknowledges that piecing together a Jamstack website can be challenging even for developers:</p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>“In a fragmented Jamstack environment, developers struggle to glue products together when trying out the latest tech. Stackbit connects the best tools on the market, and helps them play together.”</p></blockquote>\n\n\n\n<p>A year ago, Stackbit caught my attention and I contacted them to find out when WordPress would land among their list of CMS import options. At that time they said they were considering WordPress as a headless CMS option but did not have it on the immediate roadmap. One year later, Stackbit is no closer to building import capabilities for the most popular CMS on the web.</p>\n\n\n\n<p>“It’s on the horizon but its not something we’ve prioritized,” Eder-Pressman said. “WordPress is a full blown monolithic CMS. It has been used before as a headless CMS but there are better headless CMS choices out there. Even Mullenweg <a href=\"https://twitter.com/photomatt/status/1302028302530404353\">agrees</a> it’s a complicated premise.”</p>\n\n\n\n<p>When asked if his recent conversations have changed the company’s plans to support WordPress imports, he said, “No, it doesn’t make us want to do this any more or less. I really enjoyed the conversation and am glad that Mullenweg recognizes the rise of the Jamstack so much so that he found it necessary to take aim at it. We as a company are driven by the market, user demand, growth opportunities and a healthy vision for the future of the web.”</p>\n\n\n\n<p>Jamstack will need to make itself accessible to the wide world of non-technical website owners if its advocates hope to capture any meaningful segment of the Alexa top 10k marketshare. Stackbit, for one, is still grossly underestimating WordPress’ ability to sustain its <a href=\"https://joost.blog/cms-market-share-june-2020-analysis/\">phenomenal growth</a>, and doesn’t see the necessity for creating a simple path to convert WordPress users. Eder-Pressman believes that making Jamstack accessible starts with developers.</p>\n\n\n\n<p>“The Jamstack is an architecture which is winning the minds of developers around the world and across the web development stack,” he said. “Adoption for new architectures often begins with developers so I’m excited to see a company like say Netlify boast over 1 million developers on its Jamstack platform.” </p>\n\n\n\n<p>Eder-Pressman’s tool for measuring Jamstack adoption will need to produce some compelling data on the stack’s growth, if his bet is going to materialize. While nearly every offering in the Jamstack ecosystem still falls squarely within the realm of experienced developers, it doesn’t seem likely that five years is enough time for it to overtake WordPress as the predominant architecture for the web. WordPress hasn’t achieved its dominance by prioritizing developer happiness over usability.</p>\n\n\n\n<p>Looking at the numbers five years from now, will we see Jamstack overtake WordPress as the most popular way to build a website? Will Jamstack grow with developer usage and then plateau once it fails to reach regular people who don’t have a git-based workflow at the top of their wishlists? Are we going to find Jamstack and WordPress neck and neck in the battle for the predominant architecture for the web? Those who work with a hybrid of both technologies see no need for this kind of rivalry.</p>\n\n\n\n<h2>Shifting the conversation towards collaboration: “Jamstack can be an opportunity for our industry, rather than a threat.”</h2>\n\n\n\n<p>“Reading Mullenweg’s comments and the responses from CEOs in the Jamstack community make me feel caught in the middle and a bit frustrated,” <a href=\"https://www.getshifter.io/\">Shifter</a> COO Daniel Olson said. “I see friction between two communities that have so much in common.”</p>\n\n\n\n<p>Olson has been a proponent of using Jamstack with WordPress for the past four years since launching Shifter, a static site generator and hosting company that supports headless WordPress sites on the Jamstack. </p>\n\n\n\n<p>“If you look for the most secure, cost-effective way to build and host a high-traffic website today, the cross-section you’ll arrive at is the Jamstack. Looking at how it offers each of those benefits, you will find inspiration and ways WordPress could do the same,” Olson said. “Rather than write something off wholesale, see what you can learn and apply it.”</p>\n\n\n\n<p>Olson said his mission is to bridge the gaps between WordPress and the benefits Jamstack offers, while working through its early days and messy parts, innovating on the tools that work.</p>\n\n\n\n<p>“We should be working together to address specific challenges and worry less about how we get there,” Olson said. “Some technologies are indeed a better fit for solving each of those challenges but you don’t need to leave one ecosystem for the other to do it. You can share knowledge and best practices and discover what’s possible. There’s a good chance you’ll end up creating something new, which is part of that innovation we need in our communities.”</p>\n\n\n\n<p>Jamstack hosting services for WordPress are eager to remind users that they don’t have to go all in on the technology. You can have your JAM and spread it on top of WordPress, accommodating developers’ love for experimenting with new frontend technologies, while preserving the dynamic publishing power that has been refined over the past 17 years. These hybrid hosting companies aim to enable this without leaving users behind. </p>\n\n\n\n<p>“Matt is absolutely right that the usability and functionality of the Jamstack is lower,” <a href=\"https://www.strattic.com/\">Strattic</a> co-founder and CEO Miriam Schwab said. “The Jamstack is a great example of technology that is incredibly appealing to developers, but the actual end users – writers, marketers, business owners – cannot use it. I’ve heard many stories of major companies that have come to the decision to adopt Jamstack for all web development as a company-wide policy, only to find that their marketing team has gone rogue and is installing WordPress sites in order to get their job done.</p>\n\n\n\n<p>“The reason for this is like Matt said: every Jamstack site is a compilation of layers of services, and each layer has dozens of options available: you need a static site generator, a CMS, static hosting, and a CDN – and you need to tie it all together with version control. This is all cool and shiny, and the output is truly fantastic because when you have a site that’s a collection of pre-rendered static files served up through a CDN it’s fast, secure, scalable and stable. But then along comes marketing and they want to set up a landing page and they are totally dependent on their dev team and can’t move forward without them. That defeats the purpose of a CMS-driven website! With WP, you get all the layers in one platform…but you don’t get the awesome output.”</p>\n\n\n\n<p>Schwab said she sees WordPress having its age work both for it and against it, but ultimately she believes in enabling real world users to manage their own websites without having to rely on developers. </p>\n\n\n\n<p>“I’ve seen many companies abandon WP for the shiny new stack, and then come back to it,” Schwab said. “Github is a good example of this – yes Github, the modern repository of cutting-edge code moved their blog off of WordPress, and then came back because it truly is the best tool for just getting your content out there. There aren’t a zillion steps and integrations – you write content, click Publish, and that’s it. It gets the job done, and the fanciest tools will never beat something that just gets the job done.”</p>\n\n\n\n<p>At the same time, WordPress needs to be open to enabling diverse frontend implementations, if it wants to remain relevant for the next decade. “WP is running on legacy architecture,” Schwab said. “It’s showing its age, and it’s not appealing to new generations of developers. We need to keep WordPress appealing and interesting to developers in order to secure its future for years to come. If we don’t make developers excited, we will inevitably see a decline.” She encourages the WordPress community to embrace Jamstack as “a breath of fresh air.” </p>\n\n\n\n<p>“Jamstack can be an opportunity for our industry, rather than a threat,” Schwab said. “There are ways for the two industries to collaborate, like in the case of headless WP deployments using Gatsby.”</p>\n\n\n\n<p>Unlike many other Jamstack service companies, the team behind Gatsby has <a href=\"https://wptavern.com/gatsby-raises-15m-plans-to-invest-more-heavily-in-wordpress-and-cms-integrations\">more readily embraced WordPress</a> as a data source and a critical component of its continued success. The company <a href=\"https://wptavern.com/jason-bahl-joins-the-gatsby-team-to-work-on-wpgraphql-full-time\">hired Jason Bahl</a>, creator of the GraphQL for WordPress project, to work on WPGraphQL (and its immediate ecosystem) full-time, while providing a bridge to the WordPress world.</p>\n\n\n\n<p>“Maybe I’m getting caught up in semantics, but the JAM in JAMStack means JavaScript, APIs and Markup,” Bahl said. “It wasn’t long ago when Matt prescribed the WordPress ecosystem to ‘Learn JavaScript Deeply,’ and not long after that when a Jamstack application called Gutenberg was merged into WordPress core, along with React. Gutenberg is the JavaScript, the WP REST API is the API and the end result is markup. Jamstack isn’t a regression, it’s a future that Automattic is helping drive WordPress toward.”</p>\n\n\n\n<p>When Mullenweg says he is ready to build and rebuild WordPress to be generational, it’s a promise he has already delivered on by introducing the React-based Gutenberg editor two years ago, successfully pushing past an enormous amount of resistance from the developer community.</p>\n\n\n\n<p>Bahl said he sees this continued legacy of improvement happening over and over again in various ways, made possible by WordPress’ pluggable system:</p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>WordPress ships with a lot of APIs, but often they are replaced with something newer and better. For example, it’s common for sites to offload images to a CDN instead of use the built-in file system for media. Or instead of using built-in WordPress MySQL search, users will reach for ElasticSearch, Algolia or Solr. In the case of WordPress and the JAMStack, reaching for Next, Gatsby or Gridsome to replace the built-in Theme API isn’t a regression, it’s using newer technology to handle things that built-in parts of WordPress might not do as well. The Theme API of WordPress is just one API and replacing it with technology that does the job better isn’t a regression.</p></blockquote>\n\n\n\n<p>Gatsby’s build step, which has received <a href=\"https://twitter.com/tesseralis/status/1293649015020457984\">negative attention in the news</a> recently, is one example of what Bahl thinks Mullenweg was referring to as a regression for users. Bahl is working with Gatsby to reduce the friction associated with decoupled architectures when using WordPress as the API in Jamstack.</p>\n\n\n\n<p>“I don’t see Jamstack competing against WordPress,” Bahl said. “In my mind, Jamstack with WordPress as the API is the future of the web. WordPress is the best CMS. Gatsby specifically is trying to embrace this. This isn’t a zero sum game. If the Gatsby + WordPress experience can allow users to use the best CMS in the world while using modern dev tooling, it’s a win all around.”</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Sat, 19 Sep 2020 18:54:01 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Sarah Gooding\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:29;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:51:\"WPTavern: Matt Mullenweg Clarifies Jamstack Remarks\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=104883\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:147:\"https://wptavern.com/matt-mullenweg-clarifies-jamstack-remarks?utm_source=rss&utm_medium=rss&utm_campaign=matt-mullenweg-clarifies-jamstack-remarks\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:6205:\"<p>Two weeks ago, Matt Mullenweg made some pointed remarks in an article from <a href=\"https://thenewstack.io/wordpress-co-founder-matt-mullenweg-is-not-a-fan-of-jamstack/\">The New Stack</a>, calling Jamstack “a regression for the vast majority of the people adopting it.” In preparation for an upcoming article that will include comments from leaders across both the WordPress and Jamstack communities, I asked Mullenweg if he stands by his remarks characterizing Jamstack as a regression. His response was lengthy and is printed here in its entirety to preserve cohesion.</p>\n\n\n\n<p><strong>Q: Do you stand by your remarks that Jamstack is a regression for the vast majority of the people adopting it?</strong></p>\n\n\n\n<p><strong>Answer:</strong></p>\n\n\n\n<p>“Vast majority of people adopting it” was probably too harsh, because there isn’t a vast number of people adopting Jamstack in the first place, and those who do are probably fully aware of the tradeoffs. There are some good reasons, for certain situations, to decouple and add complexity to your architecture, and WordPress’ REST API works fantastically as a backend there. But I worry they are over-selling the promise of what’s really an architectural decision. If <a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https://jamstack.org/\">you look at the benefits they purport</a>, it’s better performance, security, scaling, and developer experience:</p>\n\n\n\n<img />\n\n\n\n<p><strong>Better Performance:</strong> You can achieve the same performance by putting a great CDN like Cloudflare on top of WordPress, and your life will be infinitely easier when you want to add dynamic features like a store or comments. You can also easily find a static WordPress host like <a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https://www.strattic.com/\">Strattic</a> or <a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https://www.getshifter.io/\">Shifter</a>.</p>\n\n\n\n<p><strong>Higher security:</strong> I don’t believe that introducing a number of proprietary and sub-scale SaaS services like Netlify into your stack will make your site more secure. I believe the most secure thing you can do is run fully open source code, as widely vetted and used as possible, on servers you control, or from the fewest number of vendors possible. WordPress securely runs some of the most attacked websites on the internet, including major media, Facebook, and <a rel=\"noreferrer noopener\" target=\"_blank\" href=\"http://whitehouse.gov/\">WhiteHouse.gov</a>. Having this many moving parts doesn’t inspire confidence:</p>\n\n\n\n<img />\n\n\n\n<p><strong>Cheaper, easier scaling:</strong> CDNs are more expensive than normal hosting accounts, and you can get WordPress running on a decent host for less than $5/mo. And there are even more powerful offerings: The personal plan on <a rel=\"noreferrer noopener\" target=\"_blank\" href=\"http://wp.com/\">WP.com</a> can serve tens of millions of visitors per day, to the website or the headless API, includes a global CDN, and a domain name for $4/mo, and we still have a profit margin. <a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https://graphcms.com/pricing\">GraphCMS starts at $29/mo and only gives you “5,000 entities,”</a> whatever that means. <a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https://www.contentstack.com/pricing\">Contentstack is $3,500/mo</a>. And that’s just for the headless CMS part! You still need to sign up and pay for a bunch of the other stuff in that graphic before you have a website a human can visit in a browser.</p>\n\n\n\n<p><strong>Better developer experience:</strong> If your developer wants to copy and paste updates from marketing to the website, sure, but if they want people to be able to update the website without their help, they should go with something easier for users like WordPress. If you’re curious about the developer experience, or an investor thinking about this space, I really suggest you watch this three hour and thirty minute tutorial to really understand what is being sold under the premise of “better”:</p>\n\n\n\n<div class=\"wp-block-embed__wrapper\">\n\n</div>\n\n\n\n<p>Have I ever built stuff like that? Totally! It can be a ton of fun, like building a rocket at home or fixing up an old car. I’ve seen some awesome sites built on decoupled architectures or static publishing, using headless WordPress rather than the CMS’s above, but still a similar idea. People are trying to paint me as being against Jamstack, but that is as foreign to me as being against duct tape — it’s good for some things, bad for others, and it’s not going away. I just wish they would be more intellectually rigorous and honest when marketing it. I expect a Jamstack-like approach to exist forever, just like the ideas behind Jamstack pre-date it getting jammed down our throats by Netlify’s marketing team.</p>\n\n\n\n<p>Biilmann has got the Ballmer / iPhone story backwards — Microsoft’s mistake there was they made something too complicated, and the iPhone simplified it. Jamstack introduces numerous vendors, build steps, network calls, interfaces, even billing relationships for something that’s a single button press in WordPress.</p>\n\n\n\n<p>The reason services like <a rel=\"noreferrer noopener\" target=\"_blank\" href=\"http://wordpress.com/\">WordPress.com</a> and Shopify are growing so much is they are taking things that were complicated and making them simpler and accessible to a much wider audience. My mission is to democratize publishing and commerce, to make it radically accessible to everyone regardless of technical or economic ability, and increase the freedom and openness on the internet. <a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https://twitter.com/photomatt/status/1306368508792504321\">As I said on Twitter</a>, the first 15 years of WordPress were just the first few chapters. I’m looking forward to building and rebuilding the platform the rest of my lifetime, and when that comes to an end I hope future generations will carry the torch.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Fri, 18 Sep 2020 22:49:44 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Sarah Gooding\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:30;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:65:\"WPTavern: Gutenberg’s Custom Spacing Should Be Theme Controlled\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=104867\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:169:\"https://wptavern.com/gutenbergs-custom-spacing-should-be-theme-controlled?utm_source=rss&utm_medium=rss&utm_campaign=gutenbergs-custom-spacing-should-be-theme-controlled\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:5679:\"<img />Adjusting padding on a Group block.\n\n\n\n<p class=\"has-drop-cap\">When <a href=\"https://wptavern.com/gutenberg-9-0-brings-major-improvements-to-navigation-screen-and-query-block\">Gutenberg 9.0 landed</a> earlier this week, it came with an experimental <a href=\"https://github.com/WordPress/gutenberg/pull/24966\">padding control</a> for the Group block. Most users will not see it unless their theme has opted into supporting the feature using the <code>experimental-custom-spacing</code> flag.</p>\n\n\n\n<p>This was not the first that we have seen of the padding option on a block. <a href=\"https://wptavern.com/gutenberg-8-3-updates-block-categories-includes-parent-block-selector-and-adds-new-design-controls\">Gutenberg 8.3</a> introduced it for the Cover block. Since then, nothing has changed with the implementation.</p>\n\n\n\n<p>The problem with the custom spacing/padding option is that it creates an inline style that does not adjust based on the design of the theme. Fortunately, the feature is still experimental. This means that we have time to reevaluate how it works.</p>\n\n\n\n<p>Unless we’re doing away with any remaining illusion that themes will play an important aspect of WordPress’s future and front-end design becomes fully entrenched within core, theme authors need some level of control. And, even if themes are going the way of the dinosaur, custom padding numbers on the block level will create design consistency issues down the road. Using 100 pixels of padding might make sense within a site’s current design, but 96 pixels might make sense within a future design. When a user adds dozens or hundreds of blocks with custom padding today, it will wreak havoc on tomorrow’s spacing and rhythm.</p>\n\n\n\n<p>Besides that, the average user has little concept of design rules. Having a standardized system for spacing would give theme authors control over the output while giving end-users the ability to customize the look.</p>\n\n\n\n<p>I have argued that WordPress needs some sort of <a href=\"https://wptavern.com/themes-of-the-future-a-design-framework-and-a-master-theme\">design framework</a>. For example, Tailwind CSS has specific padding classes. So does Bootstrap and nearly every other CSS framework. The web development community has been down this road. It is a well-trodden path, and WordPress is not innovating by using inline styles.</p>\n\n\n\n<p>If the WordPress platform is going to put this sort of power into the hands of its users, it should do so in a way that allows designers to do their thing and not push users toward semi-permanent, inline-style soup in their content.</p>\n\n\n\n<p>Pre-Gutenberg, I would have been entirely against the idea of WordPress introducing any sort of CSS or design framework. However, the platform is consistently moving toward becoming a UI-based design tool rather than simply a way to manage content. Users will have design-related options on a global scale all the way down to individual blocks. Users should absolutely have the ability to adjust a block’s padding in such a system. They should not need an understanding of CSS to do so. Instead, for most use cases, users should be able to adjust padding based on whether they want larger or smaller spacing, not specific CSS values.</p>\n\n\n\n<p>I propose a full set of standardized padding classes. The same would go for margins or other design-related options down the road. Gutenberg/WordPress should create a set of default values for these classes, which theme authors could override based on their design.</p>\n\n\n\n<p>This is not a new concept. Dave Smith, a developer for Automattic, introduced a <a href=\"https://github.com/WordPress/gutenberg/pull/16730\">patch in 2019</a> that used named selectors for spacing on the Group block. He gave the following reasoning for choosing this approach over absolute values:</p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>Imagine you are a Theme designer. You craft your CSS with spacing that is perfect for the design. You want to ensure that is consistent throughout your Theme, even if the page layout is being created by the end-user in the Block Editor.</p><p>With the approach I’ve taken here, when a size is selected only classes are added to the Block in the DOM. This affords the Theme creator the opportunity to provide custom sizes in CSS that are suitable for their Theme. If they opt not to do this then sensible defaults are provided.</p><p>With the pixels approach, we’re locking users of the Block into absolute values and asking them to make a lot of decisions that they’d probably prefer not to have to make. It could also lead to an inconsistent visual experience.</p></blockquote>\n\n\n\n<p>This ship has already sailed and sunk with custom colors and font sizes. Gutenberg had an opportunity to standardize class names for these options but left it to theme authors. As a result, there is no standard across the theme market, which means that choosing the “large” font size or the “blue” text color provided by the theme will likely not carry across to the user’s next theme. Now, we are on the cusp of far more design-related options as WordPress moves toward full-site editing. It is time to consider some standards on design-related class names and provide a framework that all themes can use.</p>\n\n\n\n<p>Gutenberg could still provide a <em>custom</em> padding option just like it does for colors and font sizes. Users who choose to go this route would be making an explicit choice to work outside of the standard. But, let’s not go down this road of allowing users to set absolute spacing values as the default option.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Fri, 18 Sep 2020 18:49:10 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Justin Tadlock\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:31;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:75:\"WPTavern: GoDaddy Acquires SkyVerge, Creator of Over 60 WooCommerce Add-Ons\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=104658\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:193:\"https://wptavern.com/godaddy-acquires-skyverge-creator-of-over-60-woocommerce-add-ons?utm_source=rss&utm_medium=rss&utm_campaign=godaddy-acquires-skyverge-creator-of-over-60-woocommerce-add-ons\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:4911:\"<p class=\"has-drop-cap\">On September 14, GoDaddy <a href=\"https://aboutus.godaddy.net/newsroom/news-releases/press-release-details/2020/GoDaddy-Acquires-SkyVerge-to-Help-Everyday-Entrepreneurs-Sell-Online-with-WordPress-and-WooCommerce/default.aspx\">announced it had acquired SkyVerge</a>, a major WooCommerce-focused development company, for an undisclosed amount. At the moment, GoDaddy is playing it close to the vest in terms of its future plans. It has not publicly announced anything beyond a continued commitment to current customers.</p>\n\n\n\n<p>The initial announcement makes note that SkyVerge’s free plugins on WordPress.org have been downloaded more than 3.1 million times. However, the company’s <a href=\"https://profiles.wordpress.org/skyverge/#content-plugins\">nine plugins in the directory</a> currently have over 155,000 active installs. Nevertheless, SkyVerge’s real value is in its team and its impressive array of free and commercial add-on plugins available directly from its site.</p>\n\n\n\n<p>WooCommerce is a cash cow for companies with the right products and marketing at the moment. GoDaddy seems to be going all-in on the back of WordPress’s most popular eCommerce solution. It launched a <a href=\"https://wptavern.com/godaddy-launches-ecommerce-hosting-plan-in-partnership-with-woocommerce\">managed WooCommerce hosting plan</a> in October 2019. The hosting company has now added over 60 WooCommerce extensions to its inventory in one swoop.</p>\n\n\n\n<p>“As more small businesses and entrepreneurs go online, having a highly performant eCommerce experience is becoming more important than ever,” said Rich Tabor, Senior Product Manager of WordPress Experience at GoDaddy. “Late last year we launched a Managed WooCommerce offering, bundling many WooCommerce extensions in the Managed WordPress environment.”</p>\n\n\n\n<p>SkyVerge has quietly become a massively successful WordPress and WooCommerce business. It was bringing in <a href=\"https://www.starterstory.com/develop-ecommerce-tools\">$350,000 per month</a> at the end of 2019. There was no response on how well the business has performed thus far in 2020.</p>\n\n\n\n<p>The entire SkyVerge team came along for the transition to GoDaddy. “We’re just beginning to deliver more capabilities and an even better setup and ongoing usage experience for our customers,” said Tabor. “The SkyVerge team will lead and accelerate those plans. They are an incredibly talented and innovative team that lives and breathes WooCommerce. Joining forces with them advances GoDaddy’s WordPress strategy and enhances our ability to deliver intuitive eCommerce experiences that help everyday entrepreneurs sell online.”</p>\n\n\n\n<p>With so many extensions in place, the big question for average users is whether those extensions will become a part of GoDaddy’s eCommerce hosting bundle. Tabor either did not or could not let slip any plans in the works. “We’re just beginning to determine how to best deliver SkyVerge’s wonderful products to GoDaddy customers. SkyVerge brings a lot of great software. It’s reasonable to expect we’ll be delivering that to our customers who are selling online.”</p>\n\n\n\n<p>It is doubtful that GoDaddy went into this acquisition without at least some short-term plans or visions for how its managed hosting service would use these extensions. For now, we will have to wait and see.</p>\n\n\n\n<p>It seems that the immediate plan will be to maintain business as usual. Tabor said GoDaddy had no changes to announce related to SkyVerge’s products and website. “We are committed to continuing support of SkyVerge’s customers and investing in the SkyVerge software,” he said.</p>\n\n\n\n<p>SkyVerge also created <a href=\"https://jilt.com/\">Jilt</a>, which is an email marketing platform for eCommerce sites. The platform currently supports WooCommerce, Easy Digital Downloads, Shopify, and Shopify Plus. Tabor did not directly respond to what the future looked like for Jilt’s non-WooCommerce customers nor did he give any indication of whether there were plans to expand Jilt to other eCommerce systems.</p>\n\n\n\n<p>He did say that GoDaddy would continue to invest in its priority eCommerce platforms, which are WooCommerce and GoDaddy Websites + Marketing.</p>\n\n\n\n<p>Max Rice, co-founder of SkyVerge, did leave some indication of Jilt’s future in his <a href=\"https://www.skyverge.com/blog/skyverge-joins-godaddy/\">announcement post</a>. “We made a commitment to be there for your business with software you can depend on, and we’re sticking to it,” he said. “We’ll continue to support our existing WooCommerce plugins and Jilt. While we’ll be building something new at GoDaddy, everything we’ve already built is a big part of that.”</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Thu, 17 Sep 2020 20:59:02 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Justin Tadlock\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:32;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:86:\"WPTavern: Gutenberg 9.0 Brings Major Improvements to Navigation Screen and Query Block\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=104795\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:217:\"https://wptavern.com/gutenberg-9-0-brings-major-improvements-to-navigation-screen-and-query-block?utm_source=rss&utm_medium=rss&utm_campaign=gutenberg-9-0-brings-major-improvements-to-navigation-screen-and-query-block\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:2749:\"<p>If you haven’t played around with Gutenberg’s experiments lately, the Navigation block is getting some exciting updates. Version 9.0 was released today with drag-and-drop support added to the list view of navigation items. </p>\n\n\n\n<img />\n\n\n\n<p>Contributors have been <a href=\"https://github.com/WordPress/gutenberg/issues/24875\">working through several different prototypes</a> aimed at unifying the controls and simplifying the menu building process. The Navigation screen included in version 9.0 has been redesigned to <a href=\"https://github.com/WordPress/gutenberg/issues/25014\">improve the “Create Menu” flow</a> and includes the following changes:</p>\n\n\n\n<ul><li>New <em>Header</em> and <em>Toolbar</em> components.</li><li><em>Manage Locations</em> has been rewritten and is now a popover.</li><li><em>Add New</em> form has been rewritten and now appears inline in the toolbar.</li><li><em>Automatically Add Pages</em> checkbox and <em>Delete menu</em> button has been rewritten and now appears in the block inspector.</li></ul>\n\n\n\n<p>The screen is starting to take shape but is still very much a work in progress. If you want to test it, you can enable it under Gutenberg > Experiments.</p>\n\n\n\n<p>The Query block was another main focus fr the 9.0 release. It is taking a giant leap forward with new features like search, filtering by author, support for order/order by (date + title), and tags. This block should be tested locally and is still behind the <code>__experimentalEnableFullSiteEditing</code> flag since it requires full site editing blocks to display queried content.</p>\n\n\n\n<img />\n\n\n\n<p>Other notable UI enhancements include <a href=\"https://github.com/WordPress/gutenberg/pull/24852\">a new drag handle added to block toolbar</a> for drag-and-drop capability. (It is not visible on the top toolbar). Blocks can be dragged to other areas of a post as an alternative to using the up/down arrows.</p>\n\n\n\n<img />\n\n\n\n<p>This release also <a href=\"https://github.com/WordPress/gutenberg/pull/24472\">removes the Facebook and Instagram blocks</a> from the inserter, as Facebook will be <a href=\"https://wptavern.com/upcoming-api-change-will-break-facebook-and-instagram-oembed-links-across-the-web-beginning-october-24\">dropping unauthenticated oEmbed support</a> on October 24. WordPress core is also set to remove Facebook and Instagram as an oEmbed provider in an upcoming release.</p>\n\n\n\n<p>For a full list of all the enhancements, bug fixes, experiments, and documentation updates, check out the <a href=\"https://make.wordpress.org/core/2020/09/16/whats-new-in-gutenberg-16-september/\">9.0 release post</a> on WordPress.org.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Thu, 17 Sep 2020 03:18:49 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Sarah Gooding\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:33;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:81:\"HeroPress: How To Become A Freelancer – A Few Things I Learned Before I Gave Up\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:56:\"https://heropress.com/?post_type=heropress-essays&p=3280\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:206:\"https://heropress.com/essays/how-to-become-a-freelancer-a-few-things-i-learned-before-i-gave-up/#utm_source=rss&utm_medium=rss&utm_campaign=how-to-become-a-freelancer-a-few-things-i-learned-before-i-gave-up\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:28154:\"<img width=\"960\" height=\"480\" src=\"https://s20094.pcdn.co/wp-content/uploads/2020/09/091620-min.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Pull Quote: I realized that freelancing is not the only way to achieve my goals.\" /><p><a href=\"https://heropress.com/feed/#serbian\">Članak je takođe dostupan na sprskom jeziku.</a></p>\n<p>Everyone’s story is unique. Our life journeys differ in so many aspects and these experiences shape us into who we are now. Therefore, things that we, as individuals, learn along the way can’t always apply to someone else’s life goals, potentials, aspirations, and struggles.</p>\n<p>But, sometimes, knowing about other people’s mistakes and successes can help us navigate through our life challenges better. We can avoid making the same mistakes and, even better, we can get inspired to accomplish similar achievements.</p>\n<p>That is why I decided to share a few things that I have learned by trying to become a freelancer. Spoiler alert – I’m a corporate employee now.</p>\n<p>My career path was a bit unusual. I wasn’t quite tech-savvy until 5 years ago and my entire focus was around the fitness industry from 2006 until 2015. Being a fitness trainer was a dream job for me when I was 26 but, by the age of 35, it became somehow, well, boring.</p>\n<p>Then I had a huge epiphany – numerous opportunities come with WordPress and freelancing was one of them. So, if you are at the stage of your life when becoming a freelancer seems like a good idea, read on.</p>\n<p>I will try to break down 5 things that helped me in starting my freelance career. They are formulated as general tips for beginners but some of them can also be applied when changing the course of your career. So, let’s dive right in.</p>\n<h3>Question your motives</h3>\n<p>The first and the most important thing that you should ask yourself before you do anything in your life is why. “Why am I doing this?”</p>\n<p>So, why do you want to become a freelancer?</p>\n<p>Is it because you need an extra income? Or maybe because of flexible working hours. Or because you will be able to work from different locations? Or you see freelancing as just a phase before you get enough experience to open your agency and have others working for you.</p>\n<blockquote><p>Be honest with yourself. List all the reasons why you want to become a freelancer. This will help you later on in choosing the right jobs or maybe in considering some other alternatives to freelancing.</p></blockquote>\n<p>For example, these are my top 3 motives to become a freelancer:</p>\n<ul>\n<li>Opportunity to grow intellectually and learn new things</li>\n<li>Flexible working hours (by not being forced to work 9 am to 5 pm every day, I was able to avoid the boring routine)</li>\n<li>Peaceful and quiet working environment – quite opposite to the gym where everything is so loud</li>\n</ul>\n<p>So, after you question your goals and motives, and you are certain that you want to become a freelancer what’s next? My suggestion is – develop WordPress related skills.</p>\n<h3>Get the skills – choose WordPress</h3>\n<p>Why WordPress you might ask? Well, for a start, WordPress gives various opportunities and it is not a developer-only niche.</p>\n<p>Although, when someone thinks of freelancing and WordPress, web developer and web designer are first associations, there is a huge variety of WordPress related freelance jobs:</p>\n<ul>\n<li>Web developer (coding websites, themes, and plugins)</li>\n<li>Web implementor (creating websites from existing themes without coding)</li>\n<li>Web designer (designing website mockups, editing images or creating infographics for websites)</li>\n<li>Client support professional (helping people with their websites)</li>\n<li>Website maintenance professional (takes care of the website to make sure that WordPress, themes, and plugins are up to date and new backups are created regularly)</li>\n<li>WordPress teacher (teaching clients how to use WordPress or teaching other web professionals)</li>\n<li>Content writer</li>\n<li>Accessibility specialist (making sure that certain standards are met and suggesting solutions for accessibility barriers)</li>\n<li>SEO consultant</li>\n<li>Statistics consultant (especially for webshops)</li>\n<li>WordPress assistant (adding new content and editing existing posts)</li>\n<li>Website migration specialist (moving websites from one server to another)</li>\n<li>Web security specialist</li>\n</ul>\n<p>Another reason why WordPress is great for freelancers is a strong community that exists around this CMS. There are regular meetups, WordCamps, and other events (they are now switched to online), where you can get a ton of useful information, and also get to ask like-minded people literally anything. The community is so large and diverse, that you will definitely find the answer to any question. It’s much easier to start your freelance career when you have such a great community around you.</p>\n<h3>Plan in advance</h3>\n<p>Now that you know where the opportunity lies, you can start planning your career.</p>\n<p>Becoming a freelancer is a process. At the beginning of that process, you should acquire or improve relevant skills that will make you stand out in the freelance market. And, of course, as you learn and grow, you will be able to take more challenging and better-paid jobs.</p>\n<p>Which skill should you focus on? If you already have a basic skill set for at least one of the previously listed jobs, you can improve your knowledge in that direction and specialize in that area.</p>\n<p>However, if you don’t have any relevant skills, in my opinion, it would be the easiest to step into the freelancing world with a job that has a shorter learning curve and build your knowledge around that. Example – you can start with either content writing or as a web implementer since these jobs have a shorter learning curve than SEO related jobs or web development. Then, from content writing, you can expand your knowledge towards SEO and from a web implementer, you can become a developer. Just don’t stop learning.</p>\n<p>Also, if you have specific talents or hobbies like writing or design, you can base your career on that.</p>\n<blockquote><p>There is nothing better than doing what you love.</p></blockquote>\n<p>Additionally, it would be a good idea to analyze the market before you jump into the learning process.</p>\n<p>For example, now it would not be the best time to specialize in writing travel-related content, while it would be a great moment for any job related to webshops and online sales.</p>\n<p>If you want to learn web development, web design, web security, or SEO, you should always focus on new trends, so your skills can be useful in the future as well.</p>\n<p>For different jobs, working terms often vary so you should take this into consideration when choosing your career path. At some jobs, you can work flexible hours while at others you have to be available during predefined hours. This is what you should have in mind when specializing in a certain area or looking for a first job.</p>\n<h3>Hurray, it’s time to get a first freelancing job</h3>\n<p>If you currently have a job, it would be wise to either save some money before you quit your job to become a full-time freelancer or try freelancing for a few hours per week, in the beginning, to see if you like it or not. If you become successful and decide that freelancing is something that fits your needs, only then quit your job, not before.</p>\n<blockquote><p>Although some people do benefit when taking a risk, think twice before you take any irreversible actions.</p></blockquote>\n<p>And here are some tactics that worked for me when trying to get my first freelancing job:</p>\n<p><i>Use a freelancing platform</i> – although this is not mandatory, it is much easier to get the first job when you are using a freelancing platform. My choice was Upwork back in the day, but there are several platforms that you can use to get the first job faster.</p>\n<p><i>Triple-check your resume</i> – I guess that this is not something that I should mention but I will anyway, just in case. Don’t make spelling mistakes in your resume, it will give the impression that you are not thorough and that you will oversee mistakes in your other work as well.</p>\n<p><i>Present yourself in a professional manner</i> – Take the time to present your professional skills in the best possible light but still stay humble. Don’t write: “Best WordPress developer that never wrote a bad code”. This is not evidence-based, and it will make you seem arrogant. Instead, you can write: “Web developer with 3 years of experience and over 50 satisfied clients, specialized in WordPress.” This statement is based on facts and it shows your credibility.</p>\n<p><i>Fill up your portfolio</i> – If you have any previous work (that is presentable, of course) you should put it in your portfolio. Emphasis on presentable. If not, you can make a few websites, designs, or write some example texts if you are a content writer in order to showcase your skills. This is not applicable to all jobs, like SEO consultants or customer support but if you have the opportunity to create a portfolio, use the opportunity.</p>\n<p><i>Use video material</i> – Short introductory video will make you stand out since making promotional video material is not something that many freelancers do. It will help you create a more human professional approach. For your clients, you will not be just a list of skills and previous experiences, but a real person that has these skills and experiences and that provides a certain service for them.</p>\n<p><i>Have a detailed strategy when choosing your first employer –</i> Choose your first employer wisely, very wisely. I can’t emphasize enough how important this is so I will give you an example. When I had to apply for my first job, I considered the following:</p>\n<ul>\n<li>How this employer was rated by other freelancers which worked for him previously</li>\n<li>How the employer rated other freelancers</li>\n<li>How much money he had already spent on this platform and if he posts regular job offers</li>\n<li>The number of open positions for this job and the number of freelancers that have already applied. In my case, the job had about 10 open positions so that amplified my chances of getting hired, even if the competition is high.</li>\n</ul>\n<p><i>The first job is not all about the money –</i> Don’t get greedy on your first job. If you get good reviews, your second job can be paid 2-3 times more. And your third job can go up to 5 times more. That was my experience at least.</p>\n<h3>Be careful, you are an adult</h3>\n<p>Individual responsibility is key when it comes to freelancing. You have the freedom to choose who you are going to work for, what kind of job are you going to take, and how it is going to be delivered. And freedom often comes with responsibility. They are like two sides of the same coin.</p>\n<p>You should never miss a deadline. If you are not sure that you are going to be able to deliver, don’t take the job or as an alternative have someone very reliable as a backup, just in case. When you miss a deadline, your client loses money, and they have every right to be angry. This will very likely affect your reviews after the job is complete. And then, the opportunity to get your next job and so on. This can start a downward spiral for your career.</p>\n<p>However, we are all humans and unpredictable things can happen. If for some reason you are not able to complete your work in a timely manner, let your client know immediately so they can have enough time to hire someone else.</p>\n<p>Also, it is important to make everything clear in advance, before you accept the job. Let your clients know what your expectations are and make sure that you understand what they expect from you. For example, if you are a content writer, make sure that you know the length of the text in characters or words, ask if some keywords should be used and how frequently, what writing style your client prefers, and so on. And if you are a designer, specify how many revisions are included in the price.</p>\n<blockquote><p>The clearer the initial arrangement is, the more satisfied both you and your client will be at the end.</p></blockquote>\n<p>If you have flexible working hours, don’t let other people interrupt you. If your friends and family wouldn’t show up in your office every day if you were a bank clerk, they shouldn’t interrupt you when you work from home. It’s the same principle and it’s up to you to set the boundaries and let them know about your working schedule. It’s not up to them.</p>\n<p>So, these are some basic guidelines that helped me in starting my freelance career and I hope that they will be helpful for you as well.</p>\n<blockquote><p>There is no unique recipe and one size doesn’t fit all when it comes to the path you ought to take.</p></blockquote>\n<p>It’s just important to stay focused on your goals and to be open to new opportunities.</p>\n<p>If you were wondering why I’m not a freelancer anymore, this is where the answer lies. By constantly being interested in different opportunities, I realized that freelancing is not the only way to achieve my goals. There are companies that offer flexible working hours and peaceful work environment while stimulating professional growth and creative thinking.</p>\n<p>Plus I gained something very precious by joining a team – my colleagues became my support system both professionally and privately, and that is what I have been missing while being a freelancer.</p>\n<p>I wish you a lot of luck and success in the future, regardless of the path you choose to take.</p>\n<h1 id=\"serbian\">Kako postati frilenser – stvari koje sam naučila pre nego što sam odustala</h1>\n<p>Naše životne priče su različite. Svako od nas ima svoj jedinstveni životni put, a iskustva koja steknemo oblikuju nas u osobe koje smo danas. Zbog toga, stvari koje mi, kao pojedinci, naučimo na svom putu ne mogu uvek lako da se primene na situacije kroz koje prolazi neko drugi.</p>\n<p>Ipak, ponekad sagledavanje tuđih uspeha i grešaka može da nam pomogne da se bolje snađemo u sopstvenim životnim izazovima. Možemo da izbegnemo da napravimo istu grešku koju je napravio naš prijatelj ili, još bolje, možemo postati motivisani da postignemo jednak ako ne i veći uspeh kao neko iz našeg okruženja.</p>\n<p>Zbog toga sam odlučila da sa vama podelim ono što sam naučila pokušavajući da postanem frilenser. Spoiler alert – sada sam zaposlena u korporacji.</p>\n<p>Moja karijera je isla pomalo neuobičajenim putem. Nisam uopšte bila naklonjena informatici do pre pet godina. Tačnije nisam znala skoro ništa o toj oblasti. Bila sam potpuno fokusirana na fitnes industriju i radila sam isključivo kao fitnes trener od 2006. do 2015. To je za mene bio posao iz snova dok sam bila mlađa ali mi je oko moje 35. godine već pomalo dosadio.</p>\n<p>Tada sam otkrila WordPress i shvatila da se mnogobrojne prilike otvaraju bas sa poznavanjem ove platforme. A frilensing je jedna od njih. Tako da, ako ste trenutno u fazi kada vam se frilensovanje čini kao dobra ideja, nastavite da čitate.</p>\n<p>Pokušaću da detaljno opišem pet stvari koje sam naučila pokušavajući da postanem frilenser. Formulisala sam ih kao uopštene savete za početnike, ali neki od njih mogu da se primene i kada menjate kurs svoje frilens karijere.</p>\n<h3>Preispitajte svoje motive</h3>\n<p>Prva i najvažnija stvar koju treba da se zapitate pre nego što uradite išta u životu je zašto. “Zašto to radim?” Zbog čega želite da postanete frilenseri? Da li zbog toga što vam treba dodatni prihod? Ili zbog fleksibilnog radnog vremena? Ili da biste mogli da radite sa bilo koje lokacije na svetu? Ili frilensing vidite kao fazu pre nego što steknete dovoljno iskustva da možete da otvorite svoju agenciju.</p>\n<blockquote><p>Budite iskreni prema sebi. Popišite koji su to razlozi zbog kojih želite da budete frilenser. Ovo će vam kasnije pomoći pri izboru adekvatnog frilensing posla ili pri razmatranju neke druge alternative.</p></blockquote>\n<p>Na primer, ovo su bila moja tri glavna razloga:</p>\n<ul>\n<li>Prilika da naučim nesto novo i da se intelektualno razvijam u nekom novom pravcu</li>\n<li>Fleksibilno radno vreme – time što sam imala fleksibilno radno vreme bila sam u mogućnosti da izbednem dosadnu “od 9 do 5” rutinu</li>\n<li>Tiho i mirno radno okruženje, potpuno u suprotnosti sa teretanama u kojima je uvek bučno</li>\n</ul>\n<p>Nakon što ste preispitali svoje ciljeve i motive, i sigurni ste da želite da se bavite frilensingom, šta dalje? Moj predlog je naučite nešto što je vezano za WordPress.</p>\n<h3>Steknite znanja vezana za WordPress</h3>\n<p>Sada se možda pitate zašto baš WordPress. Za početak, zato što WordPress nudi mnoštvo raznovrsnih prilika, i to ne samo za developere.</p>\n<p>Iako, kad se pomene WordPress, prvo što će nekome pasti na pamet je ili developer ili web dizajner, postoji veliki broj različitih poslova vezanih za WordPress:</p>\n<ul>\n<li>Web developer (kodira sajtove, teme i dodatke)</li>\n<li>Web implementator (pravi sajtove od gotovih tema bez kodiranja)</li>\n<li>Web dizajner (dizajnira skice sajtova, edituje slike i kreira infografike za sajtove)</li>\n<li>Korisnička podrška (pomaže klijentima kada se nešto desi sa sajtom)</li>\n<li>Održavanje sajtova (redovno održava sajt, kreira bekape, ažurira teme, dodatke i sam WordPress)</li>\n<li>WordPress predavač (uči klijente kako da koriste WordPress ili uči druge web profesionalce koji se usavršavaju u nekoj oblasti)</li>\n<li>Pisac tekstova za sajtove</li>\n<li>Specijalista za aksesibilnost (vodi računa da određeni standardi budu ispunjeni i predlaže rešenja za barijere u aksesibilnosti)</li>\n<li>SEO konsultant</li>\n<li>Statističar (najčešće radi za velike onlajn prodavnice)</li>\n<li>WordPress asistent (unosi novi sadržaj i menja postojći)</li>\n<li>Specijalista za migracije (seli sajtove sa servera na server)</li>\n<li>Specjalista za web bezbednost</li>\n</ul>\n<p>Još jedan razlog zbog kojeg mislim da je dobro izabrati WordPress je jaka zajednica koja se okupila oko ovog CMS-a. Redovno se održavaju manja okupljanja (trenutno na daljinu) ali i ona veća koja su nazvana WordCamp (takođe na daljinu do daljnjeg) na kojima možete dobiti pregršt korisnih informacija i pitati druge profesionalce sve što vas interesuje. Zajednica je toliko velika i raznolika da ćete tu pronaći odgovor na skoro svako stručno pitanje. Mnogo je lakse započeti frilens karijeru kada su sjajni ljudi oko vas.</p>\n<h3>Planirajte unapred</h3>\n<p>Sada kada znate u kom ćete pravcu ići, vreme je da počnete da planirate svoju karijeru.</p>\n<p>Postati frilenser je proces. Na početku tog procesa potrebno je da steknete ili dodatno unapredite svoje veštine kojima ćete se istaći u odnosu na konkurenciju. I naravno kako učite i napredujete, moći ćete da prihvatate izazovnije i bolje plaćene poslove.</p>\n<p>Na koja se onda znanja fokusirati? Ukoliko već imate neko predznanje za neki od prethodno navedenih poslova, možete se dalje razvijati u tom pravcu i specijalizovati se za tu oblast.</p>\n<p>S druge strane, ukoliko nemate nikakvo relevantno predznanje, po mom mišljenju bi najlakše bilo započeti sa poslom koji ima kraći period učenja pa da kasnije nadograđujete znanje. Na primer, možete početi kao pisac tekstova za sajtove ili kao implementator jer se ti poslovi brže savladavaju nego poslovi vezani za SEO ili web development. Onda od pisanja sadržaja za sajtove možete proširiti znanje na SEO a od implementatora vremenom postati developer. Samo budite radoznali i ne prestajte da učite.</p>\n<p>Takođe, ukoliko imate specifične talente ili neki hobi kao npr. pisanje ili dizajn, možete da bazirate karijeru oko toga.</p>\n<blockquote><p>Najlepše je kad neko zarađuje od nečega što inače voli da radi.</p></blockquote>\n<p>Uz to, valjalo bi da proučite tržište pre nego što se “bacite” na učenje.</p>\n<p>Na primer, sada nije trenutak da se specijalizujete za pisanje sadržaja koji je vezan za putovanja, a pravi je momenat za sticanje veština koje, na bilo koji način, imaju veze sa onlajn prodavnicama i prodajom putem Interneta.</p>\n<p>Ukoliko želite da savladate web development, SEO, web dizajn ili web bezbednost, bitno je da se fokusirate na nove trendove, tehnologije i alate, kako bi vaše veštine bile primenljive i u budućnosti.</p>\n<p>Za različite poslove, uslovi rada mogu biti veoma različiti, pa bi i to valjalo imati na umu. Za neke vrste posla, radno vreme je fleksibilno, dok za druge, morate biti raspoloživi tokom određenog doba dana (ako radite kao korisnička podrška, na primer). I ovo bi trebalo da uzmete u obzir kada birate za koju oblast ćete se specijalizovati.</p>\n<h3>Konačno! Vreme je za prvi posao!</h3>\n<p>Ako ste zaposleni, bilo bi pametno da prištedite novac pre nego što napustite posao da biste se bavili isključivo frilensingom. Druga pametna opcija bi bila da vam na početku frilensing bude dodatni posao uz ono što već radite kako biste videli da li vam takav način rada odgovara ili ne. Ako postanete uspešni i shvatite da je frilensing nešto što odgovara vašim potrebama, tek tada napustite trenutni posao, ne pre toga.</p>\n<blockquote><p>Iako neki ljudi profitiraju kada rizikuju, dobro razmislite pre nego što preduzmete korake posle kojih nema nazad.</p></blockquote>\n<p>Evo nekoliko taktika koje su mi pomogle kada sam pokušavala da dobijem svoj prvi posao kao frilenser:</p>\n<p><i>Koristite platformu za frilensere</i> – iako nije obavezno, mnogo je lakše doći do prvog posla kada koristite neku platformu namenjenu frilenserima. U to doba, moj izbor je bio Upwork. Svakako, sada postoji i nekoliko drugih platformi pomoću kojih možete brže doći do prvog posla.</p>\n<p><i>Triput proverite svoju biografiju</i> – pretpostavljam da to nije nešto što bi trebalo da pomenem, ali svejedno ću naglasiti, za svaki slučaj. Ne pravite pravopisne greške u biografiji jer ćete time stvoriti utisak da niste temeljni i da će vam se greške lako potkrasti i dok obavljate svoj posao.</p>\n<p><i>Predstavite se profesionalno</i> – Uložite trud da svoje profesionalne veštine predstavite u najboljem mogućem svetlu, ali i dalje budite skromni. Nemojte napisati: “Najbolji WordPress developer koji nikada nije napisao loš kod”. Ovo nije zasnovano na dokazima i učiniće da izgledate arogantno. Umesto toga, možete napisati: “Web programer sa 3 godine iskustva i preko 50 zadovoljnih klijenata, specijalizovan za WordPress.” Ova izjava je zasnovana na činjenicama i deluje verodostojno.</p>\n<p><i>Popunite portfolio</i> – Ako imate bilo kakav prethodni rad (koji je naravno reprezentativan), trebalo bi da ga dodate u portfolio. Naglasak je na reprezentativan. Ako ne, možete da napravite nekoliko sajtova, dizajnirate skice sajtova ili napišete primere tekstova kako biste prikazali svoje veštine. Ovo se ne odnosi na sve poslove, kao što su SEO konsultanti ili korisnička podrška, ali ako imate priliku da napravite portfolio, iskoristite priliku.</p>\n<p><i>Koristite video materijale</i> – Kratki uvodni video će skrenuti pažnju na vas jer izrada promotivnog video materijala nije nešto što mnogi frilenseri rade. Pomoći će vam da delujete ljudskije i profesionalnije. Za svoje klijente nećete biti samo lista veština i prethodnih iskustava, već stvarna osoba koja zaista ima te veštine i iskustva i koja im pruža određenu uslugu.</p>\n<p><i>Imajte detaljnu strategiju pri izboru prvog poslodavca</i> – Birajte svog prvog poslodavca mudro. Ne mogu dovoljno da naglasim koliko je ovo važno, pa ću vam dati primer. Kada sam se prijavljivala za svoj prvi posao, uzela sam u obzir sledeće:</p>\n<ul>\n<li>Kako su ovog poslodavca ocenili drugi frilenseri koji su ranije radili za njega</li>\n<li>Kako je poslodavac ocenio druge frilensere</li>\n<li>Koliko novca je već potrošio na ovoj platformi i da li redovno objavljuje ponude za posao</li>\n<li>Broj otvorenih pozicija za ponuđeni posao i broj frilensera koji su se već prijavili. U mom slučaju, posao je imao oko 10 otvorenih radnih mesta, što je povećalo moje šanse za zapošljavanje, čak i u slučaju da je konkurencija velika.</li>\n</ul>\n<p>Kod prvog posla nije bitan samo novac – nemojte biti pohlepni. Ako budete dobro ocenjeni, vaš drugi posao može biti plaćen 2-3 puta više. A vaš treći posao može biti vrednovan i do 5 puta više. To je barem bilo moje iskustvo.</p>\n<h3>Vodite računa, odrasla ste osoba</h3>\n<p>Individualna odgovornost je ključna kada je u pitanju uspeh u frilensingu. Imate slobodu da izaberete za koga ćete raditi, kakav ćete posao prihvatiti i kako ćete isporučiti dogovoreno. A uz slobodu često dolazi i odgovornost. Oni su poput dve strane iste medalje.</p>\n<p>Nikada ne smete propustiti rok. Ako niste sigurni da ćete uspeti da završite, nemojte ni prihvatati posao ili, umesto toga, za svaki slučaj imajte nekoga vrlo pouzdanog da priskoči u pomoć ako zatreba. Kada propustite rok, vaš klijent gubi novac i ima puno pravo da se naljuti. Ovo će vrlo verovatno uticati na vaše ocene nakon obavljenog posla. A posledično, i na priliku da dobijete sledeći posao i tako dalje. To može pokrenuti silaznu spiralu za vašu karijeru.</p>\n<p>Međutim, svi smo ljudi i mogu se dogoditi nepredvidive stvari. Ako iz nekog razloga niste u mogućnosti da svoj posao obavite u roku, odmah obavestite svog klijenta kako bi imao dovoljno vremena da zaposli nekog drugog.</p>\n<p>Takođe je važno da sve bude jasno definisano unapred, pre nego što prihvatite posao. Obavestite svoje klijente o svojim očekivanjima i uverite se da razumete šta oni očekuju od vas. Na primer, ako treba da pišete tekst za sajt, uverite se da znate dužinu teksta u karakterima ili rečima, pitajte da li treba koristiti neke ključne reči i koliko često, koji stil pisanja preferira vaš klijent itd. A ako ste dizajner, navedite koliko je revizija uključeno u cenu.</p>\n<blockquote><p>Što je početni dogovor jasniji, to ćete na kraju biti zadovoljniji i vi i vaši klijenti.</p></blockquote>\n<p>Ako imate fleksibilno radno vreme, ne dozvolite da vas drugi ljudi prekidaju. Ako se vaši prijatelji i porodica ne bi svakodnevno pojavljivali u vašoj kancelariji da ste bankarski službenik, ne bi trebalo da vas prekidaju ni kada radite od kuće. To je isti princip i na vama je da postavite granice i obavestite ih o svom radnom vremenu. To nije njihov zadatak.</p>\n<p>Ovo su neke osnovne smernice koje su mi pomogle u započinjanju karijere frilensera i nadam se da će biti korisne i vama.</p>\n<blockquote><p>Ne postoji jedinstveni recept i jedna veličina ne odgovara svima kada je reč o putu kojim treba da krenete.</p></blockquote>\n<p>Važno je samo ostati fokusiran na svoje ciljeve i biti otvoren za nove mogućnosti.</p>\n<p>Ako ste se pitali zašto više nisam frilenser, evo odgovora. Stalnim sagledavanjem različitih mogućnosti, shvatila sam da frilensing nije jedini način da postignem svoje ciljeve. Postoje kompanije koje nude fleksibilno radno vreme i mirno radno okruženje, istovremeno stimulišući profesionalni rast i kreativno razmišljanje.</p>\n<p>Uz to, stekla sam nešto vrlo dragoceno pridruživanjem timu – moje kolege su postale moj sistem podrške i profesionalno i privatno, i to je ono što mi je nedostajalo dok sam bila frilenser.</p>\n<p>Želim vam puno sreće i uspeha u budućnosti, bez obzira na put koji ste odabrali!</p>\n<p>The post <a rel=\"nofollow\" href=\"https://heropress.com/essays/how-to-become-a-freelancer-a-few-things-i-learned-before-i-gave-up/\">How To Become A Freelancer – A Few Things I Learned Before I Gave Up</a> appeared first on <a rel=\"nofollow\" href=\"https://heropress.com\">HeroPress</a>.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Wed, 16 Sep 2020 06:00:13 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:15:\"Tijana Andrejic\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:34;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:112:\"WPTavern: Upcoming API Change Will Break Facebook and Instagram oEmbed Links Across the Web Beginning October 24\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=104140\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:269:\"https://wptavern.com/upcoming-api-change-will-break-facebook-and-instagram-oembed-links-across-the-web-beginning-october-24?utm_source=rss&utm_medium=rss&utm_campaign=upcoming-api-change-will-break-facebook-and-instagram-oembed-links-across-the-web-beginning-october-24\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:5294:\"<p>In an extraordinarily inconvenient API change, Facebook and Instagram will be <a href=\"https://developers.facebook.com/docs/plugins/oembed-legacy\">dropping unauthenticated oEmbed support</a> on October 24, breaking content across millions of websites. The change will force users to generate an app ID with a developer account in order to continue embedding links via oEmbed:</p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p><strong>Changes to tokenless access for User Picture and FB/IG OEmbed endpoints:</strong> By October 24, 2020, developers must leverage a user, app, or client token when querying Graph API for user profile pictures via UID, FB OEmbeds and IG OEmbeds. Developers should provide a user or app token when querying for profile pictures via a UID or ASID, though client tokens are supported as well. Please visit our changelog for <a href=\"https://developers.facebook.com/docs/graph-api/changelog/version8.0#users\">User Picture</a>, <a href=\"https://developers.facebook.com/docs/graph-api/changelog/version8.0#social-plugins\">Facebook OEmbed</a> and <a href=\"https://developers.facebook.com/docs/graph-api/changelog/version8.0#instagram\">Instagram OEmbed</a> for details on how to start calling these Graph API endpoints today.</p><cite><a href=\"https://developers.facebook.com/blog/post/2020/08/04/Introducing-graph-v8-marketing-api-v8/\">Facebook for Developers blog</a></cite></blockquote>\n\n\n\n<p>In 2008, Leah Culver, one of the collaborators on the <a href=\"https://oembed.com/\">oEmbed</a> spec, <a href=\"https://blog.leahculver.com/2008/05/announcing-oembed-an-open-standard-for-embedded-content.html\">said</a> it was created to be “an open web API standard for fetching embed code based on a URL.” Requiring authentication in order to use oEmbed links seems like a violation of its intended purpose. For more than a decade, oEmbed has made it possible for users to easily share media across websites and social networks, without having to touch any code. It underpins a flourishing, connected landscape of web sharing that opens up new audiences for posts that might otherwise be buried in a social network’s fast-moving timeline.</p>\n\n\n\n<p>In pursuit of a more secure walled garden, Facebook will now require all publishers to obtain developer app credentials in order to embed content that was previously available through simple URLs. Many users will be understandably frustrated when they find they can no longer embed Facebook and Instagram links the way they could in the past. Some will not be motivated to surmount the hurdle of setting up a Facebook app and may resort to posting screenshots or omitting the content altogether. A feature so widely used by non-technical users should not be suddenly locked away behind developer credentials.</p>\n\n\n\n<div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\"><p lang=\"en\" dir=\"ltr\">Facebook turning off its oEmbed endpoint for FB and Instagram is another brick in the wall around Facebook reality.</p>— ⚫ Your roots are in the infinite (@thejaymo) <a href=\"https://twitter.com/thejaymo/status/1305960256082784259?ref_src=twsrc%5Etfw\">September 15, 2020</a></blockquote>\n</div>\n\n\n\n<p>At the time of publishing, none of the original oEmbed spec authors were available for comment regarding Facebook’s API change, but we will update the post as new information becomes available.</p>\n\n\n\n<h2>WordPress to Remove Facebook and Instagram oEmbed Providers</h2>\n\n\n\n<p>In response to Facebook’s API change, WordPress will be <a rel=\"noreferrer noopener\" href=\"https://core.trac.wordpress.org/ticket/50861\" target=\"_blank\">removing Facebook as an oEmbed provider</a> in an upcoming core release. This will break a lot of content – many years’ worth of posts in some instances, and will require users to install a fallback plugin. WordPress plugin developer <a href=\"https://profiles.wordpress.org/ayeshrajans/\">Ayesh Karunaratne</a> has created a new plugin called <a href=\"https://wordpress.org/plugins/oembed-plus/\">oEmbed Plus</a> that brings back support for Facebook and Instagram content embedding. It guides users through the process of setting up Facebook developer app credentials.</p>\n\n\n\n<p>For those who are using the Gutenberg plugin, the Facebook and Instagram blocks have been <a href=\"https://github.com/WordPress/gutenberg/pull/24472\">removed</a> as part of tomorrow’s version 9.0 release. oEmbed links will continue to work until Facebook’s API change goes into effect.</p>\n\n\n\n<p>Moving forward, publishers will need to re-examine how they include social media links within their content. <a href=\"https://wptavern.com/wordpress-5-5-to-remove-hulu-from-list-of-supported-oembed-providers\">Hulu recently dropped oEmbed support</a> after being available as an oEmbed provider in WordPress for the past 11 years. As major players like Facebook and Instagram follow suit in abandoning open web API’s, the web is growing increasingly more fragmented. Facebook’s upcoming API change will leave millions of broken embeds in its wake, with little pieces of embedded history lost along the way, in instances where website owners are no longer updating their content.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Tue, 15 Sep 2020 22:47:12 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Sarah Gooding\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:35;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:82:\"WPTavern: Digging Into Recipe Card Blocks, WPZOOM’s Solution for Recipe Bloggers\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=104730\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:201:\"https://wptavern.com/digging-into-recipe-card-blocks-wpzooms-solution-for-recipe-bloggers?utm_source=rss&utm_medium=rss&utm_campaign=digging-into-recipe-card-blocks-wpzooms-solution-for-recipe-bloggers\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:8785:\"<p class=\"has-drop-cap\">After publishing a post about the new <a href=\"https://wptavern.com/start-a-recipe-blog-with-the-recipe-block-wordpress-plugin\">Recipe Block</a> plugin last week, several people were quick to point out that WPZOOM had released a recipe-related block plugin two years ago. Among them, was the plugin author, Pavel Ciorici. I had previously tested the <a href=\"https://wordpress.org/plugins/recipe-card-blocks-by-wpzoom/\">Recipe Card Blocks</a> plugin and thought it fit into that “overly complex” category that is not ideal for the average user who wants to share a recipe here or there. However, it may fit the bill for more dedicated recipe bloggers.</p>\n\n\n\n<p>Over the past few days, I have been testing the plugin and giving it a more in-depth second look.</p>\n\n\n\n<p><em>My thoughts on the plugin?</em> Not much has changed. I would still recommend the Recipe Block plugin that I covered last week for its simplicity and ease of use. However, this is not a comparison post. There is a lot to like about WPZOOM’s Recipe Card Blocks plugin, and it caters to a similar but somewhat different audience. It is also not a single block plugin and would never be in the official WordPress block directory in its current form. Instead, it is a more fully-featured recipe plugin. Blocks are merely its primary component.</p>\n\n\n\n<p>Recipe Card Blocks is packed full of options and features. If that’s your thing, it might interest you as a potential user. And, the pro version tacks on tons more, such as star ratings, social sharing, and adjustable serving sizes from the front end.</p>\n\n\n\n<h2>Recipe Card Blocks</h2>\n\n\n\n<img />Using the Recipe Card block in the editor.\n\n\n\n<p class=\"has-drop-cap\">The primary feature of the plugin is its Recipe Card block, which outputs Schema markup. This could give a search results boost or at least help search engines understand that you have a recipe on the site. For serious recipe bloggers, this is probably one of the most important features this plugin offers.</p>\n\n\n\n<p>The question is really if the plugin’s Recipe Card block is worth using. For users who want options, options, and more options, the plugin offers at least a couple dozen of them for this one block alone. It has a plethora of toggles, inputs, buttons, and other things to customize. The downside is that it can be a bit overwhelming. With so many options, it also means the plugin developers must maintain tighter control over the elements within the block, which can mean less flexibility in other ways.</p>\n\n\n\n<p>The block includes the standard fields that one might expect for a recipe card, such as servings, cook and prep time, ingredients and directions lists, and an image. However, it goes above and beyond by including extra features like:</p>\n\n\n\n<ul><li>Grouping for ingredients and directions.</li><li>Recipe video section.</li><li>Notes section.</li><li>Pinterest button.</li><li>Print button.</li></ul>\n\n\n\n<p>One of my favorite features of the Recipe Card block is that site readers can check off ingredients on the front end. For ingredient-heavy recipes, this can be a time-saver in the kitchen as you gather the things you need to get started.</p>\n\n\n\n<img />Ticking items off the ingredients checklist on the front end.\n\n\n\n<p>The default design is beautiful. There is ample spacing between elements. The sections are clearly separate so that there’s no confusion for the reader. It simply looks good.</p>\n\n\n\n<p>However, there are some limitations and issues. At times, the default design is too opinionated, overruling theme styles. It also does not support wide alignment and has a hard limit on its maximum width of 750 pixels. This could make it undesirable with some site designs. Nevertheless, the plugin team made generally smart design decisions. It should work well within most contexts.</p>\n\n\n\n<p>What makes the Recipe Card block tough to use is that end-users must jump back and forth between the post content area and the block options in the right sidebar panel. For example, users must add the course, cuisine, and difficulty text in the sidebar but add the servings, prep time, and cooking time in the content editor.</p>\n\n\n\n<p>Entering items in the ingredients or directions lists also requires more work than one might think. Typically, in visual editors, simply hitting the <code>Enter</code> key should create a new list item. This is not the case with the Recipe Card block. Even tabbing moves users to other controls instead of hopping between items in the list. It is particularly frustrating if you prefer to use the keyboard over the mouse.</p>\n\n\n\n<p>These usability issues keep the plugin from being simply a <em>good</em> plugin rather than a <em>great</em> plugin. User experience issues are not insurmountable. They can be addressed, and I hope the team can continue iterating on and improving the experience.</p>\n\n\n\n<p>I would also like to see the block opened up for the addition of other inner, sub-blocks. Currently, the layout is locked in place. While it may be suitable for some users, locking the block template means that users can neither move the current elements around nor add custom sections that suit their needs. Locking the block means that the plugin author retains control over much of the output, which can sometimes be a good thing — quality control. However, it makes the block less flexible.</p>\n\n\n\n<p>This inflexibility is somewhat mitigated with the plugin’s other blocks. While the Recipe Card block is the primary feature of the plugin, it does break its sub-elements down into individual blocks that users can use to create their own layout by dropping them into a Group or other container-type block. It offers the following extra blocks:</p>\n\n\n\n<ul><li>Details</li><li>Directions</li><li>Ingredients</li><li>Jump to Recipe</li><li>Print Recipe</li><li>Nutrition</li></ul>\n\n\n\n<img />Separate Nutrition block in the editor.\n\n\n\n<p>With a little ingenuity and perhaps a plugin like <a href=\"https://wordpress.org/plugins/block-pattern-builder/\">Block Pattern Builder</a> (a plugin that I maintain), end-users could create custom, reusable recipe layouts.</p>\n\n\n\n<h2>The Big Issue</h2>\n\n\n\n<p class=\"has-drop-cap\">The thing I dislike about the plugin the most is that it outputs a “RECIPE CARD PLUGIN BY WPZOOM” message in the front-end post content output. This message is hidden in the editor view. Plugin users can see it only on the front end. For the average user, there is no easy way to remove this message without upgrading to the pro version of the plugin, which costs at least $69.</p>\n\n\n\n<p>Frankly, commercializing the removal of a credit link a shady business practice. It is a tactic that preys on those who do not know how to code. <em>Sorry, I got no love to give for this.</em></p>\n\n\n\n<p>This was frowned up 10-15 years ago when theme authors were doing it. It should be frowned upon today when plugin authors do the same.</p>\n\n\n\n<p>Upsell custom branding. Upsell a 100 other things that <em><strong>add value</strong></em>. Don’t upsell removing a credit link that you are outputting in the user’s post content. This one problem with the plugin paints a stain over everything else that is good about it.</p>\n\n\n\n<h2>Final Thoughts</h2>\n\n\n\n<p class=\"has-drop-cap\">I do not want to end on a negative note. Recipe Card Blocks is a useful plugin for those who want more than a basic recipe block. It is almost more of a recipe management tool but not quite.</p>\n\n\n\n<p>I would have taken a different route with some of the development based on the publicly-known plans for the plugin. For example, I could see creating a recipe custom post type separate from the block system. Then, allow users to insert these “recipe posts” into the block editor. With plans to add custom taxonomies to the plugin, it makes sense to keep the whole data layer separate.</p>\n\n\n\n<p>It seems the plugin is torn between being a recipe block and a full recipe management plugin. I would like to see it fully commit to the latter because that seems to be the direction it is heading. However, from an architectural standpoint, it will need work to get there. It can still be done, despite two years of legacy code, and it has the opportunity to carve out its own space in the ecosystem.</p>\n\n\n\n<p>If the plugin’s development team would remove the upsell of the credit link, I would absolutely recommend this plugin to people who want to run a serious, full-time recipe blog. It has those extra features like a nutrition label, a print button, and Schema markup that give it an edge over some of the competition. For users who simply want to add a recipe on their blog from time to time, it is overkill.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Tue, 15 Sep 2020 21:25:24 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Justin Tadlock\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:36;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:42:\"Akismet: Introducing updated Akismet plans\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"http://blog.akismet.com/?p=2086\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:70:\"https://blog.akismet.com/2020/09/15/introducing-updated-akismet-plans/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:3109:\"<p>Since Akismet launched nearly 15 years ago, it has <a href=\"https://blog.akismet.com/2020/07/06/akismet-five-hundred-billion-with-a-b-spam/\">blocked 500 billion spam comments</a>. We’re proud to have saved you countless hours of moderation time, reduced frustration for millions of people, and helped make the web a more beautiful place.</p>\n<p>Akismet is the most powerful solution on the market for stopping spam, but spammers are continually inventing new ways to get past our filters. Adding new spam detection techniques will ensure we keep Akismet one step ahead of bad actors, but it will require additional investment. We don’t take changing prices lightly. In fact, we haven’t changed the price of the entry-level plan since it was introduced in 2005.</p>\n<p>For commercial sites, the price of Akismet will be better aligned to API usage. This means that as you use Akismet more, the cost per API call will decrease.</p>\n<p>For those that use Akismet on your personal sites — we’re 100% committed to offer Akismet at a price you can afford. Spam is a menace to the internet and we feel that everyone should have the ability to stop spam on their websites. Even if you’re not making money from your site, we want you to have the best spam filter available. We will continue to provide the option to pay what you can, and we thank you for helping to contribute to this project.</p>\n<p><strong>To our current customers, you don’t need to do anything now.</strong> Your plan will remain at its original price and API limits at least into 2021. If you’d like to switch plans or start a new account, your plan will start at the new price.</p>\n<p><img /></p>\n<p><strong>What’s different?</strong></p>\n<p><span>Personal</span></p>\n<p>No changes. For sites that don’t sell anything, advertise, or have affiliate links, Akismet is available for whatever amount you are able to pay.</p>\n<p><span>Plus</span></p>\n<p>Akismet will block spam on one site for up to 10,000 API calls and provide priority support for $8.33 per month billed yearly. The price for monthly billing is $10. That’s equal to two months free for selecting yearly billing.</p>\n<p><span>Enterprise</span></p>\n<p>We’re decreasing the price of our Enterprise plan! Yearly plans will now be $41.66 per month, with the total yearly cost at $500 instead of $550. For monthly billing, the price is staying the same at $50 per month. For enterprise plans, Akismet will block spam on multiple sites for up to 60,000 API calls per month, as well as provide priority support on all sites.</p>\n<p><span>Enterprise Plus</span></p>\n<p>For our largest customers, we’re happy to provide discounted pricing and dedicated support through this new plan. If your sites have more than 60,000 API calls per month, <a href=\"mailto:partners@akismet.com\">contact us</a> and we’ll be happy to set you up.</p>\n<p>Thank you for your continued support of Akismet. If you have questions specifically related to your own Akismet account or API key, then <a href=\"https://docs.akismet.com/\">please visit our Support page</a>.</p>\n<p> </p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Tue, 15 Sep 2020 15:59:06 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:10:\"Josh Smith\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:37;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:83:\"WPTavern: Podcasting During the Pandemic: Castos Sees 300% Growth in New Podcasters\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=102111\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:207:\"https://wptavern.com/podcasting-during-the-pandemic-castos-sees-300-growth-in-new-podcasters?utm_source=rss&utm_medium=rss&utm_campaign=podcasting-during-the-pandemic-castos-sees-300-growth-in-new-podcasters\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:6841:\"<img />“My Podcast Set I” by brainblogger is licensed with <a href=\"https://creativecommons.org/licenses/by/2.0/\">CC BY 2.0.</a> \n\n\n\n<p>Podcasting, like many other industries during the pandemic, is seeing a strong shift over the past six months, which has resulted in more shows and fewer listeners. While some avid podcast fans have taken solace in listening to their favorite shows to stay connected, many listeners who previously had podcasts built into their routines have turned to other forms of media consumption in the absence of a daily commute.</p>\n\n\n\n<p>In April, global podcast listening was <a href=\"https://blog.voxnest.com/coronavirus-impact-on-podcast-listening/\">up 42%</a> (and 53% in Europe) as lockdowns began in the U.S. and other parts of the world. Although listening in the U.S. went down 20%, certain verticals remained strong, such as true crime, music interviews, science, medicine, religion and spirituality, and self-improvement. </p>\n\n\n\n<div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\"><p lang=\"en\" dir=\"ltr\">worst part of still quarantining is the fact that I don’t drive anywhere so im super behind on my podcasts</p>— Brad Parbs (@bradparbs) <a href=\"https://twitter.com/bradparbs/status/1301571407437074433?ref_src=twsrc%5Etfw\">September 3, 2020</a></blockquote>\n</div>\n\n\n\n<p>Prior to the pandemic, the podcasting industry was experiencing a boom, with experts projecting marketers to spend <a href=\"https://www.searchenginejournal.com/marketers-will-spend-1-billion-on-podcast-advertising-by-2021-report/316499/#close\">over $1 billion in advertising by 2021</a>. The pandemic has thrown a wrench into the industry’s growth. In the months of continued isolation and social distancing, E-marketer recorded its first contraction in time spent listening since it began tracking in 2015 but estimates a rebound in the coming years.</p>\n\n\n\n<img /><strong><em>Source:</em></strong> <a rel=\"noreferrer noopener\" href=\"https://www.emarketer.com/\" target=\"_blank\">eMarketer</a>, June 2020 (<a rel=\"noreferrer noopener\" href=\"https://www.emarketer.com/content/time-spent-with-podcasts-will-dip-amid-pandemic-should-rebound-by-2022?ecid=NL1001\" target=\"_blank\">https://www.emarketer.com/content/time-spent-with-podcasts-will-dip-amid-pandemic-should-rebound-by-2022?ecid=NL1001</a>)\n\n\n\n<p>The pandemic may have temporarily stunted the growth of listeners, but the team at <a href=\"https://castos.com/\">Castos</a> is witnessing a new trend emerging: individual creators and businesses are finding the time and inspiration for firing up new shows. From April until now, the podcast hosting company has seen a 300% increase in new trials, and a 102% increase in MRR over last two years. Castos currently has nearly 2,000 paying customers. </p>\n\n\n\n<p>The company started in 2017 after non-technical founder Craig Hewitt acquired the <a href=\"https://wordpress.org/plugins/seriously-simple-podcasting/\">Seriously Simple Podcasting</a> plugin from its original creator, Hugh Lashborooke. Hewitt expanded the platform to allow both WordPress and non-WordPress users to create podcasts, and has grown the business to support seven remote, full-time employees. He attributes most of the industry’s fresh infusion of new shows to companies that are exploring new ways of getting into customers’ homes.</p>\n\n\n\n<p>“Many brands are finding that traditional marketing efforts are falling short in these turbulent times, but great content that serves a specific audience always has an impact,” Hewitt said. “Many companies are pivoting from more conventional paid acquisition approaches to building stronger and longer lasting relationships with their audiences through podcasting.”</p>\n\n\n\n<p>Hewitt said he expects the trend to continue after the pandemic subsides. Many of the companies Castos works with have reported that podcasting is likely to become a core part of their marketing efforts for the long haul, in both B2B and B2C environments. </p>\n\n\n\n<p>“Like the move to remote work many companies are seeing that podcasting isn’t hard to do, and provides great returns for them in terms of branding and as a top of funnel customer acquisition strategy,” Hewitt said. “Whether in the midst of Coronavirus or afterwards this will continue to be true and the momentum that podcasting has gained should continue.”</p>\n\n\n\n<p>Approximately 70% of Castos’ hosting customers are using the Seriously Simple Podcasting plugin. The hosting platform is unique in the podcasting market in that it automates YouTube Republishing, transcriptions, and Headliner integration, while allowing users to manage it all via WordPress. Castos recently hired Matt Medeiros, an experienced podcaster and YouTube creator, to help new podcasters keep pushing with their shows and convert into longterm customers. He shares Hewitt’s optimistic outlook on the future of the industry.</p>\n\n\n\n<p>“There were early reports that podcast download stats dropped in tandem with listener commute times, but I think that opened up opportunity for creators to really capture their most loyal audiences,” Medeiros said.</p>\n\n\n\n<p>“The other side of that coin are the businesses that needed to stay top of mind with the customers while their doors were closed. Spinning up a podcast is a perfect way to do that. Podcasts come in all shapes and sizes, so building one that’s tailored to your customers is what really matters and will survive through our post-pandemic ‘new normal.\'”</p>\n\n\n\n<p>Portability is the common denominator for podcasts – people are listening from their desktops, mobile devices, and smart speakers, using a variety of different apps. But audiences vary in their appetites for staying informed, educated, and entertained through the podcasting medium. Medeiros advises both new and established podcasters to find out what kind of show their customers want them to produce.</p>\n\n\n\n<p>“Podcasts don’t have to be cookie cutter,” Medeiros said. “If you spend time getting feedback from your customers or audience, you want to tailor the show around that. Do they like 15 minute news highlights or 3 hour 1-on-1 interviews? Do they want hard news or laugh out loud entertainment? What’s in it for them as a listener? What’s in it for you as a creator?</p>\n\n\n\n<p>“At the end of the day, the biggest opportunity for podcasting is that it opens the door to having your favorite creators and fans in the same room every time you publish an episode. It’s a chance to (literally) have a conversation and build trust through creative storytelling – your brand’s digital handshake.” </p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Tue, 15 Sep 2020 01:44:30 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Sarah Gooding\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:38;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:85:\"WPTavern: Plugin Authors Can Opt Into Email Confirmation for WordPress Plugin Updates\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=104653\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:215:\"https://wptavern.com/plugin-authors-can-opt-into-email-confirmation-for-wordpress-plugin-updates?utm_source=rss&utm_medium=rss&utm_campaign=plugin-authors-can-opt-into-email-confirmation-for-wordpress-plugin-updates\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:5149:\"<p class=\"has-drop-cap\">Overnight, the Meta Team for WordPress.org <a href=\"https://meta.trac.wordpress.org/changeset/10255\">flipped the switch</a> for a new plugin author feature in the official directory. It allows plugin authors to opt into confirming plugin updates via email. Release confirmations will strengthen security and make sure any updates sent in are intentional.</p>\n\n\n\n<p>Dion Hulse opened the <a href=\"https://meta.trac.wordpress.org/ticket/5352\">original ticket</a> six weeks ago with a detailed proposal and set of questions. <a href=\"https://wptavern.com/wordpress-5-5-eckstine-introduces-block-directory-block-patterns-and-automatic-updates-for-themes-and-plugins\">WordPress 5.5</a> introduced <a href=\"https://wptavern.com/automatic-theme-and-plugin-updates-slated-for-wordpress-5-5\">automatic updates</a> for plugin and theme authors. While auto-updates are completely opt-in for end-users, Hulse wanted to make sure that WordPress.org was on top of any potential disasters that may arise from the new system, such as accidental or even malicious plugin releases.</p>\n\n\n\n<p>“I’d like to propose that we add an extra optional step into the release flow for plugins, not intended on adding friction, but intending to ensure that plugin releases only get made when they’re intended to,” he wrote. “A simple Email confirmation.”</p>\n\n\n\n<p>At the moment, release confirmation via email is merely an opt-in feature that all plugin authors can take advantage of. However, the original proposal required it for high-usage plugins — there was never a definitive minimum install count that constituted “high usage” in the ticket.</p>\n\n\n\n<p>The general agreement on how this feature should work seems to be:</p>\n\n\n\n<ul><li>Opt-in for all plugin authors now.</li><li>Forced opt-in and no opt-out for high-usage plugins soon.</li><li>Opt-out for all other plugins in the future.</li></ul>\n\n\n\n<p>For larger plugins with multiple committers, there was some discussion on requiring confirmation from a separate committer who did not push the code live. This would essentially require two people to confirm that a plugin update is valid. This could potentially add to the friction that Hulse wanted to avoid in the original proposal. However, some friction for plugins with millions of installs might not always be such a bad thing. These plugins serve a massive user base and can damage WordPress’s reputation if a malicious actor gained commit access somehow. Having two people confirm an update is <em>a good kind</em> of friction in some cases.</p>\n\n\n\n<p>However, requiring two-person confirmation is a more nuanced discussion that will need to happen. For example, Chris Christoff brought up examples in the ticket of not being able to send updates for plugins with two committers when one is on vacation or when the committers live in different time zones. Perhaps this will be an opt-in feature for plugin companies that choose to go this route in the future, depending on what fits their release flow best.</p>\n\n\n\n<p>On the whole, the current implementation is a good starting position that will allow the community to iron out further details. This is about making WordPress more secure. If there is an extra step involved in publishing a code update, plugin authors should be on board with the process. Verifying the validity of a release sounds like a common-sense security feature. I would welcome WordPress.org making this a hard requirement — neither opt-in nor opt-out — in the long run after the feature has gone through a few rounds of real-world testing.</p>\n\n\n\n<p>Theme developers do not have access to this feature at this time. However, the theme authors do not have access to SVN and must submit updates via a ZIP file. It is a much more manual process and should not be subjected to the same number of potential mishaps as plugin updates.</p>\n\n\n\n<h2>How Plugin Authors Can Enable Release Confirmation Emails</h2>\n\n\n\n<img />Enable email release confirmation form for plugin authors.\n\n\n\n<p class=\"has-drop-cap\">Plugin authors should now see a new administration option for each of their projects listed in the official plugin directory. The Danger Zone section of the Advanced View tab should display a new sub-section for enabling release confirmation emails. From there, authors merely need to click a button to turn them on.</p>\n\n\n\n<p>It is important to note that, once enabled, release confirmation emails cannot be disabled from the same screen. Plugin authors are presented with the following notice before enabling the feature:</p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>Warning: Enabling release confirmations is intended to be a permanent action. There is no way to disable this without contacting the plugins team.</p></blockquote>\n\n\n\n<p>Do not let the warning put you off if you are a plugin author. This is a good thing. Go ahead and enable it on at least one plugin if you want to test it first. I already have done so for one of my plugins. It is a simple process and helps add one additional layer of security over your plugins.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Mon, 14 Sep 2020 20:34:09 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Justin Tadlock\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:39;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:48:\"BuddyPress: BuddyPress 6.3.0 Maintenance release\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:32:\"https://buddypress.org/?p=313809\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:48:\"https://buddypress.org/2020/09/buddypress-6-3-0/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:1260:\"<p>Immediately available is <a href=\"https://downloads.wordpress.org/plugin/buddypress.6.3.0.zip\">BuddyPress 6.3.0</a>. This maintenance release:</p>\n\n\n\n<ul><li>fixes 1 bug related to the 6.2.0 release,</li><li>fixes 2 bug related to the 6.0.0 release,</li><li>is a recommended upgrade for all BuddyPress installations.</li></ul>\n\n\n\n<p>For details on the changes, please read the <a href=\"https://codex.buddypress.org/releases/version-6-3-0/\">6.3.0 release notes</a>.</p>\n\n\n\n<p>Update to BuddyPress 6.3.0 today in your WordPress Dashboard, or by <a href=\"https://wordpress.org/plugins/buddypress/\">downloading from the WordPress.org plugin repository</a>.</p>\n\n\n\n<div class=\"wp-block-spacer\"></div>\n\n\n\n<h2>Many thanks to 6.3.0 contributors <span class=\"dashicons dashicons-heart\"></span></h2>\n\n\n\n<p> <a href=\"https://profiles.wordpress.org/DJPaul/\">Paul Gibbs (DJPaul)</a>, <a href=\"https://profiles.wordpress.org/scipi\">scipi</a>, <a href=\"https://profiles.wordpress.org/r-a-y/\">r-a-y</a>, <a href=\"https://profiles.wordpress.org/dcavins/\">David Cavins (dcavins)</a>, <a href=\"https://profiles.wordpress.org/webmasterfreya/\">webmasterfreya</a>, <a href=\"https://profiles.wordpress.org/imath/\">Mathieu Viet (imath)</a>.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Mon, 14 Sep 2020 17:26:10 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:12:\"Mathieu Viet\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:40;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:90:\"WPTavern: WordPress Themes Directory Adds New “Delist” Status for Non-Compliant Themes\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=104585\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:213:\"https://wptavern.com/wordpress-themes-directory-adds-new-delist-status-for-non-compliant-themes?utm_source=rss&utm_medium=rss&utm_campaign=wordpress-themes-directory-adds-new-delist-status-for-non-compliant-themes\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:4182:\"<p>In August, following the <a href=\"https://wptavern.com/astra-theme-suspended-and-reinstated-themes-team-works-toward-delisting-strategy-for-guideline-violations\">suspension of the popular Astra theme</a>, WordPress Meta contributors opened a ticket to add a new “delisting” status for non-compliant themes. Astra’s infraction, breaking the directory’s ban on affiliate links, put more than a million users at risk of not getting theme updates just as WordPress 5.5 was on deck for release. This week the team <a href=\"https://meta.trac.wordpress.org/changeset/10240\">committed a patch</a> for a delist status that will temporarily hide a theme from search, while still making it available directly. Alex Shiels outlined how the new status will work:</p>\n\n\n\n<ul><li>Delist is only available from a <code>published</code> state.</li><li>Relist will set the status back to <code>publish</code>.</li><li>Delisted themes are excluded from site search.</li></ul>\n\n\n\n<p>While a full suspension may seem like the best retributive action when theme authors violate directory guidelines, the necessity for users to be able to continue to get updates outweighs throwing the book at the author, especially for a first-time offense. A delisting policy is more restorative in that it seeks to maintain the connection that users have with the theme’s author instead of merely imposing a penalty that might ultimately have a negative impact on everyone involved.</p>\n\n\n\n<p>In the past, the Themes Team has been limited on available actions for responding to violations. Ionut Neagu, CEO of ThemeIsle, had his company’s popular Zerif Lite theme <a href=\"https://wptavern.com/zerif-lite-suspended-from-wordpress-theme-directory-300k-users-left-without-updates\">suspended from the directory in 2016</a> for a five-month period that left 300,000+ users without maintenance and security updates. It also resulted in a 63% decline in the company’s revenue for that theme, since ThemeIsle was using WordPress.org as the primary channel for distribution.</p>\n\n\n\n<p>Neagu remarked on how the new “delist” status provides a less severe transition back into the directory for popular themes:</p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>The practice of delisting is something that’s already been done by other companies in similar situations. For instance, delisting is what Google does all the time when they find a website that doesn’t comply. Then, the website is allowed to come back and appear on the ranking pages again when the issues are fixed.</p><p>In the end, I think this is a move in the right direction and an improvement to the process of what happens with a problematic theme.</p></blockquote>\n\n\n\n<p>Despite the controversial decision that slashed ThemeIsle’s revenue from $120k/month to $45k/month in 2017, the company continued to support the theme, as well as new products, with WordPress.org as the main place to find them. Neagu reported that when the theme was reinstated, its revenue continued to be hard hit. It lost momentum and was unable to ride the wave of its initial success. Astra faired much better in the aftermath of its violation, given its short-lived suspension.</p>\n\n\n\n<p>WordPress Themes Team member Alexandru Cosmin requested the ticket for adding the delisting status receive prompt attention, as the team is set to <a href=\"https://meta.trac.wordpress.org/ticket/5362#comment:13\">introduce some new policies</a> and requirements that are tied to it. The patch was committed and then reverted temporarily to review how it impacted theme trac tickets, but the bugs appear to be unrelated to the patch.</p>\n\n\n\n<p>The volunteer Themes Team has essentially been the de facto guardians of the WordPress.org marketplace that sends millions of dollars to theme authors, and they perform a great service to the community. But in the interest of supporting and accelerating the growth of the WordPress ecosystem, the team needs to adopt policies that create a more restorative path for violators, instead of obstructing the growth of products where issues have been quickly resolved.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Fri, 11 Sep 2020 22:59:30 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Sarah Gooding\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:41;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:95:\"WPTavern: Addressing the Theme Design Problem With Gutenberg’s New Block-Based Widgets System\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=104569\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:229:\"https://wptavern.com/addressing-the-theme-design-problem-with-gutenbergs-new-block-based-widgets-system?utm_source=rss&utm_medium=rss&utm_campaign=addressing-the-theme-design-problem-with-gutenbergs-new-block-based-widgets-system\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:5655:\"<p class=\"has-drop-cap\">I could hardly sleep last night. Once in a blue moon, I have an idea I want to try out. While my day job as a writer means I spend far less time breaking sites through the rigorous trials and errors of building plugins and themes, some problems bug me with WordPress, the sort that keeps me from dozing into restful and peaceful dreams.</p>\n\n\n\n<p>Last week, Gutenberg 8.9 <a href=\"https://wptavern.com/gutenberg-8-9-brings-block-based-widgets-out-of-the-experimental-stage\">dropped the experimental flag</a> from its block-based widgets system. Overall, it was a solid first outing for a feature that should land in WordPress 5.6 this December. However, the largest problem centered on how theme authors would be able to style widgets in traditional fashion. Because actual widgets are being phased out and replaced with blocks, theme authors will no longer have access to the standard widget and widget title classes. This is problematic because there is no predictable way to style all widgets of a particular sidebar to look the same.</p>\n\n\n\n<p>The classic example is of the <em>boxed</em> widget design. Many themes, such as the popular <a href=\"https://wordpress.org/themes/colibri-wp/\">Colibri</a>, employ such a design for their sidebars as shown in the following screenshot.</p>\n\n\n\n<img />Boxed widget design in right sidebar of Colibri theme.\n\n\n\n<p>In its current state, there is no reliable way for theme authors to create such a sidebar design via the block-based widgets system. Because there is no way to exert any sort of control over the structure of whatever content users will drop into a sidebar, it would be easy to look at this situation and think that theme designers are losing control.</p>\n\n\n\n<p>Based on a recent <a href=\"https://github.com/WordPress/gutenberg/issues/25174\">GitHub ticket</a> and a related <a href=\"https://wordpress.slack.com/archives/C02QB2JS7/p1599661386001500\">Slack discussion</a> from earlier this week, it does not appear that the Gutenberg development team intends to create parity between the old and new widgets systems, at least as far as theme design is concerned.</p>\n\n\n\n<p>It bears repeating. I am a fervent supporter of <a href=\"https://wptavern.com/rebirth-of-creativity-gutenberg-and-the-future-of-wordpress-themes\">handing over this type of ultimate control</a> to the user. However, we need to balance that with helping them to make smart choices.</p>\n\n\n\n<p>Theme authors must begin thinking about how this impacts the work they do and come up with creative solutions for sidebars, widgets, and other areas that will be affected by full-site editing in the future.</p>\n\n\n\n<h2>A Potential Solution</h2>\n\n\n\n<p class=\"has-drop-cap\">That thing that kept me up last night was an idea of combining block patterns, <a href=\"https://wptavern.com/block-patterns-will-change-everything\">one of my favorite features</a>, with widgets. The trouble was that the block-based widgets system does not currently support block patterns. And, until a quick discussion with Mark Uraine, one of Gutenberg’s designers, on a <a href=\"https://github.com/WordPress/gutenberg/issues/22875#issuecomment-689601857\">GitHub ticket</a>, the idea did not seem to even be on the table.</p>\n\n\n\n<p>For theme authors, the traditional sidebar and widget system of the past was nothing more than a pattern. WordPress provided theme devs with the ability to set a wrapping HTML element for the entire widget and the widget title. It was a rigid and inflexible system, but it was a reliable standard.</p>\n\n\n\n<p>Block-based widgets are the complete opposite. They are essentially a free-for-all where users can drop arbitrary content into a “block area.”</p>\n\n\n\n<p><em>What happens when we combine the structure of patterns with the flexibility of blocks inside of sidebars?</em></p>\n\n\n\n<p>That was the idea that got me out of bed and behind the computer screen early this morning after my restless night. It was such a simple concept. Theme authors could provide a “widget” pattern to their end-users. This would provide users with a choice between what the theme author thinks best and forging their own path — the best of both worlds.</p>\n\n\n\n<img />Simple example of recreating a boxed “widget” pattern.\n\n\n\n<p>And, here is where the beauty of the block system really comes in. Theme authors can create any number of patterns. This provides even more options for users.</p>\n\n\n\n<p>Regardless of whether the Gutenberg plugin currently supports patterns for the block-based widget system, the idea was simple to test. In a sidebar on the new widgets screen, I merely needed to add a new Group block with the <code>widget</code> class. Then, I added an H3 Heading block with the <code>widget__title</code> class. Those classes may even be unnecessary in the context of patterns unless theme authors want to directly target them. Outside of the custom classes, I added a simple background to the Group block and changed the text color of the Heading. I also inserted an empty paragraph where the user’s custom content would go.</p>\n\n\n\n<p>Afterward, it was a simple matter of testing it with various blocks.</p>\n\n\n\n<img /><em>Faux</em> block pattern in the widgets block editor.\n\n\n\n<p>I would love to know what theme authors and the Gutenberg team think of the idea. I think it has some merit while soothing some of the transitional pains between traditional widgets and block-based widgets.</p>\n\n\n\n<p>The biggest issue I see is the discoverability aspect. Will end-users know these “widget/block patterns” exist if theme authors went this route?</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Fri, 11 Sep 2020 18:56:14 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Justin Tadlock\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:42;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:72:\"WPTavern: AMP Plugin 2.0 Adds Onboarding Wizard and Expanded Reader Mode\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=104487\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:189:\"https://wptavern.com/amp-plugin-2-0-adds-onboarding-wizard-and-expanded-reader-mode?utm_source=rss&utm_medium=rss&utm_campaign=amp-plugin-2-0-adds-onboarding-wizard-and-expanded-reader-mode\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:4008:\"<p>The <a href=\"https://wordpress.org/plugins/amp/\">official AMP plugin for WordPress</a> recently crossed the 2.0 milestone, a major release that <a href=\"https://github.com/ampproject/amp-wp/milestone/28?closed=1\">closed 141 issues and merged 174 pull requests</a>. The release was originally planned for v1.6 but due to the number of major changes the team decided to bump it to 2.0.</p>\n\n\n\n<p>One of the most significant updates in this release is the expansion of the Reader Mode. The plugin has a lot of AMP-specific terminology associated with it and unless you are working with it every day, it’s easy to get confused by the different modes. Standard Mode is an AMP-first site where all URLs are presented as AMP pages. Transitional Mode uses one theme but canonical non-AMP URLs may offer a separate AMP version. Reader Mode uses two themes with the active one for canonical non-AMP URLs and a separate “Reader” theme for AMP URLs.</p>\n\n\n\n<p>Version 2.0 introduces a new AMP Customizer for customizing the Reader theme. It loads with a mobile view and does not support widgets or homepage settings, as they are not applicable for the AMP version. The AMP Customizer makes it easy for site owners to make tweaks and changes that will only apply to the AMP version of URLs.</p>\n\n\n\n<img />\n\n\n\n<p>The Reader Mode is especially useful for sites that are not using <a href=\"https://amp-wp.org/ecosystem/themes/\">AMP-compatible themes</a>. Google engineer Weston Ruter described the expanded Reader Mode as follows:</p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>Reader mode now allows for any AMP-compatible theme to be used to serve AMP pages, rather than just the legacy post templates. This allows for long-requested features including nav menus, logos, commenting, and template design variations. It also makes it possible to serve all URLs of a Reader-mode site in AMP, as opposed to just singular posts. </p></blockquote>\n\n\n\n<p>One major usability update in version 2.0 is the addition of an onboarding wizard and revamped Settings screen that guides users through the different templating modes when configuring the plugin. Users who are routed to Reader Mode will be presented with a selection of themes for serving AMP pages and the wizard will handle installation. The final step of the configuration process allows users to review their choices in a preview screen.</p>\n\n\n\n<img />\n\n\n\n<p>Given the complexity of the AMP plugin and its many configuration options, the onboarding wizard was a critical addition if the plugin is going to grow past 500,000 active installs to reach a larger number of non-technical users.</p>\n\n\n\n<p>Another notable update in this release includes a feature called “Plugin Suppression” that allows administrators to turn certain plugins off for AMP pages if they are causing validation errors. It also introduces mobile redirection for Transitional/Reader mode sites where AMP is intended to be the mobile version.</p>\n\n\n\n<p>AMP is still far from a plug-and-play experience for WordPress users but the plugin does a lot of the heavy lifting and is evolving towards becoming more approachable for non-technical users. To that end, the AMP plugin team just announced a new video series that will focus on success with WordPress as a content creator, as well as performance and usability.</p>\n\n\n\n<p>“We are crafting it with an audience in mind that covers both technical and non-technical users,” Google Developer Advocate Alberto Medina said. “The 2.0 version of the plugin makes an emphasis on providing options for users that are non technical but still want to take advantage of AMP to bring great page experiences to their users.” </p>\n\n\n\n<p>The series will launch next week on <a href=\"https://www.youtube.com/c/TheAMPProject\">Google’s AMP YouTube channel</a>. Medina is also working on another series geared towards content creators that will cover topics like Web Stories in the first episodes. </p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Thu, 10 Sep 2020 22:44:54 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Sarah Gooding\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:43;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:68:\"WPTavern: Start a Recipe Blog With the Recipe Block WordPress Plugin\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=104474\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:181:\"https://wptavern.com/start-a-recipe-blog-with-the-recipe-block-wordpress-plugin?utm_source=rss&utm_medium=rss&utm_campaign=start-a-recipe-blog-with-the-recipe-block-wordpress-plugin\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:4468:\"<p>“Organize your quarantine-inspired baking blog with a ‘Recipe’ block!” read the opening description of Kelly Choyce-Dwan’s new plugin, <a href=\"https://wordpress.org/plugins/recipe-block/\">Recipe Block</a>. That was enough to pique my interest. I love food. I love baking — mostly pizza and bread. Food-related plugins and themes almost inspire me to spin up a recipe blog of my own. <em>Almost.</em></p>\n\n\n\n<p>At least with plugins like this, I can dream of building that site. Or, I can vicariously live through those who have the inclination, passion, and drive to post recipes regularly.</p>\n\n\n\n<p>For far too long, building a recipe blog has required specialized themes or overly complex plugins. I have been eagerly awaiting a simple recipe block because I have known since Day 1 of Gutenberg’s launch that it would be well-suited to such a feature. Choyce-Dwan’s Recipe Block plugin makes the complex simple and brings recipe-blogging to any WordPress user.</p>\n\n\n\n<h2>Using the Recipe Block</h2>\n\n\n\n<ul><li class=\"blocks-gallery-item\"><img />Recipe Block</li><li class=\"blocks-gallery-item\"><img />Cover + Recipe Block</li><li class=\"blocks-gallery-item\"><img />EditorPlus + Recipe Block</li></ul>\n\n\n\n<p class=\"has-drop-cap\">Within a couple of minutes of installing and activating the plugin, I had a quick pizza recipe set up and published on my test install. It worked well with the several themes I tested it against. I did make a couple of spacing adjustments via CSS for my personal theme, but that is not uncommon for plugins that have front-end output.</p>\n\n\n\n<p>Technically, the plugin adds four blocks:</p>\n\n\n\n<ul><li><strong>Recipe:</strong> Primary block that houses other blocks.</li><li><strong>Information:</strong> Sub-block for adding servings, time, and difficulty level.</li><li><strong>Ingredients:</strong> Sub-block for listing ingredients.</li><li><strong>Directions:</strong> Sub-block for listing directions.</li></ul>\n\n\n\n<p>The Recipe block also makes use of the core Image and Heading blocks. It is as simple to use as nearly any other block. Add the block to a post via the inserter or the <code>/recipe</code> slash command. From there, end-users can customize the output to their heart’s content.</p>\n\n\n\n<p>Because the Recipe block itself lacks any custom colors or other stylistic options outside of wide and full-width alignment, the easiest way to spruce up the design a bit is to drop it into a Cover or Group block. Doing so provides a wider range of design options. For those users who need even more design control, Munir Kamal’s <a href=\"https://wptavern.com/control-block-design-via-the-editorplus-wordpress-plugin\">EditorPlus plugin</a> is a nice addition when wrapping it with the Group block.</p>\n\n\n\n<p>One of the best things about the Recipe block is that it is not locked. End-users can move sub-blocks around to their liking. It even allows nesting of other blocks. Not everyone creates the exact same type of recipe cards, so it makes sense to have some extra customizability.</p>\n\n\n\n<p>The block is also flexible enough for recipes that have multiple ingredients and directions lists. <em>So, that pie and pie crust recipe you want to share?</em> No problem. You can split the ingredients and directions so that your readers are not accidentally dropping lard into the pie filling.</p>\n\n\n\n<h2>Missing Features</h2>\n\n\n\n<p class=\"has-drop-cap\">The Recipe Block plugin is by no means ideal for every situation. Some features could make it stand out a bit more. For the most part, I wanted a few additional styling options.</p>\n\n\n\n<p>Choyce-Dwan makes it clear in the plugin description that it does not support Schema or structured content. That would make a nice block option for those who want to enable it.</p>\n\n\n\n<p>I would like to be able to change the text and background color of the main Recipe block. However, this is easily done by wrapping it with the core Group block. Ultimately, I would like to have the option to add some different styles to it, such as a custom border. Such a feature should probably land in core WordPress first so that there is a standard.</p>\n\n\n\n<p>It would be nice to allow users to change the font size and colors within the Information, Ingredients, and Directions blocks similar to how the core Paragraph block works. Again, you can wrap this with the Group block and at least set the colors at a higher level.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Thu, 10 Sep 2020 21:00:10 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Justin Tadlock\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:44;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:91:\"WPTavern: Deque Systems to Host Axe-Con Virtual Accessibility Conference, March 10-11, 2021\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=104433\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:223:\"https://wptavern.com/deque-systems-to-host-axe-con-virtual-accessibility-conference-march-10-11-2021?utm_source=rss&utm_medium=rss&utm_campaign=deque-systems-to-host-axe-con-virtual-accessibility-conference-march-10-11-2021\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:3263:\"<p><a rel=\"noreferrer noopener\" href=\"https://www.deque.com/\" target=\"_blank\">Deque Systems</a>, a widely respected accessibility firm that has <a href=\"https://wptavern.com/wordpress-accessibility-team-to-host-hackathon-with-deque-systems-at-wordcamp-us-2018\">contributed</a> to setting up automated accessibility testing for WordPress core, will be hosting a new “<a href=\"https://www.deque.com/axe-con/\">Axe-con</a>” virtual conference focusing on digital accessibility. Axe-con is named for the company’s <a href=\"https://github.com/dequelabs/axe-core\">axe-core</a> project, an open source library and accessibility testing engine that can be customized to integrate with all modern browsers and testing frameworks. It’s happening March 10-11th, 2021, and tickets are free.</p>\n\n\n\n<p>Learning how to create accessible experiences for the web is challenging. Axe-con will bring together experts from around the world who can accelerate that journey for developers, designers, business owners, accessibility professionals, and anyone involved in the team effort required to make digital experiences accessible. The event will feature multiple tracks with a variety of topics, including sustainable accessibility, compliance, best practices, and case studies from organizations leading large-scale accessibility efforts.</p>\n\n\n\n<p>For those interested in obtaining or maintaining IAAP (International Association of Accessibility Professionals) certification, attendance at Axe-con sessions can count towards <a href=\"https://www.accessibilityassociation.org/content.asp?contentid=395\">IAAP continuing education (CE)</a> credits.</p>\n\n\n\n<p>The event will also include a hackathon where attendees will have the opportunity to network with each other while coding and collaborating on accessibility projects. A few examples include testing open source component libraries and logging issues, building new axe integrations, and working on personal projects.</p>\n\n\n\n<p>Deque Systems is hosting this new conference the same week as the CSUN Assistive Technology Conference. The company is has attended and sponsored the event in the past but sees the need for a conference focused more on building accessible digital experiences. Deque could no longer meet this need by tackling those topics in a single sponsorship room limited to 100 people. When its CSUN 2020 sessions were forced to go virtual, the team discovered that thousands were able to join in on topics more related to digital accessibility.</p>\n\n\n\n<p>Organizers anticipate that attendees will join both CSUN and axe-con in 2021. By scheduling the events in the same week, they are hoping to help attendees make more efficient use of their time that would normally be set aside for traveling to an in-person conference.</p>\n\n\n\n<p><a href=\"https://www.deque.com/axe-con/register/\">Registration</a> is open and last week organizers reported there were already <a href=\"https://twitter.com/dboudreau/status/1301610760951431168\">more than 2,000 people signed up</a>. The Call for Papers will be open until 8:00PM ET Friday, October 23rd, 2020, and speakers will be notified by November 23. Talks will be broadcast in the Eastern timezone but international speakers are welcome.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Thu, 10 Sep 2020 05:23:40 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Sarah Gooding\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:45;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:71:\"WPTavern: Exploring Seedlet, Automattic’s Block-First WordPress Theme\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=104405\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:179:\"https://wptavern.com/exploring-seedlet-automattics-block-first-wordpress-theme?utm_source=rss&utm_medium=rss&utm_campaign=exploring-seedlet-automattics-block-first-wordpress-theme\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:5580:\"<img />\n\n\n\n<p class=\"has-drop-cap\">On August 26, Automattic <a href=\"https://wordpress.com/blog/2020/08/26/seedlet-wordpress-theme/\">launched a new theme titled Seedlet</a> that focused on integrating with the WordPress block editor. A few days later, it was also <a href=\"https://wordpress.org/themes/seedlet/\">live in the WordPress.org theme directory</a>. The theme development team wanted to produce a theme that would be in a good position to transition to full-site editing later this year as WordPress 5.6 lands.</p>\n\n\n\n<p>Seedlet makes wide use of features that integrate with the block editor. It does so in what is the simplest of ways, which is a testament to how much easier theme development is becoming in the dawn of the block-based themes era. The theme makes liberal use of theme-supported features like custom font sizes, colors, and gradients. It takes its integration an extra step by registering block styles and patterns.</p>\n\n\n\n<p>Seedlet almost feels like a skin around the block editor. It is a prime example of the future that we’re hurtling toward, which will mean less focus on code and more focus on design configuration. Themes will not be <em>themes</em> in the traditional sense. I use the term “skin” because it harkens to various systems in days gone by where designers simply added CSS to skin a site. WordPress themes will always be a bit more complex than a simple stylesheet but not much more so. We will be getting back to the basics of CSS and HTML.</p>\n\n\n\n<p>That is what I see when I look through the Seedlet theme’s code. While it still has copious PHP, there is an unmistakable structure that clearly says that that theme development is changing — and here is what it looks like as we transition.</p>\n\n\n\n<p>I have seen many themes that developers have built to work with the block editor. However, I have seen only a few that have taken a block-editor-first approach. It is almost subtle, and unless you have been neck-deep into theme development for years, you may miss it. Automattic’s theme team is riding the winds of change. Theme authors who want to ride along should pay attention to where this project goes in the coming months.</p>\n\n\n\n<p>The one thing I do not understand is why Automattic did not choose to add the “Block Editor Styles” tag to the theme. It clearly adds such styles. This is a missed opportunity to help users find themes compatible with the block editor.</p>\n\n\n\n<p>The theme will not suit everyone’s taste. It is a basic blogging theme at its core. However, its wide-open canvas makes it suitable for a variety of sites. The theme’s typography is on point, creating a comfortable reading pace for longer-form work. There is a lot to like about the theme, but I am primarily interested in what the development team has built for the block editor.</p>\n\n\n\n<p>Kjell Reigstad, the primary designer on the theme, also <a href=\"https://themeshaper.com/2020/08/31/introducing-seedlet/\">announced the team is working</a> on a completely block-based version called <a href=\"https://github.com/Automattic/themes/tree/master/seedlet-blocks\">Seedlet Blocks</a>. The current plan is to continue iterating on it and launching it as a separate, standalone theme in the future.</p>\n\n\n\n<h2>Experimenting With Block Patterns</h2>\n\n\n\n<p class=\"has-drop-cap\">While Seedlet includes only three block patterns, they immediately stood out to me. The patterns are not overly complex, but they are unique designs that make use of core blocks with a mixture of the theme’s presets, such as custom gradients and block styles.</p>\n\n\n\n<p>The “Group with Split Background” pattern uses a Group block with the theme’s preset diagonal gradient to create a background for an Image block. It is not a particularly groundbreaking design. However, the beauty is in the simplicity. It shows that theme authors can create interesting designs without adding extra CSS code.</p>\n\n\n\n<img />Group with Split Background pattern in the editor.\n\n\n\n<p>The theme’s “Group with Image Overlap” pattern kicks it up a notch in complexity. Starting with the same concept of a Group block with another custom gradient preset, it throws in a Columns block. In the left column, users can add two images, stacked. In the right column, users can add one image. The end result is a custom layout — primarily because of the gradient background — where the two images from the left column overlap the solid background.</p>\n\n\n\n<img />Front-end output of the Group with Image Overlap pattern.\n\n\n\n<p>The technique is simple in terms of code, but it takes a good designer to create the concept. We are just now scratching the surface of what theme designers will be able to accomplish when they begin thinking about applying various techniques to the block system. Seedlet has some of that sort of outside-the-box thinking with its use of gradients. We need to see more of that from the theming community.</p>\n\n\n\n<p>Admittedly, I am not a fan of the third pattern the theme adds. “Alternating Grid of Latest Posts” inserts the Latest Posts block into the editor with the theme’s custom “Alternating Grid” style. Mostly, I just do not care for the layout, but that is simply based on my personal taste.</p>\n\n\n\n<img />Alternating Grid of Latest Posts pattern in the editor.\n\n\n\n<p>On the whole, I love what the theme is doing with block patterns. This type of exploration is exactly what the WordPress community needs right now.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Wed, 09 Sep 2020 21:10:31 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Justin Tadlock\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:46;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:127:\"WPTavern: Jetpack Launches Email Marketing Tools with Creative Mail Integration, WooCommerce-Triggered Store Emails Coming Soon\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=104350\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:297:\"https://wptavern.com/jetpack-launches-email-marketing-tools-with-creative-mail-integration-woocommerce-triggered-store-emails-coming-soon?utm_source=rss&utm_medium=rss&utm_campaign=jetpack-launches-email-marketing-tools-with-creative-mail-integration-woocommerce-triggered-store-emails-coming-soon\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:6173:\"<p>Jetpack is firing up a new suite of email marketing tools in partnership with Endurance International Group’s Constant Contact brand. Last week <a href=\"https://wptavern.com/jetpack-8-9-adds-donations-block-newsletter-form-and-social-previews\">version 8.9</a> of the plugin introduced a new newsletter signup form inside its Form block, based on an integration with the <a href=\"https://wordpress.org/plugins/creative-mail-by-constant-contact/\">Creative Mail</a> plugin that Constant Contact recently launched as a solution tailored specifically to WordPress and WooCommerce. </p>\n\n\n\n<img />\n\n\n\n<p>The release post highlighted the ability to add WordPress posts and WooCommerce products into email marketing campaigns, but today the Jetpack team <a href=\"https://jetpack.com/2020/09/08/introducing-creative-mail-for-jetpack/\">elaborated</a> on where they are taking the integration. The features Creative Mail has on deck for future releases are heavily geared towards e-commerce stores. The initial launch includes the ability for store owners to sync their contacts to their email lists in order to market to them directly. Curt Raffi, Senior VP of Product Innovation at EIG, said WooCommerce-triggered store emails are on the way.</p>\n\n\n\n<p>“Soon, we’ll add automated customer lifecycle marketing journeys that are geared toward more advanced marketers and eCommerce seller,” Raffi said. The planned features include the following: </p>\n\n\n\n<ul><li>Create triggered, multi-step customer lifecycle marketing journeys</li><li>Send WooCommerce abandoned cart emails</li><li>Send post-purchase follow-up emails</li><li>Send emails about related products</li></ul>\n\n\n\n<p>Email marketing is a critical piece of the puzzle for online store owners looking to connect to customers, as they adapt to the pandemic with reduced foot traffic for brick and mortar locations. Stats from Campaign Monitor show that email send volumes <a href=\"https://www.campaignmonitor.com/blog/email-marketing/2020/05/best-times-to-send-email-during-2020-pandemic/\">increased by 31%</a> for a random selection of their customers with mid-sized email lists during the 30-day period after March 17 versus the 30 days prior to that. Despite a sizeable increase in send volumes, average open rates for these decreased only slightly, from 31% to 30%, while click-through rates remained the same at 4%. </p>\n\n\n\n<p>Even with all the perfunctory messages acknowledging “these uncertain times,” email is still an important channel for reaching customers. As social networks are becoming increasingly hostile and unfavorable environments for advertising, email stands as one of the few remaining direct lines where content won’t get instantly buried by potential customers doomscrolling their news feeds.</p>\n\n\n\n<p>Automattic CEO Matt Mullenweg commented on Twitter last month about the value of having a follower’s email address vs a connection on a social network. “So many of these people with newsletters should really be blogging,” Mullenweg said.</p>\n\n\n\n<p>“I do think that a follower you have an email address of and a direct relationship with is worth 1,000x a follower on a social network. Maybe it’s just about making things more website-first than email-first, especially for younger audiences that don’t use email.”</p>\n\n\n\n<div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\"><p lang=\"en\" dir=\"ltr\">Jetpack needs to make it much easier to blog and newsletter at the same time :)</p>— Stephane Boisvert (@stephBoisvert) <a href=\"https://twitter.com/stephBoisvert/status/1295794679754174464?ref_src=twsrc%5Etfw\">August 18, 2020</a></blockquote>\n</div>\n\n\n\n<p>One response to his tweet caught my attention – a suggestion that Jetpack make it more convenient to manage a website-first solution for email marketing. It looks like this idea was already in the works with Creative Mail and the Constant Contact partnership.</p>\n\n\n\n<p>Although Constant Contact already had an <a href=\"https://wordpress.org/plugins/constant-contact-forms/\">official plugin</a> for WordPress, it only has 40,000 installs. Compare that with MailChimp, which is far and away the <a href=\"https://www.datanyze.com/market-share/email-marketing--13/mailchimp-market-share\">market leader</a> when it comes to email marking providers. Mailchimp has many third-party plugins for WordPress, which collectively have more than a million users, including an official <a href=\"https://wordpress.org/plugins/mailchimp-for-woocommerce/\">Mailchimp for WooCommerce</a> plugin, with 800k+ active installs. Constant Contact stands to have a better chance penetrating the WordPress market by partnering with a highly successful plugin like Jetpack.</p>\n\n\n\n<p>Email marketing is not an easy plugin niche to break into, which is evident by the slow growth of newcomers like <a href=\"https://wordpress.org/plugins/newsletter-glue/\">Newsletter Glue</a>. The plugin is marketed as a <a href=\"https://mattreport.com/building-a-substack-alternative-with-wordpress/\">Substack alternative</a>, with its “Send as newsletter” feature inside the WordPress editor. It connects to different emails services, provides easy-to-share past issues, and creates a search engine-friendly newsletter archive. Despite all the promotion and buzz on social networks, the plugin only has ~30 active installs after one month in the official directory.</p>\n\n\n\n<p>With its deep integration with Jetpack and WooCommerce, Creative Mail has the chance to quickly become a contender among established WordPress email marketing plugins like <a href=\"https://wordpress.org/plugins/mailchimp-for-wp/\">MC4WP: Mailchimp for WordPress</a> (1 million+ installs), <a href=\"https://wordpress.org/plugins/mailpoet/\">MailPoet</a> (100k), <a href=\"https://wordpress.org/plugins/email-subscribers/\">Email Subscribers</a> (100k), and <a href=\"https://wordpress.org/plugins/newsletter/\">Newsletter</a> (300k). Creative Mail has a broader scope of features that it will be supporting, but it may be able to find success on the basis of Jetpack’s ubiquity.</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Wed, 09 Sep 2020 05:20:24 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Sarah Gooding\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:47;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:66:\"WPTavern: More Power in the Hands of WordPress Support Forum Users\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=104352\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:177:\"https://wptavern.com/more-power-in-the-hands-of-wordpress-support-forum-users?utm_source=rss&utm_medium=rss&utm_campaign=more-power-in-the-hands-of-wordpress-support-forum-users\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:6013:\"<p class=\"has-drop-cap\"><em>What level of control should users have over their WordPress support forum topics?</em> That is the question at the heart of a <a href=\"https://make.wordpress.org/support/2020/09/talking-point-allowing-self-archival-of-topics/\">recent discussion opened</a> by Mika Epstein on the Make Support blog. The goal is to grant more power to users, particularly when they post private or privileged information to the public forums.</p>\n\n\n\n<p>The proposal is twofold. One idea is to give users total control over deleting or “archiving” topics they create. This would remove it from public view at least. The second part of the equation would extend the amount of time users have to edit their topics.</p>\n\n\n\n<p>Currently, users can edit topics for one hour after posting. For the most part, this is reasonable. However, there are some cases where users inadvertently post sensitive data and need to remove it later. After their hour is up, the only solution for editing is to contact a forum moderator, increasing the burden on the WordPress support team. The easiest solution is to increase the length of time to edit.</p>\n\n\n\n<p>The big downside to editing topics is that they can be changed so much that replies are out of context. This can make discussions, particularly, lengthier ones with more replies, hard to follow. However, given the nature of the WordPress forums being for support instead of long-form discussion, increasing the time-to-edit should not hurt. It should help users fix mistakes and lighten the load on forum moderators. There are proposals for increasing the limit between three to seven days.</p>\n\n\n\n<p>In general, I am supportive of increasing the time-to-edit for forum topics. There is some room for abuse of the system, but such abuse will not likely outweigh the benefits. However, the ability to delete a topic does not sit well with me.</p>\n\n\n\n<p>I see the problem. WordPress’s user base has changed over the past decade. The average user from 10 years ago was tech-savvy enough to not drop private info — or info they are not legally allowed to share — into public forums. The game has changed. Users are no longer webmasters, running every aspect of their sites. They are using one-click installs to launch software they have no technical knowledge of. They do not know the difference between a debug log and server info. This is not a bad thing — the more WordPress users the more we inch toward that democratize-publishing goal. However, the makeup of WordPress’s users has shifted drastically to a point where many may not realize they are posting information they shouldn’t.</p>\n\n\n\n<p>The burden ultimately falls on forum moderators. They do all the cleanup, and it is likely overwhelming at times to keep up. It is a decision that should probably fall into their hands.</p>\n\n\n\n<p>One of the catalysts for this discussion was a forum topic from last week. “Someone had posted information that isn’t exactly ‘private’ but could land them in legal trouble for sharing,” wrote Epstein. “They did so by posting a debug log that had information that probably should not be public.”</p>\n\n\n\n<p>The WordPress support system has had a long-standing, in-house rule of not deleting posts except under extreme circumstances. However, the proposal would allow users to delete their own topics at any time.</p>\n\n\n\n<p>I dislike the idea of removing support forum topics. The best form of support is to already have a question answered. This gives others the ability to search and find the answer to their own questions. It allows moderators to link to existing answers for repeat questions. Allowing users to remove topics means that others could miss out on free knowledge.</p>\n\n\n\n<p>I ran a plugin and theme support forum for over a decade. It racked up hundreds of thousands of posts. I personally answered every question or made sure that each was answered by someone else. Over the years, the forums became a wealth of knowledge because, except in those extreme circumstances, no topic was ever deleted. Granted, my support burden was far lighter than that of the WordPress support moderators. However, past forum topics were an important tool in the arsenal.</p>\n\n\n\n<p>Moreso than my time running support, I have relied on past support forum topics for my edification throughout the years. Rarely has there been a time I have needed an answer that I could not find through a basic support search. No need to hassle others with my already-answered questions.</p>\n\n\n\n<p>I dislike the idea of deleting knowledge.</p>\n\n\n\n<p>Of course, we must weigh this against privacy. I doubt many users would take advantage of the ability to delete their topics. In those rare cases when they do, I imagine they will have a good reason for doing so, such as hiding information they no longer want to share publicly. Still, the idea does not sit well with me. I want a balance of retaining knowledge while removing personal data.</p>\n\n\n\n<p>I do have respect for privacy. There are steps WordPress.org could take. Users should absolutely be able to remove their own accounts from WordPress.org. Currently, they can remove any personal data from their profile, which is essentially the same thing. The one problem with this is if their username, which cannot be changed, identifies the person (e.g., I use <code>justintadlock</code> for many online accounts).</p>\n\n\n\n<p>I would still take this the extra step and allow users to completely delete their accounts. This would be a clean sweep, ensuring they did not accidentally miss something when clearing out their profile. After doing so, their former topics in the forums should simply be assigned to an anonymous account. It doesn’t matter who created a particular topic, only that the content still exists.</p>\n\n\n\n<p>What steps do you think WordPress.org should take to provide end-users more agency over their support topics?</p>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Tue, 08 Sep 2020 21:24:33 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Justin Tadlock\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:48;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:57:\"WordCamp Central: WordCamp Finland Online 2020 is coming!\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:39:\"https://central.wordcamp.org/?p=3128690\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:84:\"https://central.wordcamp.org/news/2020/09/08/wordcamp-finland-online-2020-is-coming/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:1942:\"<div class=\"entry-content\">\n<p>We are pleased to announce that the WordCamp Finland Online will on November 12 2020, 12:00-17:00 Helsinki time (UTC+2). <a href=\"https://www.worldtimebuddy.com/?qm=1&lid=658225&h=658225&date=2020-11-12&sln=12-17\">Check the time in your local timezone</a>.</p>\n<p>We are looking for speakers to present their knowledge, skills, experiences, and stories with the WordPress community. Applications from all areas of expertise are most welcome.</p>\n<p><strong>Call for Speakers is open now!</strong> Submissions will close on October 2, 2020. See all details and send your application on <a href=\"https://finland.wordcamp.org/2020/call-for-speakers/\">Call for Speakers page</a>.</p>\n<p>WordCamps would be nothing without awesome sponsors, helping us to cover the costs and providing great offers for attendees! Not forgetting all the useful information they provide.</p>\n<p>Call for Sponsors will open soon, we are currently finalizing our offerings for sponsors! If you are interested to sponsor WordCamp Finland Online 2020, make sure to subscribe for updates!</p>\n<p>Tickets to WordCamp Finland Online 2020 will be free of charge! Registration is not required but recommended for getting the full experience and all the offers from our sponsors.</p>\n<p>Remember to subscribe, using the form in the footer, to stay up to date regarding event news and announcements. We’ll be posting regularly in the months leading up to WordCamp Finland with information about speakers, tickets, and practical information.</p>\n<p>You will also be able to find updates from our <a href=\"https://twitter.com/wordcampfinland\">Twitter</a>. The official hashtag for WordCamp Finland Online is #WCFI. If you need to reach us you can comment on one of our social media posts or <a href=\"https://finland.wordcamp.org/2020/about/contact/\">contact us using the website</a>.</p>\n<p>We hope you’ll join us online in November!</p>\n</div>\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Tue, 08 Sep 2020 12:51:37 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Timi Wahalahti\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:49;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:94:\"WPTavern: iThemes Enters the WordPress Membership Plugin Market, Acquires Restrict Content Pro\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:30:\"https://wptavern.com/?p=104095\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:231:\"https://wptavern.com/ithemes-enters-the-wordpress-membership-plugin-market-acquires-restrict-content-pro?utm_source=rss&utm_medium=rss&utm_campaign=ithemes-enters-the-wordpress-membership-plugin-market-acquires-restrict-content-pro\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:6902:\"<p class=\"has-drop-cap\">Last Tuesday, iThemes announced it had <a href=\"https://ithemes.com/restrict-content-pro-is-joining-ithemes-family/\">acquired the Restrict Content Pro plugin</a> from Sandhills Development. iThemes is part of the Liquid Web family of brands. Pippin Williamson, Managing Director at Sandhills, said the company had no <a href=\"https://sandhillsdev.com/2020/09/a-long-bright-future-for-restrict-content-pro-with-ithemes-and-liquid-web/\">intention of selling the plugin</a> last October when talks of the acquisition began. However, moving forward has created some opportunities for his company and narrowed its focus to its existing products.</p>\n\n\n\n<p><a href=\"https://restrictcontentpro.com/\">Restrict Content Pro</a> will remain an independent product with its own website. However, iThemes will include it as part of its Plugin Suite and Toolkit product bundles from the iThemes website. The Plugin Suite bundle runs at $249 per year, which is the same as the regular Restrict Content Pro price. However, the bundle includes other products such as the company’s popular BackupBuddy plugin. The Toolkit bundle runs between $700 and $997 per year. It includes the Plugin Suite, a themes package, training, and more.</p>\n\n\n\n<p>This structuring of product sites falls directly within the company’s long-term plans. “Earlier this year we actually started down a number of avenues experimenting with moving some of our products off ithemes.com and over to their own sites,” said AJ Morris, the Product Innovation and Marketing Manager at iThemes. “When COVID became a pandemic, we paused a lot of those projects to provide relief and help to the WordPress community. Now that things have calmed down for us a bit, we’re going to continue on that path.”</p>\n\n\n\n<p>Outside of the change of ownership, end-users should not see much change with the plugin or the site. Users should expect some admin-side changes in the future as the new development team refreshes the plugin.</p>\n\n\n\n<h2>The Membership Plugin Space</h2>\n\n\n\n<p class=\"has-drop-cap\">Membership plugins represent a slice of the overall WordPress market that still has no true dominant player. There are several solutions out there, but it is still an emerging area that any company can dive into and see returns on with a solid product. It is a niche that will undoubtedly continue growing along with WordPress and has plenty of untrodden ground just waiting for the right people to take their first steps across. There will always be a need for more fine-tuned control over users and permissions than what WordPress offers out of the box. </p>\n\n\n\n<p>“We are always in the market looking at other plugins that make sense for our business,” said Morris of why they made the acquisition. “Our audience is primarily freelance developers that are building a wide range of sites for clients. Over the years, we’ve focused on a number of non-utility products (like iThemes Exchange) and we learned a lot during that time. We’ve also learned a lot over the years of running our own membership site. For us looking at a membership plugin played with into the iThemes strategy and really the Liquid Web strategy as a whole.”</p>\n\n\n\n<p>I spent nine years developing and maintaining a membership-related plugin but sold it in 2019. If there is one lesson I learned during that time, it’s that no two sites have the exact same membership needs. There is always room for individual companies to build a product that meets specific user needs in the membership space.</p>\n\n\n\n<p>“What I feel like is everyone is currently trying to create the best Swiss Army knife,” said Morris. “I don’t think that anyone sets out saying I want to be good at all things, but when you’re developing a plugin that has so much possibilities for the market it serves, you have to feel out where you want to play and claim stake to that area. You become the best you can in that area and work at making sure you succeed there. Then you can start to properly branch out to other segments of the space that are within close proximity to where your core is.”</p>\n\n\n\n<p>iThemes is stepping into the game at an ideal time. Restrict Content Pro is currently a $500,000+ per year product, according to Williamson. In the right hands and with continued growth, it could become the go-to solution for memberships in the WordPress ecosystem. iThemes has a solid history in the plugin space. This is a good opportunity to see where they take the project.</p>\n\n\n\n<h2>The Future of Restrict Content Pro</h2>\n\n\n\n<p class=\"has-drop-cap\">Morris said that Sandhills Dev already had a solid short to mid-term plan for the plugin. These plans are providing iThemes with a head-start on features and ideas, some of which are already in progress. The team’s plan is to continue down this path, which matches some of the areas the company wanted to address.</p>\n\n\n\n<p>“After that, we’ve got some ideas, but we also want to get to know the community around Restrict Content Pro,” said Morris. “[Matt Danner] has mentioned in several places that the RCP community is more developer-centric while the iThemes community is historically not. Right now we’re in listening mode. We’re starting conversations all over the web with RCP customers to get a sense of what they are looking at and apply those learnings with where we want to take RCP in the membership space. Right now, I think it’s a bit premature to talk about specific features we’re including or what direction we’re fully going.”</p>\n\n\n\n<p>The one area that is currently lacking is the free <a href=\"https://wordpress.org/plugins/restrict-content/\">Restrict Content plugin</a>. Its user base is still relatively small (10,000 active installs). Its average 3.7 star-rating from end-users does not spell confidence, but it could be brought up with some active work.</p>\n\n\n\n<p>Restrict Content Pro has long had the benefit of being associated with Williamson and Sandhills Development’s other products like Easy Digital Downloads and AffiliateWP. All of these projects fit well together — often a user of one plugin needs at least one of the others. The pro plugin has likely not relied on the traffic from WordPress.org for success. However, it would not hurt to bring those numbers up. While the install count from the free version does not always directly correlate to success with commercial versions, it is usually a good indicator. Putting some resources behind beefing up the free plugin could translate to better returns in the long term.</p>\n\n\n\n<p>Morris said that iThemes will be sharing news about the free Restrict Content plugin soon. 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INSERT INTO `wp_posts` VALUES (4,1,'2017-07-06 13:40:52','2017-07-06 12:40:52','<label> Your Name (required)\r\n [text* your-name] </label>\r\n\r\n<label> Your Email (required)\r\n [email* your-email] </label>\r\n\r\n<label> Subject\r\n [text your-subject] </label>\r\n\r\n<label> Your Message\r\n [textarea your-message] </label>\r\n[quiz quiz-508 \"28-8=?|20\"]\r\n[submit \"Send\"]\n1\ninsolvency-service. \"[your-subject]\"\n[your-name] <wordpress@insolvency-service.co.uk>\ninsolvency-service@info.co.uk\nFrom: [your-name] <[your-email]>\r\nSubject: [your-subject]\r\n\r\nMessage Body:\r\n[your-message]\r\n\r\n-- \r\nThis e-mail was sent from a contact form on insolvency-service. (http://insolvency-service.co.uk)\nReply-To: [your-email]\n\n\n\n\ninsolvency-service. \"[your-subject]\"\ninsolvency-service. <wordpress@insolvency-service.co.uk>\n[your-email]\nMessage Body:\r\n[your-message]\r\n\r\n-- \r\nThis e-mail was sent from a contact form on insolvency-service. (http://insolvency-service.co.uk)\nReply-To: bensykes@bensykes.co.uk\n\n\n\nThank you for your message. It has been sent.\nThere was an error trying to send your message. Please try again later.\nOne or more fields have an error. Please check and try again.\nThere was an error trying to send your message. Please try again later.\nYou must accept the terms and conditions before sending your message.\nThe field is required.\nThe field is too long.\nThe field is too short.\nThe date format is incorrect.\nThe date is before the earliest one allowed.\nThe date is after the latest one allowed.\nThere was an unknown error uploading the file.\nYou are not allowed to upload files of this type.\nThe file is too big.\nThere was an error uploading the file.\nThe number format is invalid.\nThe number is smaller than the minimum allowed.\nThe number is larger than the maximum allowed.\nThe answer to the quiz is incorrect.\nYour entered code is incorrect.\nThe e-mail address entered is invalid.\nThe URL is invalid.\nThe telephone number is invalid.','Contact form 1','','publish','closed','closed','','contact-form-1','','','2019-01-16 10:48:53','2019-01-16 10:48:53','',0,'http://insolvency-service.co.uk/?post_type=wpcf7_contact_form&p=4',0,'wpcf7_contact_form','',0),(6,1,'2017-07-06 15:49:24','2017-07-06 14:49:24','','newipsearch','','publish','closed','closed','','newipsearch','','','2017-08-24 11:43:54','2017-08-24 10:43:54','',0,'http://insolvency-service.co.uk/newipsearch-htm/',1,'page','',0),(7,1,'2017-07-06 15:49:24','2017-07-06 14:49:24','','officemap.htm','','publish','closed','closed','','officemap','','','2017-08-24 11:57:21','2017-08-24 10:57:21','',0,'http://insolvency-service.co.uk/officemap-htm/',2,'page','',0),(8,1,'2017-07-06 15:49:24','2017-07-06 14:49:24','','/ddirector-brobrusearch.htm','','publish','closed','closed','','ddirector-brobrusearch-htm','','','2017-07-06 15:49:24','2017-07-06 14:49:24','',0,'http://insolvency-service.co.uk/ddirector-brobrusearch-htm/',3,'page','',0),(9,1,'2017-07-06 15:49:25','2017-07-06 14:49:25','','viewpiucasedetails.asp','','publish','closed','closed','','viewpiucasedetails-asp','','','2017-07-06 15:49:25','2017-07-06 14:49:25','',0,'http://insolvency-service.co.uk/viewpiucasedetails-asp/',4,'page','',0),(10,1,'2017-07-06 15:49:25','2017-07-06 14:49:25','','greenbook.htm','','publish','closed','closed','','greenbook-htm','','','2017-07-06 15:49:25','2017-07-06 14:49:25','',0,'http://insolvency-service.co.uk/greenbook-htm/',5,'page','',0),(12,1,'2017-07-06 15:50:18','2017-07-06 14:50:18','','Home','','publish','closed','closed','','home','','','2017-07-06 15:50:18','2017-07-06 14:50:18','',0,'http://insolvency-service.co.uk/2017/07/06/home/',1,'nav_menu_item','',0),(13,1,'2017-07-06 15:50:19','2017-07-06 14:50:19',' ','','','publish','closed','closed','','13','','','2017-07-06 15:50:19','2017-07-06 14:50:19','',0,'http://insolvency-service.co.uk/2017/07/06/13/',2,'nav_menu_item','',0),(14,1,'2017-07-06 15:50:19','2017-07-06 14:50:19',' ','','','publish','closed','closed','','14','','','2017-07-06 15:50:19','2017-07-06 14:50:19','',0,'http://insolvency-service.co.uk/2017/07/06/14/',3,'nav_menu_item','',0),(15,1,'2017-07-06 15:50:20','2017-07-06 14:50:20','','Search','','publish','closed','closed','','search','','','2017-07-06 15:50:20','2017-07-06 14:50:20','',0,'http://insolvency-service.co.uk/2017/07/06/search/',4,'nav_menu_item','',0),(16,1,'2017-07-06 15:50:20','2017-07-06 14:50:20',' ','','','publish','closed','closed','','16','','','2017-07-06 15:50:20','2017-07-06 14:50:20','',0,'http://insolvency-service.co.uk/2017/07/06/16/',5,'nav_menu_item','',0),(17,1,'2017-07-06 15:50:20','2017-07-06 14:50:20',' ','','','publish','closed','closed','','17','','','2017-07-06 15:50:20','2017-07-06 14:50:20','',0,'http://insolvency-service.co.uk/2017/07/06/17/',6,'nav_menu_item','',0),(18,1,'2017-07-06 15:50:21','2017-07-06 14:50:21',' ','','','publish','closed','closed','','18','','','2017-07-06 15:50:21','2017-07-06 14:50:21','',0,'http://insolvency-service.co.uk/2017/07/06/18/',7,'nav_menu_item','',0),(128,2,'2017-08-24 11:43:54','2017-08-24 10:43:54','','newipsearch','','inherit','closed','closed','','6-revision-v1','','','2017-08-24 11:43:54','2017-08-24 10:43:54','',6,'http://insolvency-service.co.uk/2017/08/24/6-revision-v1/',0,'revision','',0),(129,2,'2017-08-24 11:57:21','2017-08-24 10:57:21','','officemap.htm','','inherit','closed','closed','','7-revision-v1','','','2017-08-24 11:57:21','2017-08-24 10:57:21','',7,'http://insolvency-service.co.uk/2017/08/24/7-revision-v1/',0,'revision','',0),(211,2,'2017-08-24 11:30:34','2017-08-24 11:30:34','<h1>Bankruptcy Annulment</h1>\r\n<p class=\"summary\">In certain circumstances, a bankruptcy order can be reversed or annulled. This can only be done by court order.</p>\r\nYou can seek to get your <strong>bankruptcy cancelled</strong> under the following circumstances.\r\n<ul>\r\n <li>The bankruptcy order should not have been made in the first place as you had not received the proper advice before the bankruptcy order was made. It may be the case that a solution of than bankruptcy may be still be preferable to all parties involved.</li>\r\n <li>The bankruptcy order should not have been made due to errors in process and protocol. If all parties (you, all creditors, court) acted on incorrect or incomplete information, then the bankruptcy should have been avoided.</li>\r\n <li>All your bankruptcy debts and the fees and expenses of the bankruptcy proceedings have been either paid in full or secured (guaranteed) to the satisfaction of the court.</li>\r\n <li>You have had an IVA proposal approved to repay a percentage of debts over 5 years in return for a full and final settlement.</li>\r\n</ul>\r\n<div id=\"BottomCalltoAction\">\r\n<h2>What To Do Next</h2>\r\nIf you have recently been made bankrupt, but believe there is grounds for an annulment, please contact us for free advice.\r\n\r\nAn annulment means that it is as if the bankruptcy order was never made.\r\n\r\n</div>','Annulment','','publish','closed','closed','','annulment','','','2017-08-24 12:49:41','2017-08-24 11:49:41','',0,'http://insolvency-service.co.uk/annulment',0,'page','',0),(212,2,'2017-08-24 11:30:35','2017-08-24 11:30:35','<h1>Bankruptcy and Your Assets</h1>\r\n<p class=\"summary\">When made bankrupt, you surrender all possessions of value, including any interest in your home. Control of everything you own passes to the Trustee.</p>\r\nThe Trustee must be informed of all assets, it is their decision as to what you can keep.\r\nThe Trustee takes control of all assets not exempt from bankruptcy. They will arrange for their sale, using the proceeds to pay the fees, costs and expenses of the bankruptcy, before paying the creditors.\r\n\r\nNormally, the sale of any asset should be expected to raise at least £500 towards the bankruptcy for it to be worthwhile for the Trustee to claim it.\r\n\r\nWhen the bankruptcy order is made, your bank and savings accounts are seized by the Trustee. If in credit, the balance is a asset in the bankruptcy.\r\n<h2>Items excluded from Bankruptcy</h2>\r\nIt is only reasonable that you be allowed to keep essential items and are not impeded from earning a living. Items which can to be excluded from bankruptcy include:-\r\n<ul>\r\n <li>Household items essential for basic domestic needs. e.g. Clothes, Furniture, TV etc.</li>\r\n <li>A modest vehicle depending on circumstances, see - <a href=\"Cars \">Bankruptcy & Your Car</a>.</li>\r\n <li>A residential tenancy.</li>\r\n <li>Items needed for trade or employment such as tools and computing equipment.</li>\r\n <li>Money held in pension funds, see - <a href=\"Pensions \">Bankruptcy & Your Pension</a>.</li>\r\n <li>Money obtained from a student loan, if a balance of the loan remains payable.</li>\r\n</ul>\r\nFor information about property see - <a href=\"Home-Property \">Bankruptcy & Your Home</a>.\r\n<h2>Disposing of your Assets before Bankruptcy</h2>\r\nIf Bankruptcy is looming and unavoidable, you are well advised to take personal responsibility for the sale of any assets that would otherwise be sold by the Trustee, especially your car. The Trustee would put the items for sale at public action with the intention of getting a reasonable price in the quickest time. If you can raise more money be selling the items by other means, you should do so. This may even prevent the bankruptcy if you can raise enough cash to offer a full and final settlement.\r\n\r\nWhat you <strong>must not do</strong> is give way or sell your belongings as less than their true value. This is called making <a href=\"Restriction-Orders \">Transactions At Under Value</a>. This is not allowed and may result in a Bankruptcy Restriction Order.\r\n<h2>Unreasonable Assets.</h2>\r\nA question we are often asked is, <strong>What is a unreasonable asset?</strong>\r\nGenerally speaking, if you can sell a high value item and can buy a cheaper replacement with a substantial amount money remaining, then that is considered an <strong>unreasonable asset</strong> and may be claimed by the Trustee.\r\nSomething valuable but nonessential to basic domestic living, especially if it requires money to maintain, like a Horse, will also be considered to be an <strong>unreasonable asset</strong>.\r\n<h2>Assets obtained or received during bankruptcy</h2>\r\nAny assets or monies obtained from any source whilst serving bankruptcy (ie before discharge) may be claimed as part of the bankrupt\'s estate by the Trustee. It\'s an offense not to disclose such information. This includes:-\r\n<ul>\r\n <li>Anything bequest in a will, for example a property.</li>\r\n <li>Something of little value at the time of the bankruptcy order, but rising in value before bankruptcy discharge.</li>\r\n <li>Claims made against another person through court proceedings.</li>\r\n <li>Any other windfall.</li>\r\n</ul>\r\nIf you know your are to be the benefactor of a will, you may be well advised to get that will changed to the name of an non-serving bankruptcy until you are discharged from bankruptcy.\r\n<div id=\"BottomCalltoAction\">\r\n<h2>What To Do Next</h2>\r\nIf you are concerned about the prospect of losing your possessions in bankruptcy then <strong>CALL US</strong> or submit the<strong> INSTANT ADVICE </strong> form for<strong> Immediate Free Advice.</strong>\r\n\r\nIf you can avoid bankrupcy by doing an <a href=\"IVAProsCons \">IVA</a> instead, you have a better prospect of keeping your home, car and other belongings.\r\n\r\n</div>','Assets','','publish','closed','closed','','assets','','','2017-08-24 12:50:12','2017-08-24 11:50:12','',0,'http://insolvency-service.co.uk/assets',0,'page','',0),(213,2,'2017-08-24 11:30:35','2017-08-24 11:30:35','[vc_row 0=\"\"][vc_column][vc_column_text 0=\"\"]\n<div id=\"container1\">\n<div id=\"pageName\"></div>\n<div id=\"contentwrap\">\n<div id=\"maincontent\">\n<div id=\"pageleft\">\n<h2>Bankruptcy & Bank Accounts</h2>\n<p class=\"summary\">When a bankruptcy order is made, the bankrupt must stop using their cheque book and bank cards, and immediately surrender them to the Official Receiver.</p>\nAccounts are normally frozen by the bank when they learn about the bankruptcy order.\n\nTherefore, you need to make arrangements need to be made with your existing bank to receive money and pay standing orders, direct debits etc. Opening a new bank account just before the bankruptcy order is made is not advised as this account will also be frozen.\n\nSome banks allow bankrupts to continue to use existing accounts. Even if the bank agrees to this, they will freeze the account when they become aware of the bankruptcy order.\n<h2><a href=\"http://insolvency-service.co.uk/bankruptcy-iva-comparison\"><img class=\"alignnone size-full wp-image-412\" src=\"http://insolvency-service.co.uk/wp-content/uploads/2017/08/pound-people.jpg\" alt=\"\" width=\"960\" height=\"560\" /></a>Bank Accounts in Credit at Bankruptcy</h2>\nMoney in an account at the date of the bankruptcy order is an <strong>asset</strong> in the bankruptcy. The Offical Receiver may allow the use of some of this money for essential living expenses.\n\nIn the case where the<strong> bank account is in joint names</strong>, the Offical Receiver decides how much of the money to release to each of the joint account holders.\n<h2>Bank Accounts Overdrawn at Bankruptcy</h2>\nAny overdraft or outstanding balance on credit cards is a <strong>debt</strong> in the bankruptcy. Therefore, payments must not be paid directly to the bank, unless it is a secured debt. This is because the bankrupt would be giving the bank preferential treatment over other creditors. The Offical Receiver decides which debts are paid and, in which proportions.\n\nFor bank account is in joint names, all parties are jointly responsible for the whole debt. This is the same for any joint credit agreement. Therefore the bank can ask the joint account holder facing bankruptcy to pay all the money owed.\n<h2>Bank Accounts During Bankruptcy.</h2>\nDuring the bankruptcy, the bank may permit usage of existing accounts after they have consulted the Official Receiver.\n\nA non discharged bankrupt can apply to open a new Bank/ Building society account, but they must inform the bank they are a serving bankrupt.\n\nBanks/Building Societies are not obliged to grant an account, but if so, it is likely to be a basic account without credit facilities. Banks are required by law to offer a basic bank account product. However, due to their nature, not much money can be made from such accounts. Therefore, these types of accounts are not pushed like the more profitable credit baring accounts and the consumer is often unaware of their existance.\n\nSee the document to the right for details of the basic bank accounts offered by the UK leading banks and building societies.\n\nServing Bankrupts do not need to tell the Offical Receiver or Trustee about any new account opened after the date of the bankruptcy order unless asked about it. Nor are they obliged to advise the Offical Receiver or Trustee about money in any new account not amounting to more than needed for reasonable living expenses.\n<div id=\"IVAadvice\">\n<h2><img class=\"alignnone size-full wp-image-406\" src=\"http://insolvency-service.co.uk/wp-content/uploads/2017/08/5474209451_0cec39d92f_b.jpg\" alt=\"\" width=\"1024\" height=\"768\" />Bank Accounts and an IVA</h2>\n<strong>Will I have to close my bank account ?</strong>\nIf you have debts with your bank, they can take money from where your wages are paid into, whether you can afford it or not. This is called the <b>Right To Offset.</b> Such debts can be in the form of an overdraft, credit card balence or personal loan.\n\nTherefore you must arrange new banking facilities before embarking on an IVA if your current bank holds some of the debt that is to be placed in the IVA.\n\nPeople entering into an IVA normal already have some adverse credit history and find it difficult to getting an application to open a conventional bank accepted. In that case you need to open a non-credit bearing basic account. As an IVA is a private matter, your new bank does not need to about your IVA. We can advise you further on this matter.\n\n</div>\n</div>\n</div>\n</div>\n</div>\n[/vc_column_text][/vc_column][/vc_row]','Bankruptcy & IVA Advice Specialists','','publish','closed','closed','','bank-accounts','','','2017-08-24 13:16:03','2017-08-24 12:16:03','',0,'http://insolvency-service.co.uk/bank-accounts',0,'page','',0),(214,2,'2017-08-24 11:30:35','2017-08-24 11:30:35','<h1>Bankruptcy IVA Comparisons</h1>\r\n<p class=\"summary\">Comparison between UK Bankruptcy laws and an (IVA) Individual Voluntary Arrangement.</p>\r\n\r\n<h2>UK Bankruptcy</h2>\r\n<ul>\r\n <li>Bankruptcy is always publicly advertised. Public notification will normally appear in your local newspaper containing details of your name, address and occupation.</li>\r\n <li>All assets will vest in your Trustee (the person appoined by the court to oversee the bankrupcy) and may be sold to repay your debts.</li>\r\n <li>You may still have to make monthly contributions for up to 3 years at the discretion of the Official Receiver or Trustee in Bankruptcy.</li>\r\n <li>If you fall into financial difficulties again, and are made bankrupt by creditors, you will have to serve a minimum 5 years bankruptcy.</li>\r\n <li>You will interviewed by an Official Receiver and questioned as to how or why you fell into difficulties and if you behaviour was considered to be rash or hazardous you may be subject to a Bankruptcy Restriction Order.</li>\r\n <li>You have a duty to co-operate with the Official Receiver or Trustee in Bankruptcy. You cannot take on credit in excess of £500 without declaring that you are a bankrupt.</li>\r\n <li>DTI will keep a record of the bankruptcy for up to 15 years.</li>\r\n</ul>\r\n<h2>Individual Voluntary Arrangement.</h2>\r\n<ul>\r\n <li>An IVA is not advertised.</li>\r\n <li>All assets can be retained.</li>\r\n <li>In control of own finances.</li>\r\n <li>In control of own income.</li>\r\n <li>A large proportion of the debt may be written off. Interest is frozen.</li>\r\n <li>Replace balance of debt by you will only pay what you can afford.</li>\r\n <li>All contact from creditors should stop completely.</li>\r\n <li>Can continue running own business.</li>\r\n <li>Can continue as a director.</li>\r\n <li>Will not affect your employment status.</li>\r\n <li>No court proceedings can be brought against you in respect of any of the debts bound by the Individual Voluntary Arrangement.</li>\r\n <li>No question of rash or hazardous behaviour.</li>\r\n <li>Under certain circumstances an IVA can result in an existing bankruptcy being annulled.</li>\r\n <li>Landlords are not notified, unless they are a creditor.</li>\r\n</ul>\r\n<div id=\"BottomCalltoAction\">\r\n<h2>What To Do Next</h2>\r\nIf you qualify for an IVA then this would be your best method to clear all of your debts, Please complete our short enquiry form to find out if you do qualify.\r\n\r\n \r\n\r\n</div>','Bankruptcy IVA Comparison','','publish','closed','closed','','bankruptcy-iva-comparison','','','2017-08-24 12:50:37','2017-08-24 11:50:37','',0,'http://insolvency-service.co.uk/bankruptcy-iva-comparison',0,'page','',0),(215,2,'2017-08-24 11:30:35','2017-08-24 11:30:35','<h1>Bankruptcy and Your Car</h1>\r\n<p class=\"summary\">Like any other asset, your car can and will sold towards paying your debts when you are made bankrupt, however there are excpetions.</p>\r\n\r\n<h2>When you may keep your Vehicle or Car.</h2>\r\nYou may be allowed to keep your Vehicle or Car under the following circumstances.\r\n<ul>\r\n <li><strong>The vehicle is worth less than £2,000.</strong></li>\r\n <li><strong>The sale of the vehicle will not produce more than £500 for your Creditors.\r\n</strong>This is can be the case when the car is owned by more than one person.</li>\r\n <li><strong>The vehicle is essential for work or your vocation. </strong>\r\nThis means the car is used for work, for example a Taxi, or when there is no reasonable alternative for transport to and from a place of work.\r\nIf you are the full time carer of a disabled person, this may be classed as your vocation and an exemption can be granted on these grounds.</li>\r\n <li><strong>A car is deemed necessary to \'meet basic domestic needs\' where there is no realistic alternative. </strong>\r\nDisabled pepole requiring a car for mobility would fall into this category. What is categorized as <em>necessary</em> is not based upon convenience when alternatives exists, except when the alternatives are more expensive. If you are able bodied and live an a urban area, then is not likely you can claim a vehicle as necessary to \'meet basic domestic needs\'.</li>\r\n</ul>\r\n<h2>Registered Keeper / Owner of a Vehicle.</h2>\r\nThe V5 document from the DLVA describes the <strong>registered keeper</strong> of a vehicle and clearly states that this is not necessarily the legal owner. It goes on to state that:-\r\n\r\nThe registered keeper is responsible for the vehicle’s day to day use on the road\r\nand is:\r\n<ul>\r\n <li>The person who is liable for licensing the vehicle.</li>\r\n <li>The person to whom the police and other enforcement authorities would direct any enquiries, eg motoring and parking offences.</li>\r\n</ul>\r\nThe legal owner is:\r\n<ul>\r\n <li>The person or company who purchased the vehicle eg a hire purchase or leasing company.</li>\r\n <li>The person who purchased the vehicle for their spouse/child etc.</li>\r\n</ul>\r\nSo, if your name is on the V5 document, but someone else bought and paid for the vehicle, and this is provable, then you should be able to keep it.\r\n\r\nConversely, if you have bought and paid for a car which is driven and insured by someone else and they are also the registered keeper, but live at the other end of the country and you\'ve never seen the car, it matters not. That car will to treated as your asset in Bankruptcy.\r\n<h2>Joint Ownership of Cars in Bankruptcy.</h2>\r\nAny asset may be jointly owned by two parties;- a car is no exception. The Trustee may only claim you share of any asset towards your bankruptcy. However this does not prevent the Trustee from forcing a sale to release your share. In the first instance, the Trustee will allow the other parties with part ownership to buy out your share.\r\n<h2>Sale of a Car Prior to Bankruptcy</h2>\r\nAny vehicle you have owned in the 2 years prior to the Bankruptcy will been included in the bankruptcy, or the monies from the sale will need to be accounted for. This even applies to a car innocently given to your spouse or one of your children are a Christmas present. You can\'t sell or give away an asset in the hope of omitting it from the bankruptcy.\r\n\r\nIf you sell a car at less than it\'s true value, this is called a <a href=\"Restriction-Orders \">Transaction At Under Value.</a>\r\nThis is not allowed and may result in a Bankruptcy Restriction Order.\r\n<h2>High Value Cars</h2>\r\nIf the vehicle is of a high value, you may still be required to trade down to a more modest one. Currently guidelines are a maximum of £2,000 for a replacement car, but can be higher depending on circumstances.\r\n<h2>Deciding the Value of the Car</h2>\r\nYou have no say as to the value of the car. The Trustee values the vehicle referring to the online Parker\'s Guide, for a guide price. For vehicles older than to M registration (1994), or for specialist or vintage cars it may be necessary to instruct agents to to obtain a value.\r\n<h3><strong> Hire Purchase Cars in Bankruptcy</strong></h3>\r\nIf the vehicle is subject to a hire purchase, lease or conditional sale agreement, then the finance company may seek to repossess as your bankruptcy may break the terms of the finance agreement. This can happen whether the Trustee deems it to be exempt from the bankruptcy or not. It may be case that the Trustee can invite the car finance company to repossess the car if there is not enough equity in the vehicle to make selling it worthwhile.\r\n<div id=\"IVAadvice\">\r\n<h2>Your Car & an IVA</h2>\r\nIt depends on the car and your circumstances. This is the case for all high value assets. It is normal to be allowed to keep a car worth a reasonable amount, especially if needed for work or family commitments. The conditions are not as strict as with bankruptcy.\r\n\r\nFor cars on Hire Purchase, this debt is secured and therefore can\'t be included in the IVA, the HP company will simply repossesses the car if your do not maintain payments.\r\nNormally you will be allow to keep making HP repayments while on the IVA, however once payments are completed, you will be expected to make increased payment into the IVA now that your outgoings are lowered.\r\n\r\nIt may be the case that you decide to cut your losses and return the car to the finance company. In this case the outstanding balence is not longer secured and can be included in an IVA propsal.\r\n\r\n</div>\r\n<div id=\"BottomCalltoAction\">\r\n<h2>What To Do Next</h2>\r\nIf you are concerned about the prospect of losing your car or other vehicle in bankruptcy then <strong>CALL US</strong> or submit the<strong> INSTANT ADVICE </strong> form for<strong> Immediate Free Advice.</strong>\r\n\r\n</div>','Cars','','publish','closed','closed','','cars','','','2017-08-24 12:50:53','2017-08-24 11:50:53','',0,'http://insolvency-service.co.uk/cars',0,'page','',0),(216,2,'2017-08-24 11:30:35','2017-08-24 11:30:35','<h1>Debts Not Written Off by Bankruptcy</h1>\r\n<p class=\"summary\">Bankruptcy does not clear all debts in all circumstances. You may still be liable for some debts, even after discharge from bankruptcy. This includes debts incurred during bankruptcy.</p>\r\n\r\n<h3>Secured Debts</h3>\r\nThe debt is enforceable only if it remains secured on that asset. If the asset was sold to provide funds towards the bankruptcy, but did not cover the amount owed, then that debt is no longer secured and therefore not enforceable.\r\n<h3>Benefit and Tax Credit overpayments.</h3>\r\nWhere overpayments are made before the bankruptcy order, but a decision is made to recover them <strong>after</strong> the bankruptcy order, then the debt remains after bankruptcy discharge.\r\n\r\nIn the case where the overpayment is made and recovery sort <strong>before</strong> the bankruptcy order then debt is included in the bankruptcy. The exception to this is overpayment due to fraud, in which case recovery can by enforced despite bankruptcy, whenever the overpayments were made.\r\n<h3>Council Tax</h3>\r\nYou are liable for council tax for the remainder of the current year if not served with a liability order or final demand.\r\n<h3>Child Maintenance</h3>\r\nLiabilities from an order made in a family or domestic court, such CSA claims for child support are outside of bankruptcy.\r\n<h3>Student Loans</h3>\r\nMost educational loans cannot be discharged as they fall outside of the Insolvency Act 1986.\r\n<h3>Court Fines</h3>\r\nCourt Fines imposed for an offence and Liabilities from a confiscation order made under S.1 of the Drug Trafficking Act 1986 0r S.71 of the Criminal Justice Act 1988\r\n<h3>Personal Injury Claims.</h3>\r\nDebts from personal injury claims made against you are outside of bankruptcy.\r\n<h3>Fraud</h3>\r\nDebts arising from your fraudulent conduct are outside of bankruptcy.\r\n<h3>Any credit obtained just before bankruptcy</h3>\r\nLast-minute credit obtained with little intention of respecting the credit agreement can be excluded and/or result in a <a href=\"Restriction-Orders \">Bankruptcy Restriction Order</a>.\r\n<h3>Interest</h3>\r\nYou may be liable for an interest payable on any of the above debts.','Debts Not Included','','publish','closed','closed','','debts-not-included','','','2017-08-24 12:51:58','2017-08-24 11:51:58','',0,'http://insolvency-service.co.uk/debts-not-included',0,'page','',0),(217,2,'2017-08-24 11:30:36','2017-08-24 11:30:36','<h1>Bankruptcy Hearing</h1>\r\n<p class=\"summary\">At a <strong>Bankruptcy Hearing</strong>, a district judge considers the bankruptcy petition to decide whether or not to make a bankruptcy order. Once a bankruptcy order is made, you are then officially bankrupt.</p>\r\nYou (the debtor) and the Official Receiver attend the Bankruptcy Hearing. Creditors or their representatives can attend if they wish.\r\n\r\nIn order for the judge/court to make a bankruptcy order, it must be satisfied that the debt is proven and that either:-\r\n<ul>\r\n <li>The debtor can\'t repay the debt.\r\nOR</li>\r\n <li>In the case when payment is not yet due, that the debtor has not realistic change of being able to repay the debt when it is due.</li>\r\n</ul>\r\nWhen the petition is served by a creditor, they must prove that a corresponding <a href=\"Statutory-Demand \">Statutory Demand</a> has been brought to your (the debtor\'s) attention.\r\n\r\nIf you have already repaid the debt in full, then the case will be dismissed, but you may still have to paid the creditors costs. If more than £750, then pursuit of these costs could result in fresh bankruptcy proceedings.\r\n<h2>Reasons why a Bankruptcy order may not be made.</h2>\r\n<ul>\r\n <li>In the court\'s opinion, the creditor has refused to accept reasonable payment by installment or a reasonable reduced full and final payment to settle the debt.</li>\r\n <li>You have reduced the debt to under £750 in between date of petition and date of hearing.</li>\r\n <li>An agreement is reached at the hearing for the repayment of the debt.</li>\r\n</ul>\r\nWhen the bankruptcy order is made, here are normally 3 elements.\r\n<ul>\r\n <li>A bankruptcy period of 12 to 36 months.</li>\r\n <li>Lump sums to be raised by the sale of assets (for example home, car).\r\nsee <a href=\"Home-Assets \">Your Assets & Bankruptcy</a> for details.</li>\r\n <li>Monthly Contributions from income.\r\nSee <a href=\"Payments-from-income \">Payment from income during Bankruptcy </a>for details.</li>\r\n</ul>','Hearing','','publish','closed','closed','','hearing','','','2017-08-24 12:52:45','2017-08-24 11:52:45','',0,'http://insolvency-service.co.uk/hearing',0,'page','',0),(218,2,'2017-08-24 11:30:36','2017-08-24 11:30:36',' \r\n<h1>Bankruptcy and Your Assets</h1>\r\n<p class=\"summary\">A person subject to bankruptcy surrenders any possessions of value, including any interest in their home. Control of everything they own passes to the Trustee.</p>\r\n\r\n<h2>Items excluded from Bankruptcy</h2>\r\nIt is only reasonable that you be allowed to keep essential items and are not impeded from earning a living. Items which can to be excluded from bankruptcy include:-\r\n<ul>\r\n <li>Household items essential for basic domestic needs. Eg, Cloths, Furniture, TV etc.</li>\r\n <li>A modest vehicle depending on circumstances.</li>\r\n <li>A residential tenancy.</li>\r\n <li>Items needed for trade or employment such as tools and computing equipment.</li>\r\n <li>Money held in pension funds (not in all cases)</li>\r\n <li>Money obtained from a student loan, if a balance of the loan remains payable.</li>\r\n</ul>\r\nFor information about property see - <a href=\"Home-Property \">Bankruptcy & Your Home</a>.\r\n\r\nFor information about cars see - <a href=\"Cars \">Bankruptcy & Your Car</a>.\r\n<h2>Assets obtained or received during bankruptcy</h2>\r\nAny assets or monies obtained from any source whilst serving bankruptcy (ie before discharge) may be claimed as part of the bankrupt\'s estate by the Trustee. If is an offense not to disclose such information. This can include.\r\n<ul>\r\n <li>Anything bequest in a will, for example a property.</li>\r\n <li>Something of little value at the time of the bankruptcy order, but rising in value before bankruptcy discharge.</li>\r\n <li>Claims made against another person through court proceedings.</li>\r\n <li>Any other windfall.</li>\r\n</ul>\r\nIf you know your are to be the benefactor of a will, you may be well advised to get that will changed to the name of an non-serving bankruptcy until you are discharged from bankruptcy.','Home Assets','','publish','closed','closed','','home-assets','','','2017-08-24 12:53:13','2017-08-24 11:53:13','',0,'http://insolvency-service.co.uk/home-assets',0,'page','',0),(219,2,'2017-08-24 11:30:36','2017-08-24 11:30:36','<h1>Bankruptcy and Your Home</h1>\r\n<p class=\"summary\">If you own (or jointly own) your home, mortgaged or outright, your interest in it forms part of your estate and may have to be sold to go towards paying debts.</p>\r\nIf the property is completely in your name, or completely in your spouses name, typically 50% of the equity in a matrimonial home is available to the Bankruptcy Trustee.\r\n\r\nBuying a property and putting it in your spouse\'s name on the off-chance you may one day be made bankrupt does not protect it from the Trustee.\r\n\r\nIn the case where a property is jointly owned, the share owned by the parties not subject to bankruptcy proceeding can\'t be used towards the bankruptcy. However, this does not stop the Trustee from forcing the sale of the property to get hold of your share.\r\n\r\nA spouse, other relative or friend can buy your interest in the home from the controlling Trustee. This prevents the future sale of the property by the Trustee.\r\n<h2><strong>Common Misconceptions about Bankruptcy and Your Home.</strong></h2>\r\n<strong><em>\"I put my home into my partners name years ago, it will be excluded from the Bankruptcy\"</em></strong>\r\nYou\'ll need to prove that your partner paid the full value at the time of the sale and has since paid the mortgage in full. You will also have to account for the money you received from the sale.\r\n\r\n<em><strong>\"I have a wife and small children, they can\'t take away my house\".\r\n</strong></em>They can and they will. If a spouse and/or dependant children are living at the property, it is possible for the sale in the bankruptcy to be delayed until after the end of the first year of bankruptcy. This allows for time for other housing arrangements to be made.\r\n<h2>Stopping you Selling your Home.</h2>\r\nThe Trustee can register a caution at the Land Registry, preventing the home from being sold without their permission.\r\n\r\nUnder the Enterprise Act 2002 the Trustee has a maximum of three years to deal with a property or risk it reverting back to the Bankrupt. However, the three years will be extended if the sale is obstructed.\r\n<h2>Charging Orders</h2>\r\nIf the Trustee does not or cannot presently sell the home, they may obtain a charging order. This is like securing the property against the debt. In which case, your interest in the property will be returned to you, but the legal charge over this it remains. The value of the charge is your percentage interest in the property. This sum must be paid from your share of the proceeds of sale of the property.\r\n\r\nIf a Charging Order is placed on the property, you will benefit from rises in the property\'s value between that time and the time of the sale.\r\n\r\nIf no Charging Order is in place, your percentage interest in the will continue to belong to the Trustee, including any rise in the property value. Therefore even if the home is sold some time after discharge from bankruptcy, the increase in value will not go to you.\r\n<div id=\"IVAadvice\">\r\n<h2>Your Home and an IVA</h2>\r\n<strong>Can I do an IVA without affecting my Property/House ?</strong>\r\nIn some circumstances your home may be excluded from the arrangement. However, if you have equity in your house, this will be taken into account when making an offer to creditors. You may have to release some of the equity in your property at some stage during the IVA.\r\n\r\nYour creditors are only going to approve an IVA if they consider they will get more money back than via bankruptcy. If the equity in your property is more than your unsecured debts, then they could get it all back by bankrupting you, and forcing you to sell your home.\r\n\r\nHow your homeowner status effects yout IVA propsal is complex and depends on many factors such as\r\n<ol>\r\n <li>Your current mortgage repayments.</li>\r\n <li>How much of the property is yours in the case of joint ownership.</li>\r\n <li>The amount of equity in the property.</li>\r\n</ol>\r\nWe get more questions above homeowership and IVA than anything else, so please call us for free advice of how this may impact your decision to do an IVA.\r\n\r\n<strong>How much equity will I have to release from my property?</strong>\r\nThere is no exact answer to this as it depends on personal circumstances. As a rule of thumb, equity is released such that increased mortgage payments once the IVA is completed are no higher than the IVA payments were.\r\n\r\n</div>\r\n<div id=\"BottomCalltoAction\">\r\n<h2>What To Do Next</h2>\r\nIf you are concerned about the prospect of losing your home in bankruptcy then <strong>CALL US</strong> or submit the<strong> INSTANT ADVICE </strong> form for<strong> Immediate Free Advice.</strong>\r\n\r\nIf you can avoid bankrupcy by doing an <a href=\"IVAProsCons \">IVA</a> instead, you have a better prospect of keeping your home.\r\n\r\n</div>','Home Property','','publish','closed','closed','','home-property','','','2017-08-24 12:53:21','2017-08-24 11:53:21','',0,'http://insolvency-service.co.uk/home-property',0,'page','',0),(220,2,'2017-08-24 11:30:37','2017-08-24 11:30:37','<h1>IVA Costs and Fees</h1>\r\n<p class=\"summary\">Most of the advertising for IVA\'s gives the impression that the IVA company provides a Free Service or that the fees charged are of no consequence to the debtor. <strong>This is very misleading. </strong></p>\r\nIt is true that creditors pay for the costs of an IVA. However, as our charges to the creditors are lower than most other IVA providers, we get IVA\'s approved that would otherwise get rejected. Therefore<strong> we can help even more people out of debt than most other IVA companies. </strong>\r\n<h2>Typical Fees Of Other IVA Providers</h2>\r\nWhen proposing an IVA to your creditors, you\'re offering to pay back between 25p and 100p in the pound, normally over 5 years. This is called the dividend.\r\n\r\nThe creditors receive this dividend, minus the IVA company\'s fee. Therefore it is true that the <strong>creditors bear the cost of an IVA</strong> by accepting these terms, however the charges levied by the IVA company is a factor in whether creditors accept or reject the proposal.\r\n\r\nThe IVA fees charged to the creditor are in 2 parts.\r\n<ul>\r\n <li><strong>A Nominee\'s Fee </strong> - often £2500 +vat\r\nThis is the fee for setting up and proposing the IVA.</li>\r\n <li><strong>A Supervisor\'s Fee </strong> - often £1000 +vat per year.\r\nThis is the fee for supervising the IVA for the normal 5 year duration.</li>\r\n</ul>\r\nTherefore, many other IVA companies indirectly trouser almost £9000 (including vat) of your money should the IVA complete.\r\n<h2>Our Low Fees</h2>\r\nOur fees are considerable less than the industry normal.\r\n<ul>\r\n <li><strong>Our Nominee\'s Fee </strong>\r\n£750 +vat for debts under £15,000\r\n£1500 +vat for debts over £15,000</li>\r\n <li><strong>Our Supervisor\'s Fee </strong>\r\n£50 +vat per month.</li>\r\n</ul>\r\nTherefore our fees are £3,750 +vat or £4,500 +vat, depending on the level of the debt. This is about 40% less than the majority of other IVA providers.\r\n<h2>Our Minimum Level of Debt</h2>\r\n<strong>In law, there is no minimum level of debt for an IVA</strong>.\r\nDue to the costs involved, there must be a minimum level of debt to allow a substantial repayment to the creditors.\r\n\r\nMany IVA companies will only propose an IVA for debts of over £20,000. However, often people owe more than they realise. Bearing this in mind, many IVA companies advertise their services for debts of £15,000, knowing that many people thinking they have debts of around £15,000 actually owe much more. Many such companies rarely accept cases for debts, actually of, £15,000.\r\n\r\nDue to our <strong>lower charges</strong>, we routinely have IVA\'s accepted for debts of around £15,000, and many for £10,000 - £12,000. We\'ve had <strong>IVA proposals accepted for debts of £8,000.</strong>\r\nIVA\'s for such low debt levels are for exceptional circumstances. For example, if the debtor has an job such that bankruptcy means instant dismissal, an IVA is better for debtor and the creditors.\r\n<h2>Our Minimum Monthly Payments</h2>\r\n<strong>In law, there are no minimum monthly payments for an IVA.</strong>\r\nMost IVA advertising refers to minimum payments of £200. Our lower charges mean more for the creditors, hence lower minimum payments - therefore we can get<strong> more people accepted onto an IVA</strong>.\r\nWe have many clients paying as little as £150 - £170 into their IVA\'s. A few pay as little as <strong>£140 per month</strong>, however, these are exceptional cases as per the example above.\r\n<h2>No Up Front Payments</h2>\r\n<strong>We do not charge up front fees.\r\n</strong>Many IVA companies charge up front payments from debtors to prepare an IVA proposal, typically £500. We <strong>consider this to be morally wrong </strong>as it often means more debt for the client. Some companies advise clients to borrow to fund this up-front the payment. Now, this is <strong>criminally wrong.</strong> This is incurring more debt when it is known that the client is insolvent and has no ability to, nor intention of paying it back.\r\n<h2>How We Keep Our Fees Low</h2>\r\nMany debt companies offer only IVAs and spend a fortune advertising this single service. As we offer the <strong>full range of debt solutions</strong>, we can help most people who contact us who can afford to pay at least £100 per month towards their debts.\r\n\r\nDue to our<strong> professional excellence</strong> and experienced,<strong> highly trained staff</strong>, we are able to operate very efficiently. All this helps keeps our costs down while offering the <strong>highest standard of service.</strong>\r\n<h2>Our Excellent IVA Approval Rate</h2>\r\nWe boast a better than average IVA proposal approval rate of about 97%. The industry average is about 92%. As our fees are low, it is in essential for us to maintain this excellent record. We only have cases rejected when someone has been less than honest with us. For example, creditors find our about debt not included in the IVA proposal.\r\n<div id=\"BottomCalltoAction\">\r\n<h2>What To Do Next</h2>\r\nIf you are experiencing debt problems and would like advice as to the best solution for your circumstances, then <strong>CALL US</strong> or submit the<strong> INSTANT ADVICE </strong> form for<strong> Immediate Free Advice.\r\n</strong>\r\n\r\n</div>','IVA Fees Costs','','publish','closed','closed','','iva-fees-costs','','','2017-08-24 12:56:19','2017-08-24 11:56:19','',0,'http://insolvency-service.co.uk/iva-fees-costs',0,'page','',0),(221,2,'2017-08-24 11:30:37','2017-08-24 11:30:37','<h1>IVA Advantages and Disadvantages</h1>\r\n<p class=\"summary\">IVA can be most suitable debt solution for many people, but there will always be advantages and disadvantage with respect other options. Here we explain the Pros and Cons between an IVA and Bankruptcy, Debt Consolidation Loans and Debt Management.</p>\r\n\r\n<h2>IVA Advantages over Bankruptcy</h2>\r\n<ul>\r\n <li><strong>Creditors agree to write off the debt you can\'t afford to repay. </strong>\r\nThis is to a maximum of 70% of the original debt, provided you maintain agreed repayments for 60 months.</li>\r\n <li><strong>An IVA in a private matter and is not advertised.</strong>\r\nHowever your name and address will appear on the Individual Insolvency Register.</li>\r\n <li><strong>You will not be subject to employment restrictions or lose your job</strong>.\r\nThis is unless there is a specific clause relating to IVA\'s in your employment contract.</li>\r\n <li><strong>You get to keep your home</strong>.\r\nYou may have to re mortgage to release equity in the final year of the IVA. In bankruptcy, you will loose your home if the equity held in it is needed to pay your debts.</li>\r\n <li><strong>All reasonable assets can be retained. </strong></li>\r\n <li><strong>You may continue to run your own business\r\n</strong>In bankruptcy, your business will be wound up and your employees dismissed.</li>\r\n <li><strong>You may continue to be a company director.</strong></li>\r\n <li><strong>No question of rash or hazardous behaviour.\r\n</strong>In bankruptcy, you may become subject to a <a href=\"Restriction-Orders \">Bankruptcy Restriction Order</a> if the Official Receiver considers you have been blameworthy and/or reckless in contributing to your bankruptcy.</li>\r\n <li><strong>No potential of judicial investigation into your finances. </strong>\r\nIn bankruptcy, the Official Receiver will investigate your financial affairs and report any irregularities to\r\nthe courts. This could result in criminal proceedings.</li>\r\n <li><strong>Under certain circumstances an IVA can result in an existing bankruptcy being annulled. </strong>This is called a <a href=\"fast-track-ivas \">Fast Track IVA</a></li>\r\n</ul>\r\n<h2>IVA Disadvantages compared to Bankruptcy</h2>\r\n<ul>\r\n <li><strong>You pay back more of your debt. </strong>\r\nThis is an advantage for the creditors. The whole point of a IVA is to allow creditors to get back more of their money than they would via bankruptcy. In bankruptcy, you are only required to make payments from income for maximum of 3 years, often less.\r\nWith an IVA you agree to repay what you can afford each month for 5 years.</li>\r\n <li><strong>You can still be made bankrupt.</strong>If you fail to maintain the agreed IVA payments, your creditors may choose to start bankruptcy proceedings against you. This may leave you in a worse financial position than if you chose bankruptcy over an IVA in the first place.</li>\r\n</ul>\r\n<h2>IVA Advantages over a Debt Consolidation Loan</h2>\r\n<ul>\r\n <li><strong>A portion of the debt can be written off with an IVA </strong>\r\nWith a consolidation loan, you may be reducing your monthly payments, but due to the longer terms of loan will be paying more than the original debt over the extended period of the loan.</li>\r\n <li><strong>Your are not putting your home at risk with an IVA\r\n</strong>If you take out a secured loan on your property, your are increasing the risk of your home being repossessed if you fail to make repayments.</li>\r\n <li><strong>Less room for negotiation later.</strong>\r\nIf you consolidate your debts into one loan with one creditor, you will be in a weaker position to negotiate should you fall in to difficulties in the future.</li>\r\n</ul>\r\n<h2>IVA Disadvantages compared to a Debt Consolidation Loan</h2>\r\n<ul>\r\n <li><strong>No more unsecured credit.</strong>\r\nWhile on an IVA, you can\'t take any significant unsecured credit.</li>\r\n <li><strong>Negative effect on credit record.\r\n</strong>An IVA will be recorded on your credit record for 6 years. This is the same as all adverse information. If you applied for a mortgage during this period, you would not be offered the cheapest deals and may be required to put down a larger deposit.</li>\r\n</ul>\r\n<h2>IVA Advantages over Debt Management</h2>\r\n<ul>\r\n <li><strong>A portion of the debt can be written off with an IVA. </strong>\r\nOn debt management the entire debt is repaid.</li>\r\n <li><strong>An IVA normally lasts more that 5 years.\r\n</strong>A debt management programme for how ever long it take to clear the debt.</li>\r\n</ul>\r\n<h2>Debt Management advantages over an IVA.</h2>\r\n<ul>\r\n <li><strong>A Debt Management programme can be for debts of just £2,000.\r\n</strong>£15,000 is normally quoted as the minimum unsecured debt with at least <strong>3</strong> creditors for an IVA. Due to our <a href=\"IVA-Fees-Costs \">Lower Costs</a> than most other IVA companies, we routinely get IVA approved from less than £15,000.</li>\r\n <li><strong>Minimum payment for debt management are £100 per month.\r\n</strong>£200 per month is the usual minimum for an IVA. However due to our <a href=\"IVA-Fees-Costs \">Lower Costs</a> we have placed many clients on IVA who pay less than this. <strong>\r\n</strong></li>\r\n <li><strong>An IVA is a formal agreement, the terms of which can be awkward to alter should your circumstances change for the better or for the worse. </strong>\r\nDebt Management is an informal arrangement and is not legally binding for the debtor or creditor. Many companies not offering debt management solutions will point to this as a negative point. However, while creditors continue to received regular payments via debt management, they will not seek to change the arrangement. If your circumstances change, with debt management, it is easier to renegotiate payments to either higher or lower levels. If you think debt management may be the most appropriate solution for you, then call us for free advice as this is also a solution we offer.</li>\r\n</ul>\r\n<div id=\"BottomCalltoAction\">\r\n<h2>What To Do Next</h2>\r\nIf you are experiencing debt problems and would like advice as to the best solution for your circumstances, then <strong>CALL US</strong> or submit the<strong> INSTANT ADVICE </strong> form for<strong> Immediate Free Advice.</strong>\r\n\r\nWe will explain all of the above options and explored how suitable each is for your particular circumstances.\r\n\r\n</div>','IVAProsCons','','publish','closed','closed','','ivaproscons','','','2017-08-24 12:56:52','2017-08-24 11:56:52','',0,'http://insolvency-service.co.uk/ivaproscons',0,'page','',0),(222,2,'2017-08-24 11:30:37','2017-08-24 11:30:37','<h1>Official Receiver & Trustee in Bankruptcy</h1>\r\n<p class=\"summary\">An explanation of the roles of the Official Receiver & Trustee in administering a bankruptcy order.</p>\r\n\r\n<h2>The Role of the Official Receiver.</h2>\r\nOfficial Receivers are civil servants within the Governments\' Insolvency Service. Upon making a bankruptcy order, the court appoints an Official Receiver who is primarily responsible for:-\r\n<ul>\r\n <li>Investigating your financial affairs and conduct and reporting this to the court. Any evidence of irregularity or criminal activity will be reported.</li>\r\n <li>Obtaining control of your property and assets of worth.</li>\r\n</ul>\r\nYou are required to fully co-operate with the Official Receiver. Failure to do so can have severe consequences ranging from a delay in bankruptcy discharge to a recommendation for a full criminal investigation of your affairs.\r\n\r\nThe Officer Receiver will require you to complete a questionnaire similar to the \"Statement of Affairs\" that you would have already completed if you had petitioned for your own bankruptcy.\r\n\r\nThe Official Receiver contacts all your creditors, inviting them to prove any claim for a debt held against you.\r\n\r\nThe Officer Receiver (or an member of their staff) will interview you by phone. You will required to attend for interview in person at the Officer Receiver\'s office in the case where:\r\n<ul>\r\n <li>You have petitioned your own bankruptcy.</li>\r\n <li>You have been made bankruptcy before.</li>\r\n <li>You have recently been trading in business.</li>\r\n</ul>\r\nThe Official Receiver has a wide range of powers and can, where appropriate arrange for:\r\n<ul>\r\n <li>Your mail to be redirected to their office.</li>\r\n <li>A court order for seizure of your passport.</li>\r\n</ul>\r\nThe Official Receiver registers the bankruptcy with the Land Registry and advertises it in:-\r\n<ul>\r\n <li><strong>The London Gazette</strong>\r\nThe London, Edinburgh, and Belfast Gazettes are the official newspapers of record in the United Kingdom. Several legal notices, including insolvency notices, are required by law to be published here.</li>\r\n <li><strong>One Local Newspaper</strong></li>\r\n</ul>\r\nThe Official Receiver also arranges for your bank account(s) to frozen.\r\n\r\nWithin 12 weeks of the bankruptcy order, the Official Receiver can arrange for a meeting of the creditors in order to appoint a <strong>Trustee</strong>. The appointed Trustee is normally a licensed Insolvency Practitioner. If no Trustee is appointed, then the Official Receiver becomes the Trustee.\r\n<h2>The Role of the Trustee</h2>\r\nWhen the Trustee is appointed, or the Official Receiver becomes the Trustee, all your assets vest into the control of the Trustee.\r\n\r\nThe Trustee is primarily responsible for:-\r\n<ul>\r\n <li>Disposing of your property, ensuring a fair price is obtained for the benefit of paying your creditors.</li>\r\n <li>Ensuring the proceeds your sale of your assets is shared out fairly amongst your creditors.</li>\r\n</ul>','Official Receiver Trustee','','publish','closed','closed','','official-receiver-trustee','','','2017-08-24 12:57:07','2017-08-24 11:57:07','',0,'http://insolvency-service.co.uk/official-receiver-trustee',0,'page','',0),(223,2,'2017-08-24 11:30:37','2017-08-24 11:30:37','<h1>Payments from income during Bankruptcy</h1>\r\n<p class=\"summary\">You may be required to make payments from your income towards your debts for up to 36 months. This depends on the surplus money you have after you have met your essential living expenses.</p>\r\nIf you have at least £100 over each month after you have paid for all your essential living expenses, the Trustee may claim monthly or weeks payment towards the bankruptcy.\r\n\r\nYou can use this <a href=\"http://www. betterbanking.org.uk/debt-calculator.php\" target=\"_blank\" rel=\"noopener\">income/Outgoing calculator</a> for a guide as to what can be included as expenses needed for basic domestic living.\r\n\r\nYou will be assessed as to how much of this surplus income you are require to pay, which is normally between 50% and 70%. Generally, single people without dependants and those with greater surplus income are assessed towards the higher end of this range.\r\n\r\nIf your main or only income is state benefits or a state pension, then it is unlikely you will be required to make payments.\r\n\r\nThe Trustee claims the surplus income by means of a IPA or IPO.\r\n<h2><strong> Income Payments Agreement (IPA)</strong></h2>\r\nAn <strong>IPA </strong> is a written agreement between the Trustee and the bankrupt. It is a binding agreement that states the bankrupt, or a third party, will make payments towards the bankruptcy for a specified period.\r\n<h2><strong>Income Payments Order (IPO)</strong></h2>\r\nAn <strong>IPO</strong> may be sought through the court if a bankrupt won\'t agree to a proposed <strong>IPA</strong>. If necessary, the court can arrange for an attachment of earning order to take the money directly from your employer or get benefits stopped.\r\n\r\nIPO\'s/IPA\'s can last for up to 36 months which can <strong>continue after discharge from bankruptcy</strong>.\r\n\r\nYou may be required to make payments from any income, including pensions, towards your bankruptcy.\r\n<h3>Missed IPA/IPO payments.</h3>\r\nIf you miss a payment, you will be required to provide an explanation and arrange for arrears to be paid. If the problem is longer term, for example due to a drop in income or a necessary regular expense, the Trustee can reassess the situation.\r\n\r\nThe Trustee may decide that an IPA/ IPO is no longer appropriate and you are therefore no longer be required to make payments. However if this happens you must inform the Trustee if your surplus income rises again before the end of the IPA/IPO. The IPA/IPO will end on the original date despite agreed reduced or suspension of payments.\r\n\r\nIf you miss payments, and do not contact your Trustee about any difficulties, the Trustee may apply to the court for an order suspending your discharge from bankruptcy. The Trustee can also take steps to recover the money you owe, including <strong>another bankruptcy order.</strong>\r\n\r\nIf you fail to make payments under an IPO, you are <strong>in contempt of court</strong> and the court may punish you accordingly.','Payments From Income','','publish','closed','closed','','payments-from-income','','','2017-08-24 12:57:20','2017-08-24 11:57:20','',0,'http://insolvency-service.co.uk/payments-from-income',0,'page','',0),(224,2,'2017-08-24 11:30:37','2017-08-24 11:30:37','<h2>Bankruptcy, Pensions & Funeral Planning</h2>\r\n<h3><a href=\"/\"><img class=\"alignnone size-full wp-image-435\" src=\"http://insolvency-service.co.uk/wp-content/uploads/2017/08/family.jpg\" alt=\"Start planning your future today\" width=\"960\" height=\"640\" /></a>Start making the right investments</h3>\r\n<p class=\"summary\"><span class=\"nomargin\">In bankruptcy, you may lose some of your pension capital and have to make payments from pension income towards your debts. <a href=\"http://insolvency-service.co.uk/debt-management\">Manage your debts</a>.\r\n</span></p>\r\n<strong>There are four types of pension you may have already or could receive in the future:</strong>\r\n<ul>\r\n <li><strong>State Pension</strong></li>\r\n <li><strong>Occupational Pension </strong>- Contributions may have been made by the employer, the employee, or both.</li>\r\n <li><strong>Personal Pension</strong>.</li>\r\n <li><strong>Group Personal Pension</strong> - Payments are made to a pension provider, often on favourable terms negotiated by a employer/ trade association or union. In bankruptcy these are treated in the same way as other personal pensions.</li>\r\n</ul>\r\n<h2>Plan ahead of time</h2>\r\nWhen people retire, the last thing they want to think about is their funeral, but now is the perfect time to plan. No matter how far away you think you might be, there isn\'t a better time than the present.\r\n\r\nYou can pre-plan your funeral and tell your loved ones what you want and how you want to be remembered. Pre-planning can take the financial burden and emotional stress off of your family and can get the kind of funeral that you want.\r\n\r\n<em>You can pay for your funeral in full or with monthly instalments - choose a solution that best suits your needs.</em>\r\n\r\nFor help and advice regarding your funeral plans, <a href=\"https://www.funeralguide.co.uk/funeral-directors/east-sussex/brighton/\" target=\"_blank\" rel=\"noopener\">we recommend the Funeral Guide</a>. They will help you find a funeral director throughout Sussex including Brighton and Hove.\r\n<h2>Will I loose some of my pension?</h2>\r\nState pensions or any payments from the State Second Pension (S2P) scheme are never impacted by Bankruptcy proceedings.\r\n\r\nThe <strong><a href=\"http://www.opsi.gov.uk/ACTS/acts1999/90030--c.htm#11\" target=\"_blank\" rel=\"noopener\">Welfare Reform and Pensions Act 1999</a></strong> states that where a bankruptcy order was made on a bankruptcy petition which was presented on or after 29th May 2000, all pension schemes (Occupational or Private) which have been approved by HM Revenue and Customs do not form part of a bankrupt\'s estate and therefore cannot be claimed by the Trustee in bankruptcy. <strong>\r\nThis refers to the pension as an asset, not income from the pension. </strong>\r\n\r\n<strong>Approved pension schemes defined as: </strong>\r\n<ul>\r\n <li>Those registered under <strong><a href=\"http://www.opsi.gov.uk/ACTS/acts2004/40012--p.htm\" target=\"_blank\" rel=\"noopener\">section 153 of the Finance Act 2004</a> </strong>(meaning, schemes registered by HM Revenue and Customs plus annuity contracts used to secure benefits under a registered pension scheme which do not provide for immediate payment of benefits)</li>\r\n <li>Retirement annuity contracts.</li>\r\n <li>Those approved by the HM Revenue and Customs for tax purposes;</li>\r\n <li>Stakeholder pensions.</li>\r\n</ul>\r\n<em><a href=\"http://www.answerbag.co.uk/news/new-inflation-figures-mean-pensioners/\" target=\"_blank\" rel=\"noopener\">Click here</a> to find out what inflation is doing to pension prices.</em>\r\n\r\n<strong>Unapproved pension schemes</strong>\r\nUnapproved pension scheme can possibly be excluded from a bankruptcy estate by applying to court for an exclusion order or by making a qualifying agreement with the Official Receiver.\r\n\r\n<strong>Pensions included in a Bankruptcy estate.</strong>\r\nWhen a pension policy is included in a bankruptcy estate, the official receiver can claim the lump sum and the regular payments. This can also be after discharge from bankruptcy. It may be possible to buy back part or all of the pension policy at a later time.\r\n<h2>Income from Pensions during Bankruptcy</h2>\r\nIf you receive a regular income from a pension and/or a lump sum during bankruptcy, then this may be subject to an income payment order or income payment agreement.\r\n\r\nYou may apply to the court to for an <strong>exclusion order</strong> or make an <strong>qualifying agreement</strong> with the Trustee that this should be excluded. As in the case of unapproved pension schemes, your current and future needs and that of your family/dependents are considered.\r\n\r\nThe qualifying agreement can be revoked by the Trustee if you are found to fail to disclose relevant details that would have altered the decision made on the agreement.\r\n\r\n<a href=\"http://insolvency-service.co.uk/contact-us\">Please contact us for more advice</a>.\r\n\r\n<strong>You make apply to the court for an exclusion order:-</strong>\r\n<ul>\r\n <li>Within 13 weeks of the appointment of the Trustee\r\nOR</li>\r\n <li>within 30 day of the revoke of a qualifying agreement.</li>\r\n</ul>\r\n<div id=\"IVAadvice\">\r\n<h2><a href=\"http://insolvency-service.co.uk/iva-faq\">IVAs & Your Pension</a></h2>\r\nThe asset that is your personal pension is not at risk on an IVA. However, you may be required to reduce or suspend payments into it for the duration of the IVA with the intention of using this money towards the IVA.\r\n\r\nIncome received from either a state or other pension schemes are considered as income when calculating how much you can afford to pay into an IVA.\r\n\r\n<a href=\"http://insolvency-service.co.uk/cva\">A CVA is applied to companies</a>.\r\n\r\nIf you have made excessive contributes into a personal pension plan, just before applying for personal involvency, which is what an IVA is, then this may be considered to be an attempt to hide money from your creditors. In the case of bankruptcy, this transaction could be reversed by court order and the money taken to paid towards your debts. Your creditors would require the same in order to approve the IVA propsal, after all an IVA is intended to produce more for the creditors than bankruptcy.\r\n\r\n</div>','Pensions','','publish','closed','closed','','pensions','','','2018-05-21 10:26:58','2018-05-21 09:26:58','',0,'http://insolvency-service.co.uk/pensions',0,'page','',0),(225,2,'2017-08-24 11:30:38','2017-08-24 11:30:38','\r\n <h1>Bankruptcy Petition</h1>\r\n <p class=\"summary\">How does someone become bankrupt? Under UK Bankruptcy law, there are 3 ways. </p>\r\n <p>The 3 routes to Bankruptcy.</p>\r\n <ul><li>Creditor application to the court (Creditor Petition).</li>\r\n <li>Debtor application to the court, ie applying for your own bankruptcy (Debtor Petition).</li>\r\n <li>IVA Supervisor application to the court in the case where the debtor has defaulted on the IVA and alternative arrangement can\'t be agreed. </li>\r\n </ul><h2>Debtor\'s Petition.</h2>\r\n <p>Petitioning one\'s own bankruptcy requires the debtor to complete a bankruptcy petition form (called form 6.27) and a statement of affairs form (called form 6.28). </p>\r\n <h3>Advice on Completing Statement of Affairs form. </h3>\r\n <p>The Statement of Affairs form requires detailed information, including valuation of assets which may not be know without seeking professional help. Information here is in addition the <a href=\"http://www.insolvency.gov.uk/pdfs/forms/debtorsguidance.pdf\" target=\"_blank\">Official Statement of Affairs Guidance Leaflet</a> as provided by the Insolvency Service. </p>\r\n <ul><li>Q1.14 does not required details of informal negotiation attempts with creditors.<br />\r\n Q1.15 requires details of impeding court action, including magistrate courts.</li>\r\n <li>Section is only relevant to those self employed at some point in the past 2 years.</li>\r\n <li>Section 3 is about value of assets. Approximate values only should be given, based on sale at auction, not what they we cost to replace from new.</li>\r\n <li>Section 5 asks for details of past and present bank accounts. Any money in these accounts should be withdrawn prior to the bankruptcy application. These accounts will be frozen and provisions need to be made to allow for payment essential living expenses.</li>\r\n <li>Section 6 is about employment and income. Include only regular income and that of other household members as this impacts how much is needed to maintain basic domestic needs. Include all state benefits entering the household, even though the claimant is not the person petitioning for bankruptcy. </li>\r\n <li>Section 7 includes a standard list of household and personal outgoings. Details of all outgoings should be detailed in addition to the standard list.</li>\r\n <li>Section 8 concerns property. Those applying for bankruptcy should be aware that in the case of owner-occupation, where the property is solely in spouses name, then the applicant may have a claim on part of the property, therefore this will be considered as an asset in the bankruptcy. Specific professional advice should be sort on this matter. </li>\r\n <li>Section 9 concerns property sold in the past 5 years. If it is considered that the asset was disposed of a less than its true value, the Trustee has the option to reverse the transaction. </li>\r\n <li>Section 10 covers details of dependant children, spouse/partner and other household members. This is to be taken into account by the Trustee when deciding value of income payment orders (payments from income the bankrupt is required to pay until discharge from bankruptcy.</li>\r\n <li>Section 11 covers reasons for bankruptcy. Details of when difficulties when first experience and the root cause the the problems are required. Extreme care must to taken in completing this section as instrumentation of the facts may leads to an Bankruptcy Restriction Order.</li>\r\n </ul><p>For residents of England and Wales, both forms are to be completed and presented to the most local court with bankruptcy jurisdiction. For those not living or domiciled in England or Wales, the forms are to be presented to the High Court in London.</p>\r\n <p>Court fees of £150 and a deposit of £325 must be paid by the debtor at this point. Court fees can be waived when the debtor in on benefits and total income does not exceed £15,050 per year. Also, the fee can be waived if undue financial hardship can be proven. Fee wavier is by application via form ex160.</p>\r\n <p>Depending on local practices a hearing may be immediate, later same day or by appointment at a later date.</p>\r\n <p>The Court may refer the case to an Insolvency Practioner in the case where the possibility of an IVA being be more appropriate course of action needs consideration.</p>\r\n <h2>Creditor\'s Petition. </h2>\r\n <p>For a bankruptcy petition to be presented to the court, 3 conditions must be satisfied.</p>\r\n <ol><li>The debtor must be domiciled or resident in England/Wales or be active in business in England or Wales, on the date of the petition, or at any time in the previous 3 years.</li>\r\n <li>The debt must be at least £750 to the creditor petitioning for bankruptcy. </li>\r\n <li>The debtor must have not realistic ability to repay the debt, or refusing to pay the debt. This is proven by the debt being served with a <a href=\"Statutory-Demand \">statutory demand</a>, which has not been set aside or complied to.</li>\r\n </ol><h3>The 4 types of Creditor Petition. </h3>\r\n \r\n <ol><li>Failure to comply with a statutory demand, debts payment currently due/overdue.<br /></li>\r\n <li>Failure to comply with a statutory demand, debts payment due in the future. <br /></li>\r\n <li>A court order execution returns unsatisfied. (eg bailiffs were not able to seize items of value)<br /></li>\r\n <li>Default in connection with an IVA.<br /></li>\r\n </ol><p>2 or more creditors may jointly petition.</p>\r\n <p>Secured creditors may petition for the part of the debt this is not secured, or risk forfeiting their security.</p>\r\n <p>The creditor\'s petition must state: </p>\r\n <ul><li>The amount owed, and if interest is owed how it has been calculated and the justification for this. </li>\r\n <li>That the debt is for a liquidated sum payable now or at a specified future date and that the debtors has no realistic chance of making payment on time.</li>\r\n <li>That the debt is unsecured.</li>\r\n </ul><p>If the petition is based upon a Statutory demand, then only that debt, plus interest accrued since the date of the demand was issued can be included.</p>\r\n <p>If the petition is based upon an unsatisfied execution of a previous court order, then full details must be given including the value of any sum rasied by the Court\'s sheriffs or Bailiffs. It is not enough the bailiffs visited the a property and were unable to gain access, they would have to had been refused access. </p>\r\n <h2>IVA Supervisors\' Petition.</h2>\r\n <p>If you are currently within an IVA, your supervisor may petition the for your bankruptcy on the grounds that:</p>\r\n <ul><li>You supplied false of misleading information on which the arrangement is based. </li>\r\n <li>You have failed to maintain the terms to the arrangement.</li>\r\n </ul><p>In this case, the IVA Supervisors can become the Trustee in the bankruptcy. </p>\r\n <h2>Issue of the Bankruptcy Petition</h2>\r\n <p>A Bankruptcy Petition must be served in person. A Bankruptcy order may still be prevented but you must give at least 7 days notice of your intention to oppose it. You may not use any reason for which a ruling has already been made against, unless there has been a change in circumstances.</p>\r\n <div id=\"BottomCalltoAction\">\r\n <h2>What To Do Next</h2>\r\n <p>If you are consider petitioning for you own bankruptcy, the <strong>you must</strong> also consider whether a IVA is a better alternative for your circumstances. This is especially the case if you own your home or have other high value assets to want to keep.</p>\r\n <p><strong>CALL US</strong> or submit the<strong> INSTANT ADVICE </strong> form for<strong> Immediate Free Advice.</strong></p>\r\n </div>\r\n','Petition','','publish','closed','closed','','petition','','','2017-08-24 12:57:56','2017-08-24 11:57:56','',0,'http://insolvency-service.co.uk/petition',0,'page','',0),(226,2,'2017-08-24 11:30:38','2017-08-24 11:30:38','<h2><strong><a href=\"/\"><img class=\"alignnone size-full wp-image-409\" src=\"http://insolvency-service.co.uk/wp-content/uploads/2017/08/law_hero_2-1950x1301.jpg\" alt=\"\" width=\"1920\" height=\"1281\" /></a>Bankruptcy Advantages and Disadvantages</strong></h2>\r\nBankruptcy is a certain process, it will free your debts with creditors, but you must consider all the consequences very seriously.\r\n\r\nBy advantages and disadvantages, we mean compared to coming to an agreement with your creditors whereby bankruptcy is avoided.\r\n\r\n<strong><a href=\"http://www.debt-free-iva.co.uk/\" target=\"_blank\" rel=\"noopener\">Find out how you can become debt free!</a></strong>\r\n<h2><strong>Bankruptcy Advantages</strong></h2>\r\n<strong>The outcome is certain -</strong>\r\n\r\nYou will be free from all of the following debts:-\r\n<ul>\r\n <li>Unsecured Loans.</li>\r\n <li>Tax and Vat Bills.</li>\r\n <li>Credit Cards and store cards.</li>\r\n <li>Catalogue accounts.</li>\r\n <li>Any unpaid bills.</li>\r\n <li>Debt subject to County Court Judgements.</li>\r\n</ul>\r\n<h3><strong>Stress can be reduced.</strong></h3>\r\nWe are not suggesting bankruptcy is without stress, however negotiating with many creditor at the same time can be worse. Many people feel a burden is lifted when the bankruptcy Trustee takes control of their finances.\r\n<h3><strong>You pay back less.</strong></h3>\r\nIf you are made bankrupt, you may be required to make contributions from income for no more than 3 years. If an <strong>informal arrangement</strong> is agreed, (as in debt management) then the debts are repaid in full. In the case of a <strong>formal arrangement</strong>, (as in an IVA) you are normally required to make payments from income for 5 years and in applicable, remortgage your home to free up equity in the final year of the agreement.\r\n\r\nThere are many things you will have to pay money back for and one of them is for development loans for properties. Individuals are deciding to change their career and get into the world of property development; however they will have to take out finance from either a bank or private lender to fund their project. For property development finance, <a href=\"https://www.hunterfinance.co.uk/\" target=\"_blank\" rel=\"noopener\">see this site</a>.\r\n\r\n<iframe src=\"https://www.youtube.com/embed/svYPoxAcMSM\" width=\"100%\" height=\"450px\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe>\r\n<h3><strong>Stops creditors chasing payment.</strong></h3>\r\nAll creditors are bound by and must accept the Bankruptcy order, not just the one (or ones) petitioning for the bankruptcy. Whether they agree with it or not all unsecured debts are written off after bankruptcy discharge.\r\n<h2><strong>Bankruptcy Disadvantages</strong></h2>\r\n<h3><strong>Loss of all assets of worth.</strong></h3>\r\nYou will almost certainly lose all your assets of value that can be sold off. Some items are exempt, for example, equipment needed for work and basic domestic needs. You may have to accept exchange for items of lower value, e.g. trading in the new BMW for a more modest car. For advice on managing your debts, <a href=\"http://beston.co.uk/services.html\" target=\"_blank\" rel=\"noopener\">click here</a>.\r\n<h3><strong>Potential loss of your home.</strong></h3>\r\nIf there is equity in your home, then your share of it is claimed as part of the bankruptcy. This may lead to the house being sold if you can\'t arrange from someone to buy out your share. Even if the house is in your spouses/partner name, the bankruptcy Trustee may be able to claim it. Typically 50% of equity in the family home is available to the Trustee Read more at <a href=\"Home-Property%20\">Your Home & Bankruptcy</a>.\r\n<h3><strong>Potential loss of future assets.</strong></h3>\r\nAny assets gained during bankruptcy has the potential to can be claimed by the Trustee. This included windfalls in general and anything bequested in a will. Something of little value at the time of the bankruptcy order, but rising in value may also be seized by the Trustee.\r\n<h3><strong>Does not help mortgage arrears.</strong></h3>\r\nIf you have mortgage arrears, your home may still be repossessed by your mortgage lender.\r\n<h3><strong>Does not help rent arrears.</strong></h3>\r\nA landlord can still be able to enforce a court order for none payment of rents. Also, becoming bankrupt may violate the terms of a tenancy agreement.\r\n\r\nIf you are having difficulty securing your mortgage, get advice from <a href=\"http://www.1stdirectmortgages.co.uk/remortgages.html\" target=\"_blank\" rel=\"noopener\">1st Direct Mortgages. </a>\r\n<h3><strong>Process can be expensive.</strong></h3>\r\nIf you are subject to an bankruptcy order and seek to preserve an asset, for example a property, by settling the debts at this time, then you are likely to be charged the costs involved in the bankruptcy.\r\n<h3><strong>Closure or sale of business</strong></h3>\r\nIf you run your own business and it is of value, it will be sold. Otherwise it will be shut down and all employees dismissed. This does not apply in the case of a self employed sole trader.\r\n<h3><strong>Investigation of personal finances.</strong></h3>\r\nYou personal finances and your conduct in relation to them will be investigated by public officials. Becoming bankruptcy is not a crime, but if evidence of fraudulent for irregular activities are found, criminal proceedings may follow.\r\n<h3><strong>Effect on credit after bankruptcy</strong></h3>\r\nYour credit rating will continue to be adversely effected after bankruptcy discharge, disenfranchising you from financial products and services. You must declare you are a discharged bankrupt when applying for a mortgage at any time in the future. You may find it difficult to obtain a mortgage, especially at the most completive rates offered to other consumers. Discharged bankrupts may have problems opening the most basic of bank accounts.\r\n\r\nUtility providers may require pre-payment for services.\r\n<h3><strong>Restrictions whilst bankrupt</strong></h3>\r\nWhile serving bankruptcy, there are restrictions on your financial activities and you will be barred from practicing some professions, hence you may lose your job. You may not be the director of a limited company. For more details see <a href=\"Restrictions%20\">Bankruptcy Restrictions.</a>\r\n<h3><strong>Bankruptcy Restriction Orders (BRO)</strong></h3>\r\nIf the Trustee considers you to be blameworthy, reckless or dishonest in your financial affairs and this contributed to your bankruptcy, a <a href=\"Restriction-Orders%20\">Bankruptcy Restriction Order</a> can be made against you. This prolongs restrictions on your activities.\r\n<h3><strong>Not all debts are written off</strong></h3>\r\nAll debts to creditors are (normally) written off in bankruptcy and some not relating to borrowing, however some debt will survive bankruptcy see <a href=\"Debts-not-included%20\">Debts not included in bankruptcy</a> for details.','Pros And Cons: Bankruptcy','','publish','closed','closed','','prosandcons','','','2017-09-05 12:15:13','2017-09-05 11:15:13','',0,'http://insolvency-service.co.uk/prosandcons',0,'page','',0),(227,2,'2017-08-24 11:30:38','2017-08-24 11:30:38','\r\n <h1>Bankruptcy Restrictions Order </h1>\r\n <p class=\"summary\">If the Official Receiver considers you have been blameworthy and/or reckless in contributing to your bankruptcy, or are attempting to hide assets, an application to the court for a Bankruptcy Restriction order can be made. </p>\r\n <p> The most common reasons for a <strong>bankruptcy restriction order</strong> are:-</p>\r\n <ul><li> <strong>Incurring a debt with no reasonable expectation of being able to pay</strong>. <br />\r\n This includes increasing debt on credit cards. </li>\r\n <li><strong>Gambling or unreasonable extravagance which contributed to the bankruptcy.</strong></li>\r\n <li><strong>Entering into a <a href=\"#transactionundervalue\">transaction at an undervalue</a>.</strong><br />\r\n This means giving away items, or selling them at less than their true value. It is a myth that your can give away your possessions just before bankruptcy in an attempt to exclude them. Any transaction can be reversed upon court order.</li>\r\n <li><strong>Failing to account satisfactorily for a loss of property to meet debts.</strong><br />\r\n If you sell a property up to 2 years before the bankruptcy order, you must be able to account for the monies.</li>\r\n <li><strong>Entering into a preference. </strong><br />\r\n Making payments to some creditors in preference to others. You are not allowed to repay debts to friends / family members, while ignoring debts to other lenders. </li>\r\n <li><strong>Fraud or fraudulent breach of trust. <br /></strong>This usually refers debts resulting from stolen money from an employer etc and can also lead to a prison sentence. </li>\r\n </ul><p>Other reasons for a Bankruptcy Restriction Order are:-</p>\r\n <ul><li>Making excessive pension contributions.</li>\r\n <li>Failing to supply goods that have been either completely or partly paid for, which gave rise to a claim provable in the bankruptcy.</li>\r\n <li>Neglecting business affairs which either were the cause of the bankruptcy, or made the extent of the bankruptcy worse. </li>\r\n <li>Being been made bankrupt on a separate occasion in the past 6 years. </li>\r\n <li>General lack of co-operation with the Official Receiver.</li>\r\n </ul><h2>Transactions at under value<a name=\"transactionundervalue\" id=\"transactionundervalue\"></a></h2>\r\n <p>If before bankruptcy, you sell your interest in any asset to anyone for less than its true worth, the Trustee may apply to the court for an order to reverse the sale. This can be considered \'unfit behaviour\' and may result in a <a href=\"Restriction-Orders \">bankruptcy restriction order</a>.</p>\r\n <p>This can apply to any asset, even if it was innocently given as a Christmas present to a spouse. </p>\r\n <p>In short, you just can not give stuff away in the hope this hides it from your creditors and excludes it from the bankruptcy. </p>\r\n <p>The Trustee can apply to the court to have the transaction reverse if either of the following are true. </p>\r\n <ul><li>The transaction was performed up to 5 years before the bankruptcy, <strong>and</strong> you were insolvent at the time.</li>\r\n <li>The transaction was performed up to 2 years before bankruptcy. </li>\r\n </ul><h2>Bankruptcy Restriction Undertaking</h2>\r\n <p>A Bankruptcy Restriction Undertaking (BRU) is like a BRO, but is an agreement with the Trustee without involving the court. A BRU comes about when you accept the allegations made by the Trustee about your conduct. Due to the \'guilty plea\', the duration of the BRU is often shorter than if it were a court imposed BRO. </p>\r\n <h2>Effects of a BRO/BRU. </h2>\r\n <p>A Bankruptcy Restriction Order or Undertaking lasts for between 2 and 15 years.</p>\r\n <p>A BRO extends <a href=\"Restrictions \">normal bankruptcy restrictions</a> by the length of the order. Additionally, someone subject to a BRO may not:</p>\r\n <ul><li>Be an Member of Parliament, National assembly or take up their seat in the House of Lords</li>\r\n <li>Purchase their council home.</li>\r\n <li>Be or act as a School Governor.</li>\r\n </ul><p>Breech of the any bankruptcy restrictions is an offense and can lead to criminal proceedings.</p>\r\n <h2>Bankruptcy Restriction Order are Public Record </h2>\r\n <p>See <a href=\"http://www.insolvency-service.co.uk/ddirector/viewbrobrudetailslatest.asp\">latest <strong>bankruptcy restriction order</strong>s </a>- These are real cases displayed on the Government\'s Insolvency Service website. </p>\r\n \r\n <div id=\"BottomCalltoAction\">\r\n <h2>What To Do Next</h2>\r\n <p>If you are considering Bankruptcy, but are worried you may be subject to a<strong> Bankruptcy Restriction Order </strong>, then <strong>CALL US</strong> or submit the<strong> INSTANT ADVICE </strong> form for<strong> Immediate Free Advice.</strong></p>\r\n <p>It is possible an IVA could save your from wrath of your Creditors, the Official Receiver and from a full judicial enquiry into your finances. </p>\r\n </div>\r\n </div>','Restriction Orders','','publish','closed','closed','','restriction-orders','','','2017-08-24 12:58:40','2017-08-24 11:58:40','',0,'http://insolvency-service.co.uk/restriction-orders',0,'page','',0),(228,2,'2017-08-24 11:30:38','2017-08-24 11:30:38','\r\n<h1>Personal Restrictions in Bankruptcy</h1>\r\n<p class=\"summary\">An undischarged bankrupt will find they are under financial restrictions and depending upon profession, may loose their job.</p>\r\nAn undischarged bankrupt is subject to the following restrictions:-\r\n<ul>\r\n <li>You may not obtain credit of £500 or more in total, without disclosing your bankrupt status. This includes ordering goods on credit.</li>\r\n <li>If you are a sole trader, you may trade under a new trading name, but you must advise those you come into contact with in your business dealings of your bankruptcy status.</li>\r\n <li>Industry professional rules make it more or less impossible for a bankrupt to practice as a <strong>Solicitor</strong> or<strong> Accountant.</strong></li>\r\n <li>You may not practice as an <strong>Insolvency Practitioner </strong></li>\r\n <li>You are not permitted to join the <strong>Police</strong> or <strong>Armed Forces</strong> while Bankrupt.\r\nThere are implications for those in certain roles who become bankrupt whist already serving in Police/Armed Forces.</li>\r\n <li>You are not allowed to act as a <strong>Charity Trustee </strong> unless you are a director of that charity and have the court\'s permission to continue your role.</li>\r\n <li>You may not be, or act as the director of a limited company, or be directly or indirectly involved in the formation, running and management of a limited company.</li>\r\n</ul>\r\nBecoming bankrupt is not a criminal offense, however breaching any of the above restrictions is, and may lead to criminal proceedings.\r\n\r\nYour employer or any potential employee may be unwilling to employee someone in a role of responsibility involving finance or the handling of money.\r\n<h2>Bankruptcy Restriction Orders (BRO)</h2>\r\nIf the Trustee considers you to be blameworthy, reckless or dishonest in your financial affairs and this contributed to your bankruptcy, a <a href=\"Restriction-Orders \">Bankruptcy Restriction Order</a> can be made against you. This prolongs the above restrictions and adds further restrictions to your activities.\r\n','Restrictions','','publish','closed','closed','','restrictions','','','2017-08-24 12:59:05','2017-08-24 11:59:05','',0,'http://insolvency-service.co.uk/restrictions',0,'page','',0),(229,2,'2017-08-24 11:30:38','2017-08-24 11:30:38','\r\n<h1>SIVA (or Simple IVA)</h1>\r\n<p class=\"summary\">The SIVA (or Simple IVA) is soon to replace the IVA as the Government looks to update the Insolvency Act 1986 to cater for the rising number of non-business related insolvencies.</p>\r\nWhen IVA\'s were introduced as part of the Insolvency Act 1986, it was intended they would serve as an alternative to bankruptcy for those with business debts.\r\n\r\nRecord levels of consumer debt and the heavy marketing of IVA\'s has resulted in a most IVA\'s being undertaken by non-business people. Therefore the government has started looking into improvements to make the IVA process more suited to the majority of people affected by it.\r\n\r\nIt is expected the current IVA system will remain for business debtors, but a two-tier system will be introduced for non-business debtors.\r\n\r\nThis two-tier system will be known as the Simple IVA (SIVA) with the tiers being divided according to level of debt.\r\n<h2>SIVA 1</h2>\r\nFor debts under £25,000. Like the present IVA, success of an proposal depends on a 75% majority of creditors, by value of the debt, voting in favour.\r\n<h2>SIVA 2</h2>\r\nFor Debts between £25,000 and £75,000. Success of an proposal depends on a 51% majority by value of the debt, voting in favour.\r\n<h2>Introduction date for SIVAs</h2>\r\nIt is expected Simple IVA will be introduced some time in 2008, however exactly how they will operate will still not fully know.\r\n\r\n','SIVA','','publish','closed','closed','','siva','','','2017-08-24 12:59:15','2017-08-24 11:59:15','',0,'http://insolvency-service.co.uk/siva',0,'page','',0),(230,2,'2017-08-24 11:30:38','2017-08-24 11:30:38','\r\n<h1>Statutory Demands - Free Help and Advice</h1>\r\n<p class=\"summary\">A Statutory Demand is a formal document which can be issued to a debtor who has loan repayment arrears. This is the first step of the legal process a creditor may use to obtain a court order to get you to repay your debt.</p>\r\nIf you do not repay your debts on time, your creditor may use the power of the courts to get you to settle the debt or start making reasonable payments.\r\n\r\nA creditor has the option to try to bankrupt you, with a <strong>statutory demand </strong>being the first step of that process.\r\n\r\nA Statutory Demand requires you to settle the outstanding debt by either:-\r\n<ul>\r\n <li>Pay monthly/weekly payments</li>\r\n <li>A lump sum</li>\r\n <li>Secure it against a property or other assets.</li>\r\n</ul>\r\nWithin 18 days is receiving a Statuary Demand, you may apply to your local County Court to set it aside under the following circumstances:\r\n<ul>\r\n <li>The amount of money owed is in dispute</li>\r\n <li>The debt is not payable now.</li>\r\n <li>You are perpared to secure the debt to the creditors satisfaction under the creditors stated terms.</li>\r\n <li>The amount owed is less than £750.</li>\r\n <li>The statutory demand has been issued in error or does not comply with rules.</li>\r\n <li>You can and are about to repay the debt.</li>\r\n <li>You have a counterclaim of more than the money owed.</li>\r\n</ul>\r\nIgnoring or Failing to comply to a Statutory Demand entitles the creditor to present a petition for bankruptcy 21 days from the date of issue.\r\n\r\nSome companies use statutory demands as a scare tactic. They know that when someone is unable to repay a debt, they generally have more than one debt, and that whomever shouts loudest tends to get paid first. However, you should always take a <strong>Statutory Demand</strong> seriously.\r\n<div id=\"donext\">\r\n<h2>What To Do Next</h2>\r\nIf you have received a <b>Statutory Demand</b>, or have been threatened with one, then please <strong>call us for FREE advice</strong> or submit the form on the left of this page.\r\nYou will have more options to repay your creditors than stated in terms of the demand.\r\n\r\n</div>\r\n<h2>Types of Statutory Demand</h2>\r\nThere are 3 types:-\r\n<ul>\r\n <li>Demand for a presently due debt, but not currently subject to a court order.</li>\r\n <li>Demand for a presently due debt, which is subject to a court order.</li>\r\n <li>Demand for a debt which is due some time in the future.</li>\r\n</ul>\r\nA <strong>Statutory Demand can only made for an unsecured debt</strong>. If the creditor holds some security on the debt, than that value must be stated so the unsecured portion of the debt is known.\r\n\r\nFor debts due in the future, the creditor must give reasons as to why it is considered that you have no realistic chance of making payments when they fall due.\r\n\r\nThe <strong>demand is normally issued </strong>to you <strong>in person</strong> by the creditor. It may be posted provided there is proof that you are aware of the demand.\r\n\r\nIf you are not contactable, them the demand can be issue by advertisement, however the creditor requires a court order to allow this.\r\n\r\nFailure to comply to a statutory demand is seen as proof you are not able to repay the debt, and as such, the creditor is entitled to serve a bankruptcy petition to the court.\r\n<div id=\"BottomCalltoAction\">\r\n<h2>What To Do Next</h2>\r\nIf you have received a <strong>Statutory Demand</strong>, or have been threatened with one, then please <strong>Call Us for FREE advice</strong>.\r\n\r\nWe can offer a solution that will be affordable to you and acceptable to your creditors.\r\n','Statutory Demand','','publish','closed','closed','','statutory-demand','','','2017-08-24 12:59:25','2017-08-24 11:59:25','',0,'http://insolvency-service.co.uk/statutory-demand',0,'page','',0),(231,2,'2017-08-24 11:30:39','2017-08-24 11:30:39','<div id=\"content\">\n<h1>Debt Consolidation</h1><p class=\"orange\">The principle behind Debt consolidation loans is fairly simple - you borrow a large lump sum to repay your creditors and are then left with one creditor and one monthly repayment.</p><p>If you find that you are unable to meet your monthly repayments to your creditors, one option is to apply for a debt consolidation loan. </p>\n<p>Monthly repayments may be lower than the sum you are currently paying, however, you may continue making repayments for a much longer period.</p>\n<p>Before you consider taking out a debt consolidation loan you should consider the following:-</p>\n<p><b>1. </b>As there are sometimes charges and penalties for early completion of a credit agreement always ensure you obtain a settlement figure from your existing lenders rather than a balance. Otherwise you could find you have not borrowed enough to repay your other debts in full.</p>\n<p><b>2.</b> Once you know exactly how much you owe and what the cost of your debt consolidation loan will be, you must take time to work out a realistic income and expenditure figure to establish whether or not you can afford the new payments. Remember to include an amount for contingencies and emergencies. If the sums still do not add up, then perhaps you should consider some form of debt management plan.</p>\n<h3>Types of loan available</h3>\n<p>The way in which debt consolidation loans operate varies.</p>\n<ul><li>You may be able to obtain an unsecured loan for this purpose from your bank or building society. The advantage of this is that your home or property are not \"secured\" against the loan and so will not be in danger should you fail to meet the terms of the agreement. The disadvantage is that the interest rate you pay will generally be higher than a secured loan.</li>\n <li>Several companies offer secured loans at competitive rates. These may reduce your monthly outgoings but remember that your property will be secured against the loan and if you do not pay it, the lender may take proceedings to have your property repossessed.</li>\n <li>Alternatively you may be able to re-mortgage your property to free up some of the equity in your house. The advantage of this is that you will be paying a lower rate of interest, probably the same as your mortgage rate. The disadvantages are that although the interest rate maybe lower you will probably be paying the loan over the same period as your mortgage so overall you will be paying more. Also your home will be at risk should you default on the payments.</li></ul><h3>Pros of a debt consolidation loan</h3>\n<ul><li>May be able to reduce your monthly payments. \n </li><li>Can take off some of the pressure you may be under from your existing creditors. \n</li><li>You will have only one creditor to deal with. </li></ul><h3>Cons of a debt consolidation loan</h3>\n<ul><li>Can pay more over a longer period. \n </li><li>May incur additional costs for setting up the loan. \n </li><li>If secured, your property may be at risk. \n </li><li>You will be left with only one creditor - this can make it difficult to negotiate should you have further problems in repaying your loan. \n</li><li>If the loans you are consolidating have all the interest added at the start you may in effect be paying interest twice. The interest charged for the first loan and the interest charged for the consolidation. </li></ul><p>If you are considering a loan to consolidate your debt problems, or would just like more information, contact one of our advisors today for advice on the total spectrum of debt solutions that may be applicable to your situation.</p> \n<br/><p><strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions. </p>\n </div>','Content Page Name Debt Consolidation Loans','','publish','closed','closed','','content-page-name-debt-consolidation-loans','','','2017-08-24 12:30:45','2017-08-24 11:30:45','',0,'http://insolvency-service.co.uk/content-page-name-debt-consolidation-loans',0,'page','',0),(232,2,'2017-08-24 11:30:39','2017-08-24 11:30:39','<div id=\"content\">\n<h1>Insolvency Glossary of Terms - Jargon Buster</h1><p class=\"orange\">Brief Definitions of Insolvency and Bankruptcy Terms and Expressions for England and Wales.</p><h3>ADMINISTRATION ORDER</h3>\n<p>An administration order is a court order placing a company that is, or is likely to become, insolvent under the control of an administrator following a petition by the company, its directors or a creditor. The purpose of the order is to preserve the company\'s business and assets to allow a reorganisation or ensure the most advantageous realisation of its assets whilst protecting it from action by its creditors. The administration of the insolvent estate of a deceased debtor. County court process permitting an individual with modest debts to pay off installments. No insolvency practitioner is involved.</p>\n<h3>AUTHORISED (OR LICENSED) INSOLVENCY PRACTITIONER</h3>\n<p>The person (usually an accountant or solicitor) authorised by the Department of Trade and Industry (DTI) or a professional body to act as trustee, nominee, supervisor, liquidator, administrative receiver or administrator. Only such a person can hold any of these offices. \n</p><h3>ADMINISTRATIVE RECEIVER </h3>\n<p>The person appointed by the holder of a floating charge debenture over a company\'s assets to collect in and realise the assets of that company and to repay the indebtedness to the debenture holder. </p>\n<p/>\n<h3>ADMINISTRATIVE RECEIVERSHIP</h3>\n<p>The term applied when an insolvency practitioner is appointed as an administrative receiver.</p>\n<h3>ADMINISTRATOR </h3>\n<p>The insolvency practitioner appointed by the court to handle the affairs of a company the subject of an administration order.</p>\n<h3>AGRICULTURAL RECEIVERSHIP</h3>\n<p>A special remedy to take control of the assets of a farmer under the Agricultural Credits Act 1928.</p>\n<h3>ASSOCIATES</h3>\n<p>Associates of individuals include family members, relatives, partners and their relatives, employees, employers, trustees in certain trust relationships, and companies which the individual controls. Associates of companies include other companies under common control.</p>\n<h3>BANKRUPT</h3>\n<p>Someone against whom a bankruptcy order has been made and who has not been discharged from bankruptcy.</p>\n<h3>BANKRUPTCY ORDER</h3>\n<p>The court order making an individual bankrupt (this replaces the concept of the receiving order and adjudication of bankruptcy in the old Act cases).</p>\n<h3>BANKRUPTCY RESTICTION ORDER</h3>\n<p>Bankruptcy Restriction Orders (BRO) are usually applied when the Official Receiver considers that a person applying for bankruptcy may have been dishonest or reckless in their spending. BROs can extend the period of bankruptcy from 2 to 15 years.</p>\n<h3>BOND</h3>\n<p>Insurance cover needed by a person who acts as an insolvency practitioner. </p>\n<h3>CHARGE</h3>\n<p>The appropriation of real or personal property for the discharge of a debt without giving the creditor any property in, or possession of, the subject of security.</p>\n<h3>CHARGING ORDER</h3>\n<p>Court order placing restrictions on the disposal of certain assets, such as property or securities, given after judgement and gives priority of payment over other creditors.</p>\n<h3>COMPANY DIRECTORS DISQUALIFICATION ACT (1986)</h3>\n<p>Consolidation Act on the disqualification of directors.</p>\n<h3>COMPANY VOLUNTARY ARRANGEMENT (CVA)</h3>\n<p>A voluntary agreement for a company is a procedure whereby a plan of reorganisation or composition in satisfaction of debts, is put forward to creditors and shareholders. There is limited involvement by the court and the scheme is under the control of a supervisor.</p>\n<h3>COMPOSITION</h3>\n<p>An agreement between debtor and his creditors whereby the compounding creditors agree with the debtor between themselves to accept from the debtor payment of less than the amounts due to them in full satisfaction of their claim.</p>\n<h3>COMPULSORY LIQUIDATION</h3>\n<p>The placing of a company into liquidation as a result of an application to the court, usually by a creditor.</p>\n<h3>CONNECTED PERSONS</h3>\n<p>Directors or shadow directors and their associates, and associates of the company.</p>\n<h3>CONTRIBUTORY</h3>\n<p>Shareholder, every person liable to contribute to the assets of a company in the event of it being wound up.</p>\n<h3>COURT-APPOINTED RECEIVER</h3>\n<p>A person, not necessarily a licensed insolvency practitioner, appointed to take charge of assets usually where they are subject to some legal dispute. Not strictly an insolvency process, the procedure may be used other than for a limited company, e.g. to settle a partnership dispute.</p>\n<h3>CREDITORS\' COMMITTEE</h3>\n<p>A creditors\' committee is formed to represent the interests of all creditors in supervising the activities of an administrator or trustee in bankruptcy, or receiving reports from an administrative receiver.</p>\n<h3>CREDITORS\' VOLUNTARY LIQUIDATION (CVL)</h3>\n<p>Relates to an insolvent company. It is commenced by resolution of the shareholders, but is under the effective control of creditors, who can choose the liquidator, liquidation committee.</p>\n<h3>DEBENTURE</h3>\n<p>A document stating the terms of a loan, usually to a company. Debentures may be secured on part or all of a company\'s assets, or they may be unsecured. Often also referred to as a floating charge, and the lender is often referred to as the debenture holder.</p>\n<h3>DEED OF ARRANGEMENT</h3>\n<p>Method for an individual (not a company) to come to terms with creditors short of formal bankruptcy, it has now been almost completely replaced by Individual Voluntary Arrangements.</p>\n<h3>DISQUALIFICATION OF DIRECTORS</h3>\n<p>A director found to have conducted the affairs of an insolvent company in an \"unfit\" manner may be disqualified, on application to the court by the DTI, from holding any management position in a company for between 2 and 15 years. </p>\n<h3>EXTORTIONATE CREDIT TRANSACTION</h3>\n<p>An extortionate credit transaction is a transaction by which credit is provided on terms that are exorbitant or grossly unfair compared with the risk accepted by the creditor. Such a transaction may be challenged by an administrator, a liquidator or a trustee in bankruptcy.</p>\n<h3>FIXED CHARGE</h3>\n<p>A fixed charge is a form of security granted over specific assets, preventing the debtor dealing with those assets without the consent of the secured creditor. It gives the secured creditor a first claim on the proceeds of sale, and the creditor can usually appoint a receiver to realise the assets in the event of default.</p>\n<h3>FLOATING CHARGE</h3>\n<p>A floating charge is a form of security granted to a creditor over general assets of a company which may change from time to time in the normal course of business (e.g. stock). The company can continue to use the assets in its business until an event of default occurs and the charge crystallises. If this happens, the secured creditor can realise the assets to recover his debt, usually by appointing an administrative receiver, and obtain the net proceeds of sale subject to the prior claims of the preferential creditors (e.g. Customs & Excise or Inland Revenue). </p>\n<h3>FRAUDULENT TRADING</h3>\n<p>Where a company has carried on business with intent to defraud creditors, or for any fraudulent purpose. It is a criminal offence and those involved can be made personally liable for the company\'s liabilities.</p>\n<h3>GOING CONCERN</h3>\n<p>Basis on which insolvency practitioners prefer to sell a business. Effectively it means the business continues, jobs are saved, and a higher price is obtained.</p>\n<h3>GUARANTEE</h3>\n<p>A legal commitment to repay a debt if the original borrower fails to do so. Directors may give guarantees to banks in return for the bank giving finance to their companies. Companies in a group may guarantee each others loans.</p>\n<h3>INDIVIDUAL VOLUNTARY ARRANGEMENT (IVA)</h3>\n<p>A voluntary arrangement for an individual is a procedure whereby the person comes to an arrangement with his creditors in how their debt will be discharged. Such a scheme requires the approval of the court and is under the control of a supervisor.</p>\n<h3>INSOLVENT</h3>\n<p>The state of not being able to pay one\'s debts as they fall due or having an excess of liabilities over assets.</p>\n<h3>INSOLVENCY ACT 1986 (IA 1986)</h3>\n<p>Primary legislation governing insolvency law and practice. Nevertheless, many other statues and statutory instruments are also relevant.</p>\n<h3>INSOLVENT LIQUIDATION</h3>\n<p>A company goes into insolvent liquidation if it goes into liquidation at a time when assets are insufficient for the payment of its debts and other liabilities and the expenses of liquidation.</p>\n<h3>INSOLVENCY PRACTITIONER (IP)</h3>\n<p>Person authorised by one of the chartered accountancy bodies, the Law Societies, The Insolvency Practitioners Association or the Department of Trade. The only person who may act as office holder in an insolvency proceeding.</p>\n<h3>INSOLVENCY RULES</h3>\n<p>The Insolvency Rules 1986, as amended, provide the detailed working procedures for the provisions of the Insolvency Act 1986.</p>\n<h3>INSOLVENCY RULES (IA 1986)</h3>\n<p>The Insolvency Rules 1986 (as amended) these Rules apply where the Act applies. Where the old Act continue to apply so do the Bankruptcy Rules 1952 and the Companies (Winding Up) Rules 1949. There are separate rules dealing with insolvent partnerships, insolvent deceased\'s estates and deeds of arrangement.</p>\n<h3>INTERIM ORDER</h3>\n<p>An individual who intends to propose a voluntary arrangement to his creditors may apply to the court for an interim order which, if granted, precludes bankruptcy and other legal proceedings whilst the order is in force.</p>\n<h3>INVESTORS\' COMPENSATION SCHEME</h3>\n<p>A statutory scheme operated by the SIB (Securities and Investments Board) to give individual investors up to �48,000 protection if an authorised investment business collapses. </p>\n<h3>JUDGEMENT</h3>\n<p><br/>1. Recognition of a debt by a court. <br/>2. Decision given by a court at the conclusion of a trial.</p>\n<h3>LAW OF PROPERTY ACT 1925 (LPA)</h3>\n<p>Governs transactions in law and property. Contains statutory powers of receivers appointed under a fixed charge.</p>\n<h3>LPA RECEIVER</h3>\n<p>Law of Property Act 1925 receiver: a person (not necessarily an insolvency practitioner) appointed to take charge of a mortgaged property by a lender whose loan is in default, usually with a view to sale or to collect rental income for the lender. Common in the case of failure of a property developer, whose borrowings will largely be secured on specific properties.</p>\n<h3>LIEN</h3>\n<p>Right to retain possession of assets or documents until settlement of a debt.</p>\n<h3>LIQUIDATION</h3>\n<p>The procedure whereby the assets of a company (or partnership) are gathered in and realised, the liabilities met and surplus, if any, distributed to members.</p>\n<h3>LIQUIDATION COMMITTEE</h3>\n<p>Committee of creditors who receive information from the liquidator and sanction some of his actions.</p>\n<h3>LIQUIDATOR</h3>\n<p>The person appointed to deal with the assets and liabilities of the company or partnership once the resolution to wind up has been passed or a compulsory winding up order has been made.</p>\n<h3>MAREVA INJUNCTION</h3>\n<p>Court order preventing the disposal of assets.</p>\n<h3>MEMBER</h3>\n<p>Shareholder of a company.</p>\n<h3>MEMBERS\' VOLUNTARY LIQUIDATION (MVL)</h3>\n<p>A solvent liquidation where the shareholders appoint the liquidator to realise assets and settle all the company\'s debts in full within 12 months.</p>\n<h3>MISFEASANCE</h3>\n<p>Breach of duty in relation to the funds or property of a company by its directors or managers.</p>\n<h3>MORTGAGE</h3>\n<p>A transfer of an interest in land or other property by way of security, redeemable upon performing the condition of paying a given sum of money.</p>\n<h3>NOMINEE</h3>\n<p>The person chosen by the individual or corporate debtor to report on the debtor\'s proposals for an IVA or CVA.</p>\n<h3>OFFICE HOLDER</h3>\n<p>A person who is required to be a qualified insolvency practitioner to hold the following posts, of a liquidator, provisional liquidator, administrator , administrative receiver, supervisor of a voluntary arrangement, or trustee in bankruptcy.</p>\n<h3>OFFICIAL RECEIVER (OR)</h3>\n<p>The civil servant employed by the DTI to head the regional offices whose responsibilities cover bankruptcies and compulsory liquidations.</p>\n<h3>ONEROUS PROPERTY</h3>\n<p>The term onerous property in the context of a liquidation or bankruptcy, applies to unprofitable contracts and to property that is unsaleable or not easily saleable or that might give rise to a continuing liability. Such property can be disclaimed by a liquidator or a trustee in bankruptcy.</p>\n<h3>PETITION</h3>\n<p>A written application to the court for relief or remedy.</p>\n<h3>POLICYHOLDERS PROTECTION ACT 1975</h3>\n<p>An act which established Policyholders Protection Board to provide compensation to the public in the event of the liquidation of an insurance company. The Board will make payment in full of liabilities under certain policies of compulsory insurance and 90 per cent of liability to provide policyholders under other general and investment type policies. Compensation is restricted to individual policyholders or partnerships; corporate policyholders are not protected.</p>\n<h3>PREFERENCE</h3>\n<p>A payment or other transaction in the six month to two year period preceding a liquidation, administration or bankruptcy, which places a creditor or a person connected with the insolvent, respectively, in a better position than they would have been otherwise. A liquidator, administrator or trustee in bankruptcy may recover any sums which are found to be preferences.</p>\n<h3>PREFERENTIAL CREDITOR</h3>\n<p>Defined in Schedule 6 of The Insolvency Act 1986. Has priority when funds are distributed by a liquidator, administrative receiver or trustee in bankruptcy.</p>\n<h3>PROOF OF DEBT</h3>\n<p>The document submitted in an insolvency to establish a creditor\'s claim. It may be informal (by e.g. letter) or in a prescribed form (in bankruptcy and compulsory liquidations).</p>\n<h3>PROVING</h3>\n<p>A creditor who claims is referred to as \"proving\" for his debt, and the document by which he seeks to establish his claim is his \"proof\". </p>\n<h3>PROVISIONAL LIQUIDATOR</h3>\n<p>The person appointed by the court to deal with the affairs of the company until a compulsory winding up order.</p>\n<h3>PROXY</h3>\n<p>The authority given by a creditor or member to another person (proxy holder) to attend a meeting and speak and vote at a meeting on behalf of the creditor ( principal) or member.</p>\n<h3>PROXYHOLDER</h3>\n<p>A person who is authorised to attend a meeting on behalf of someone else.</p>\n<h3>RECEIVER</h3>\n<p>The person appointed by the court for some specific purpose or the person appointed by a mortgage to exercise his rights over the charges property under the Law of Property Act 1925 (not to be confused with the Official Receiver or Administrative Receiver.</p>\n<h3>RECEIVERSHIP</h3>\n<p>The general term applied when a person is a appointed as a receiver or administrative receiver over certain assets.</p>\n<h3>RECOGNISED PROFESSIONAL BODY (RPB)</h3>\n<p>An organisation approved by the Secretary of State as being able to authorise its members to act as insolvency practitioners. <br/>A body may be recognised if it regulates the practice of a profession and maintains and enforces rules for securing that such of its members as are permitted by or under the rules to act as insolvency practitioners- <br/>(a) are fit and proper persons so to act, and <br/>(b) meet acceptable requirements as to education and practical training and experience.</p>\n<h3>RESERVATION OF TITLE OR RETENTION OF TITLE AGREEMENT</h3>\n<p>An agreement for the sale of goods to a company, being an agreement; (a) which does not constitute a charge on the goods, but (b) under which, if the seller is not paid and the company is wound up, the seller will have priority over all other creditors of the company in respect to the goods or any property representing the goods.</p>\n<h3>SECURED CREDITOR</h3>\n<p>A creditor with specific rights over some or all his debtor\'s assets in the event of insolvency. In essence he is paid first from the secured assets.</p>\n<h3>SECURITY</h3>\n<p>A charge or mortgage over assets taken to secure payment of a debt. If the debt is not paid, the lender has a right to sell the charged assets. Security documents can be very complex. The commonest example is a mortgage over a property.</p>\n<h3>SHADOW DIRECTOR</h3>\n<p>A person who is not formally appointed as a director, but in accordance with whose directions or instructions the directors of a company are accustomed to act. However, a person is not a shadow director merely because the directors act on advice given by him in a professional capacity.</p>\n<h3>SPECIAL MANAGER</h3>\n<p>A special manager is a person appointed by the Court in a compulsory liquidation or bankruptcy to assist the liquidator, official receiver or trustee in managing the insolvent\'s business. He does not need to be an insolvency practitioner.</p>\n<h3>STATUTORY DEMAND</h3>\n<p>A formal notice requiring payment of a debt exceeding �750 within 21 days, in default of which bankruptcy or liquidation proceedings may be commenced without further notice. </p>\n<h3>SUPERVISOR</h3>\n<p>The person appointed to supervise the implementation of the debtor\'s proposals for an IVA or CVA once approved by creditors (and members).</p>\n<h3>TRANSACTION AT AN UNDERVALUE</h3>\n<p>A transaction at an undervalue can describe either a gift or a transaction in which the consideration received is significantly less than that given. In certain circumstances such a transaction can be challenged by an administrator, a liquidator or a trustee in bankruptcy.</p>\n<h3>TRUSTEE</h3>\n<p>either:-</p>\n<ul><li>(a) in bankruptcy - the authorized insolvency practitioner appointed to deal with the estate of the bankrupt; </li>\n <li>(b) under a deed of arrangement - the authorized insolvency practitioner appointed to deal with the estate of the person who entered into the deed.</li></ul><h3>UNSECURED CREDITOR</h3>\n<p>Strictly, any creditor who does not hold security. More commonly used to refer to any ordinary creditor who has no preferential rights, although, in fact preferential creditors will almost always also be unsecured. In any event, the last in the queue, ahead only of the shareholders.</p>\n<h3>UNDISCHARGED BANKRUPT</h3>\n<p>Someone against whom a bankruptcy order has been made and who has not been discharged from bankruptcy.</p>\n<h3>VAT BAD DEBT RELIEF</h3>\n<p>The relief obtained in respect of the VAT element of an unpaid debt. Previously available only when the debtor became insolvent, relief is now available on any debt unpaid for more than 6 months.</p>\n<h3>VOLUNTARY LIQUIDATION</h3>\n<p>The placing of the company into liquidation by resolution of the members - there are two types of voluntary liquidation member\'s voluntary liquidation; and creditor\'s voluntary liquidation. The first of these does not involve insolvency and comes about merely because the (shareholders) members wish to have the value of their shareholding realised e .g. on the retirement of the principals of the company was incorporated has been fulfilled.</p>\n<h3>WINDING-UP</h3>\n<p>(Or liquidation) - the procedure whereby the assets of a company (or partnership) are gathered in and realised, the liabilities met and the surplus, if any, distributed to members.</p>\n<h3>WINDING-UP ORDER</h3>\n<p>The order made by the court for a company to be placed in compulsory liquidation.</p>\n<h3>WINDING-UP PETITION</h3>\n<p>A winding-up petition is a petition presented to the court seeking an order that a company be put into compulsory liquidation.</p>\n<h3>WRONGFUL TRADING</h3>\n<p>Applied to companies in liquidation where a director allowed the company to continue trading in circumstances where he should have concluded that there was no reasonable prospect that the company would avoid going into solvent liquidation. The directors involved may be made personally liable to make a contribution to the company\'s assets.</p> \n<br/><p><strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions. </p>\n </div>','Content Page Name Insolvency Terms','','publish','closed','closed','','content-page-name-insolvency-terms','','','2017-08-24 12:30:46','2017-08-24 11:30:46','',0,'http://insolvency-service.co.uk/content-page-name-insolvency-terms',0,'page','',0),(233,2,'2017-08-24 11:30:39','2017-08-24 11:30:39','<h1><a href=\"/\"><img class=\"alignnone size-full wp-image-430\" src=\"http://insolvency-service.co.uk/wp-content/uploads/2017/08/agreement.jpg\" alt=\"A CVA agreement is important to pay back your debtors\" width=\"960\" height=\"616\" /></a>CVA\'s - Company Voluntary Arrangements</h1>\r\n<p class=\"summary\">A CVA is <a href=\"http://insolvency-service.co.uk/iva-faq\">similar to an IVA</a>, but for companies rather than individuals.</p>\r\n<p class=\"summary\">It is a legal procedure that enables a company to make a binding agreement with its creditors and shareholders, describing how the company\'s debts and credit liabilities are to be managed, while allowing the company to trade.</p>\r\n\r\n<blockquote><a href=\"http://insolvency-service.co.uk/contact-us\">Get in touch with us today</a>!</blockquote>\r\nFrom the creditors\' point of view, the CVA serves to achieve one of the following:-\r\n<ul>\r\n <li>An immediate full and final settlement of somewhere less than 100p in the pound to settle outstanding debts.</li>\r\n <li>An agreed delay of payment until an certain event happens.</li>\r\n <li>An agreement of payments by installments.</li>\r\n</ul>\r\nA CVA aims to serve the best interests of the creditors and shareholders while allowing the company to continue trading, keeping the work force in employment.\r\n\r\nA CVA can only be proposed by a company if it is insolvent. The CVA requires the approval of 75% (by value of the debt) of the voting creditors and approval of a majority of the shareholders.\r\n\r\nIf approved, the CVA binds all creditors irrespective of how (or whether) they voted and allows the directors to retain control of their company.\r\n<h2>Components of a Successful CVA Proposal</h2>\r\nThe proposal must be reasonable and achievable. It must explain why a CVA is in the best interests of all concerned parties and why the creditors should accept the it. The proposal details all the company\'s assets and liabilities and how it is to deal with secured and preferential creditors and those with a direct connection to the company.\r\n\r\nThere must be a business plan to return the company to profitability, in other words, directors must accept there is a need for change. The proposal must be viable and be likely to be considered favorably by the creditors. Working capital in addition to a review of credit repayments need to be arranged.\r\n\r\nCreditors will vote in favour of a CVA if the alternative is liquidation with little or no return to creditors.\r\n<blockquote>See: <a href=\"https://www.realbusinessrescue.co.uk/company-voluntary-arrangement-cva/advantages\" target=\"_blank\" rel=\"noopener\">Advantages of a CVA</a></blockquote>\r\n<h2><b> Basic Steps of the Procedure:-</b></h2>\r\n<ul>\r\n <li>The CVA can be proposed by directors of the company or a Liquidator/Administrator.</li>\r\n <li>The procedure is administered by a Licensed Insolvency Practitioner.</li>\r\n <li>A study of the company and its position in the marketplace in made.</li>\r\n <li>Directors & secured creditors debate the proposal.</li>\r\n <li>After the proposals are complete, the Nominee needs to prepare a report on the proposals which includes comment on the due diligence they have undertaken to ensure that the CVA proposals are accurate, reasonable and achievable</li>\r\n</ul>\r\n<h2><strong>After the Filing a CVA Proposal:-</strong></h2>\r\n<ul>\r\n <li>Once filed at court, the proposal is sent to the creditors.</li>\r\n <li>A meeting is chaired by the advisor or an IP with all creditors (or representative of creditors) at which the creditors vote on the proposal</li>\r\n <li>Creditors may request modification of the proposal, which will need to be approved by vote.</li>\r\n <li>A shareholders meeting is held on the same day, but after the creditor\'s meeting. This requires a 50% vote in favour of the CVA Proposal.</li>\r\n <li>Once a decision is made, the meetings close and a report is issued by the chairman within 4 days.</li>\r\n <li>Once approved, all creditors are legally bound by the proposal.</li>\r\n <li>After approval, the company makes agreed contributions to the trust account.</li>\r\n</ul>\r\n<h2>CVA - Frequently Asked Questions.</h2>\r\n<strong>What should I do before committing to a CVA?\r\n</strong>Always consult with your accountant before signing anything. Your accountant will be able to offer you the best advice, both for you and the company. Your accountant can advise you on many things when it comes to your company\'s finances, including payroll, tax appeal and commercial mortgages.\r\n\r\nFor a highly specialised accountant in London, we recommend Graham Chartered Accountants - visit their website at <a href=\"https://www.dmostmoney.com/health-care-sector/\" target=\"_blank\" rel=\"noopener\">www.dmostmoney.com</a>.\r\n\r\nAs well as this, they offer payroll services for umbrella companies in the healthcare sector.\r\n\r\n<strong>How much does the company repay its creditors?\r\n</strong>Having reviewed the financial position and the company\'s prospects we would sit down with the directors and calculate what the company can afford to pay into a segregated fund, typically but not always, on a monthly basis.\r\n\r\n<strong>Will the bank, VAT and the Inland Revenue support the CVA?\r\n</strong>In essence a CVA allows a company with historical cash flow problems to repay its liabilities, either in part or in full (including the Inland Revenue and VAT) over a period of time. Once the company\'s liabilities has been restructured any monies generated by the company e.g. book debts can be used as working capital rather than paying its old debts.\r\n\r\nGenerally, they will not be problems with a CVA proposal that adheres to common sense. As the bank is normally secured (as are any finance companies), it remains outside the CVA and with all pre CVA creditors showing in the segregated fund, the pressure is taken off, because you have fresh and unallocated working capital coming in to the company.\r\n\r\n<strong>Will suppliers still supply and support the company?\r\n</strong>It is our experience that nearly most suppliers will continue to support a company in a CVA. <a href=\"http://kentishflats.uk/suppliers.html\" target=\"_blank\" rel=\"noopener\">Find out more</a>.\r\n\r\n<strong>Does anyone interfere with the running of the company during a CVA?\r\n</strong>As long as the company adheres to the terms of the CVA, the company is run under the control of the directors without any outside interference. There are certain reporting requirements to a CVA Supervisor, but there are normally simple and brief.','What is a CVA?','Bad, Credit, Loans, Bad Credit Unsecured Loans','publish','closed','closed','','cva','','','2018-03-07 12:32:18','2018-03-07 12:32:18','',0,'http://insolvency-service.co.uk/cva',0,'page','',0),(234,2,'2017-08-24 11:30:39','2017-08-24 11:30:39','<div id=\"content\">\r\n<h1>Debts Under £15,000 ?</h1>\r\n<p class=\"homepage\">If your circumstances don\'t qualify your for an IVA but you need to reduce your monthly credit repayments - Then a debt Management could be your best option.</p>\r\n\r\n<h2>What is Debt Management ?</h2>\r\nDebt Management is an informal process of negotiation with unsecured creditors to obtain a reduction in the repayment amount and / or a reduction in interest charges.\r\n\r\nNegotiation involves providing proof to the creditor you are unable afford current repayments.\r\n<h2>How Debt Management Benefits You</h2>\r\n<ul>\r\n <li>We negotiate on your behalf reduces your credit repayments to a single, lower monthly amount.</li>\r\n <li>We ask your creditors to freeze or reduce interest charges and agree to a lower monthly payment.</li>\r\n <li>When interest charges are frozen, the money we pay to your credit companies is taken reduces the debt rather than being used to pay interest charges.</li>\r\n <li>You make one monthly payment to us, we forward this to your onto your creditors allowing you to afford your essential bills.</li>\r\n</ul>\r\n<h3>Advantages of Debt Management over a Debt Consolidation Loan.</h3>\r\n<ul>\r\n <li>You are about to reduce our outgoings without go further into debt.</li>\r\n <li>If you take out a secured Loan - you run the risk of have your property repossessed if you fail to keep up repayments.</li>\r\n <li>If you take out a unsecured Loan with a single lender - you are in a weaker position to negotiate should to not be able to make repayment.</li>\r\n <li>You will be accepted onto a debt management programme if a bad credit record prevents you from getting a loan.</li>\r\n</ul>\r\n<h3>Advantages of Debt Management over an IVA</h3>\r\n<ul>\r\n <li>It\'s instant - one call and we can take control of the situation for you.</li>\r\n <li>Unlike an IVA, don\'t need unsecured debts of £15K or to become involved in a legal insolvency procedure.</li>\r\n <li>So long as you\'ve 2 or more creditors and can affords to make payments of £100 per month, you will be accepted onto a debt management programme.</li>\r\n</ul>\r\n<h3>Disadvantages of Debt Management over an IVA or Consolidation Loan</h3>\r\n<ul>\r\n <li>Unlike an IVA, you payback the full amount of the outstanding debt.</li>\r\n <li>Unlike an IVA, you may be on the program for more than 5 years.</li>\r\n <li>Unlike an IVA, your creditors may still decide to take legal action against you.</li>\r\n <li>Unlike a loan, it does not raise money to pay debts like council tax or a mortgage.</li>\r\n</ul>\r\n<strong>Caution</strong>\r\n<span class=\"highlight\">You may find yourself seeking debt advice from a company solely interested in placing you on a debt management program. This is not the case with us as we offer advice on all debt solution alternatives. Only if your circumstances are best suited to debt management will we propose this solution</span>\r\n<h2>Frequently Asked Questions.</h2>\r\n<strong>How much will I have to pay ?\r\n</strong> On our advice, you decide on a single affordable monthly payment.\r\n\r\n<strong>Can you guarantee a reduction in payments ?\r\n</strong>No. It depends on your ability to make your current repayment and is at the discretion of the individual creditor. However, once they are presently with proof you are struggling to make payment and are taking steps to pay your debt as best you can, they generally accept our proposal.\r\n\r\n<strong>How long will the programme last ?\r\n</strong> Until all debts have been paid in full. Due to the reduced payment levels, this will be longer than the terms of original credit agreements and may incur addition interest payments as the term of the credit agreement is extended.\r\n\r\n<strong>How do I know I\'m getting the best advice ?\r\n</strong> If your circumstances are not best served by a Debt Management programme, we will advise accordingly. This may involve suggesting that we refer you to partner companies offering Insolvency advice, IVA\'s or a range of debt consolidation loan.\r\n\r\n<strong>How do I know my debts are being paid ?\r\n</strong>Once up to date balances from your creditors have been received, your monthly payment between them are pre portioned based on how much each is owed. A statement showing how much each creditor will receive will be issued. This remains fixed unless your circumstances change. You will be issued a quarterly statement showing all transactions on your account. In addition to this, you will still receive statements from your creditors.\r\n\r\n<strong>Will this affect my credit rating ?</strong>\r\nWhen entering into a debt management agreement, you will be breaking the terms of your initial repayment agreement with your lender. This may have an adverse effect on your credit record. Due to time required arranging and distributing payments to creditors and delays in making first payment into the programme from clients, contractual payments to creditors may be missed.\r\n\r\n<strong>Who administers the Debt Management programme ? </strong>\r\nDebt management services promoted by Abacus are administered by Harrington Brooks (Accountants) Limited.\r\n\r\n<strong>How is the programme administered ?\r\n</strong> Negotiations are made with your creditors to reduce your monthly payments. They are requested to freeze or reduce their monthly interest charges. A single monthly payment is taken form yourself and paid your creditors on your behalf. This will make managing payments simpler.\r\n\r\n<strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions.\r\n\r\n</div>','Debt Management','','publish','closed','closed','','debt-management','','','2017-08-24 12:51:30','2017-08-24 11:51:30','',0,'http://insolvency-service.co.uk/debt-management',0,'page','',0),(235,2,'2017-08-24 11:30:39','2017-08-24 11:30:39','<h1>Fast Track Voluntary Agreements</h1>\r\n<p class=\"summary\">A <strong>Fast Track Voluntary Arrangements</strong> is for someone already made bankrupt with the purpose that the <strong>FTVA</strong> replaces and annuls the bankruptcy order.</p>\r\n<strong>Fast Track Individual Voluntary Arrangements (FTVA) are for people who:-</strong>\r\n<ul>\r\n <li>Have been made bankrupt by a creditor, but are seeking to, and can afford to, pay their way out of the bankruptcy.</li>\r\n <li>Petitioned for their own bankrupty, but have now realised they have not acted upon the proper advice and this was not the most appropriate course of action for them.</li>\r\n</ul>\r\nAn application for a FTVA will only be accepted if your creditors stand to gain more of the money owned to them over the bankruptcy order.\r\n\r\nThe Official Receiver acts as would the Nominee in a normal IVA. For this they are paid £300+ 15% of the money obtained via the FTVA.\r\n\r\nThe Bankruptee pays the Official Receiver £300 + a £35 registration fee when submitting a \'Proposal<strong> to creditors for a Fast Track Voluntary Arrangements in satisfaction of debts</strong>\' form.\r\n\r\nLike a normal IVA, a repayment offer is made to the creditors in either a full and final payment or over a 5 year period if payments from income are to be made, or a combination of both. Creditors are advised by post, who either accept or reject the proposal. There is no creditors meeting.\r\n\r\nLike a normal IVA, If the proposal is accepted, the Official Receiver becomes the supervisor of the FTVA and informs the court. The court annuls the bankruptcy automatically. The official receiver will advise anyone notified of the bankruptcy order that you are no longer bankrupt.\r\n\r\nDetails of your bankruptcy will be removed from the individual insolvency register. It will be as the bankrupty never existed.','Fast Track Ivas','A guide to Fast Track Voluntary Arrangements','publish','closed','closed','','fast-track-ivas','','','2017-08-24 12:52:29','2017-08-24 11:52:29','',0,'http://insolvency-service.co.uk/fast-track-ivas',0,'page','',0),(237,2,'2017-08-24 11:30:40','2017-08-24 11:30:40','<h1>IVA Case Studies</h1>\r\n<p class=\"summary\">IVA cases, typical of those we have handled.\r\nExamples used are fictitious to protect client privacy.</p>\r\n<p style=\"margin-bottom: 2px;\"><strong>Case Study 1</strong></p>\r\n\r\n<h2>Couple with young children and car on hire purchase.</h2>\r\n<table width=\"100%\" cellspacing=\"15\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\" width=\"45%\"><strong>Initial debt: </strong>£32,000</td>\r\n<td valign=\"top\" width=\"55%\"><strong>Was paying: </strong>£600/month</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\"><strong>Debt written off:\r\n</strong> £13,400</td>\r\n<td valign=\"top\"><strong>Now paying: </strong>£250/month</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\"><strong>% written off:\r\n</strong> 42%</td>\r\n<td></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<div style=\"margin-left: 16px; margin-bottom: 50px;\">\r\n\r\nMr and Mrs Jones have 3 children under 10, and a total debt of <strong>£32,000 </strong>on loans and credit cards. Their car is on hire purchase, which is essential for Mr Jones to travel to work.\r\n\r\nThey built up debt over several years of over-spending, thinking Mr Jones\' salary would eventually rise, enabling them to catch up. This didn\'t happen and when his overtime ceased, they were not able met their creditor\'s demands.\r\n\r\nThey currently pay out £600 per month leaving them with a ever growing overdraft. Their outgoings leave them with no money at the end of each month.\r\n\r\nThey agreed to repayments of £250 per month for 2 years and £350 in years 3, 4 & 5 as the car hire purchase ends in 2 years. They get to keep the car and have a new Bank account and no overdraft. In total they will pay back <strong>£18,600</strong> over 60 months in the IVA\'s.\r\n\r\n</div>\r\n<p style=\"margin-bottom: 2px;\"><strong>Case Study 2</strong></p>\r\n\r\n<h2>Single person living with parents with debts over £50,000</h2>\r\n<table width=\"100%\" cellspacing=\"15\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\" width=\"45%\"><strong>Initial debt: </strong>£52,000</td>\r\n<td valign=\"top\" width=\"55%\"><strong>Was paying: </strong>£700/month</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\"><strong>Debt written off:\r\n</strong> £23,600</td>\r\n<td valign=\"top\"><strong>Now paying: </strong>£290/month</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\"><strong>% written off:\r\n</strong> 45%</td>\r\n<td></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<div style=\"margin-left: 16px; margin-bottom: 50px;\">\r\n\r\nMr Reeves is single, rents from a private landlord, and has no dependants. He earns about £23,000 a year. At 27 years of age, he has already amassed debts of around <strong>£52,000</strong> over 8 years.\r\n\r\nMr Reeves admits his debts are solely the result of his own irresponsibility and indulgences. Everywhere he was offered credit, he took it, mostly making minimum payments. He was now finding these payments difficult.\r\n\r\nMr Reeves agreed to down grade his car to raise £11,000 which also halved his insurance premiums, leaving £41,000 of debt. His creditors accepted an offer of £290 for 60 months, paying back in total <strong>£17,400</strong>.\r\n\r\n</div>\r\n<p style=\"margin-bottom: 2px;\"><strong>Case Study 3</strong></p>\r\n\r\n<h2>Divorce makes credit repayments impossible.</h2>\r\n<table width=\"100%\" cellspacing=\"15\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\" width=\"45%\"><strong>Initial debt: </strong>£39,000</td>\r\n<td valign=\"top\" width=\"55%\"><strong>Was paying: </strong>£615/month</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\"><strong>Debt written off:\r\n</strong> £25,800</td>\r\n<td valign=\"top\"><strong>Now paying: </strong>£220/month</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\"><strong>% written off:\r\n</strong> 66%</td>\r\n<td></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<div style=\"margin-left: 16px; margin-bottom: 50px;\">\r\n\r\nHaving rented with her husband and child whilst married, Ms X already had large, but affordable credit repayments before her divorce. As the household income dropped to a single wage plus benefits and maintenance payments, she could not longer afford what her creditors were asking for.\r\n\r\nFailing to take the appropite action, Mr X tried to borrow he way out of debt, until her sole and joint debts with her ex husband totaled <strong>£39,000.</strong>\r\n\r\nShe entered into a linked IVA with her ex-husband and agreed to payback <strong>£220 </strong>per month for 60 months totaling <strong>£13,200</strong> over 5 years. Her situation will be reviewed in 12 months time when Ms X hopes to return to full time work as her child reaches school age.','Iva Case Studies','Bad, Credit, Loans, Bad Credit Unsecured Loans','publish','closed','closed','','iva-case-studies','','','2017-08-24 12:53:54','2017-08-24 11:53:54','',0,'http://insolvency-service.co.uk/iva-case-studies',0,'page','',0),(238,2,'2017-08-24 11:30:40','2017-08-24 11:30:40','\r\n<h1>IVA Knowledge Base</h1>\r\n<p class=\"summary\">Common questions answered about IVAs.</p>\r\nIf you have a query not covered here, please call us or <a href=\"contact_action_question \">submit a question</a> for confidential advice about your own set of circumstances.\r\n\r\nThe database currently contains\r\n51 questions.\r\n\r\nMore additions are being made on a daily basis.\r\n\r\n<form action=\"iva_faq \" method=\"post\"><input class=\"button\" type=\"submit\" value=\"search\" /><input name=\"keyword\" size=\"30\" type=\"text\" />\r\n\r\nFinds matches in Questions OR Answers.\r\n\r\n</form><strong>1) Which debts can be included in an IVA ?</strong>\r\nNormally, any unsecured debts can be included within an IVA. This inlcudes any overdrafts with your current bank and credit card balances.\r\n\r\nIn short, any service that your are no longer using, for which money is outstanding, has the potential for inclusion in an IVA proposal. For example, an outstanding bill for a disconnected mobile phone.\r\n\r\nPersonal debts to the Inland Revenue and VAT can also be included.\r\n\r\n<strong>2) Which debts cannot be included in an IVA ?</strong>\r\nSecured loans and items on Hire Purchase can\'t be included as part of an IVA.\r\n\r\nThe following debts cannot be included, but \"provisions\" can be made within the IVA propsal. By provisons we mean, the fact they are outstanding and must be paid impacts your ability to repay your creditors.\r\n<ul>\r\n <li>Council Tax Arrears</li>\r\n <li>Any fine or penalties imposed by a court</li>\r\n <li>Any liabilities arising under an order made in a family or domestic court action such as CSA claims for child support.</li>\r\n <li>Any liabilities arising under a confiscation order made under S.1 of the Drug Trafficking Act 1986 0r S.71 of the Criminal Justice Act 1988.</li>\r\n <li>Most educational loans, taken out after June 2004, as they fall outside of the Insolvency Act 1986.</li>\r\n</ul>\r\n<strong>3) Can I do an IVA without affecting my Property/House ?</strong>\r\nIn some circumstances your home may be excluded from the arrangement. However, if you have equity in your house, this will be taken into account when making an offer to creditors. You may have to release some of the equity in your property at some stage during the IVA.\r\n\r\nYour creditors are only going to approve an IVA if they consider they will get more money back than via bankruptcy. If the equity in your property is more than your unsecured debts, then they could get it all back by bankrupting you, and forcing you to sell your home.\r\n\r\nHow your homeowner status effects yout IVA propsal is complex and depends on many factors such as\r\n<ol>\r\n <li>Your current mortgage repayments.</li>\r\n <li>How much of the property is yours in the case of joint ownership.</li>\r\n <li>The amount of equity in the property.</li>\r\n</ol>\r\nWe get more questions above homeowership and IVA than anything else, so please call us for free advice of how this may impact your decision to do an IVA.\r\n\r\n<strong>4) How much equity will I have to release from my property?</strong>\r\nThere is no exact answer to this as it depends on personal circumstances. As a rule of thumb, equity is released such that increased mortgage payments once the IVA is completed are no higher than the IVA payments were.\r\n\r\n<strong>5) I live in rented property - Will my landlord find out about my IVA ?</strong>\r\nYour landlord need not be aware of the IVA.\r\n\r\n<strong>6) Are you regulated ?</strong>\r\nOur licensed Insolvency Practitioners are regulated by either:-\r\n<ul>\r\n <li>Association of Chartered Certified Accountants (ACCA)</li>\r\n <li>Institution of Chartered Accountants of England and Wales (ICAEW)</li>\r\n <li>Department of Trade and Industry (DTI)</li>\r\n <li>Insolvency Practitioners Association (IPA)</li>\r\n</ul>\r\nLicensed insolvency practitioners are monitored regularly by their professional bodies. This ensures they are complying with the law and\r\nensures high standards are maintained.\r\n\r\n<strong>7) How are debts with joint liability treated with respect to an IVA, when only one of the debtors is applying for the IVA ?</strong>\r\nThere is no simple answer to this. It is at the discretion of the creditors and dependent upon individual circumstances. The creditor involved will be able to pursue the other party.\r\n\r\n<strong>8) Can I obtain an IVA if a bankruptcy order has been made against me ?</strong>\r\nYes, if you have not been discharged from bankrptcy. It is possible to annul a bankruptcy and enter into an IVA if it is more appropriate.\r\n\r\n<strong>9) Can one individual creditor refuse to accept an IVA ?</strong>\r\nOne creditor can stop the IVA if they are owed more than 25% of the debts. If more that 75% of your creditors by value approve the IVA, then any dissenting creditors are bound by the arrangement.\r\n\r\n<strong>10) Will the IVA stop my creditors from taking further action against me ?</strong>\r\nOnce the IVA is in place, you are protected from further recovery action by the creditors scheduled in the IVA.\r\n','Iva Faq','','publish','closed','closed','','iva-faq','','','2017-08-24 12:54:05','2017-08-24 11:54:05','',0,'http://insolvency-service.co.uk/iva-faq',0,'page','',0),(239,2,'2017-08-24 11:30:40','2017-08-24 11:30:40','\r\n<h1>IVA Procedure</h1>\r\n<p class=\"summary\">When you make initial contact with us - we\'ll need to ask you about your debts, personal finances and about your incomings and outgoings. Only if we consider an IVA is likey to be accepted in your cirumstances, would we advise a formal proposal.</p>\r\n\r\n<ol>\r\n <li>Once we\'ve accpeted your case, you will need to complete and return a questionnaire which give one of our teams of Insolvency Practitioners the information required to prepare the IVA Proposal.</li>\r\n <li>You will need to sign a formal letter of instruction, and a letter authorising us to contact your creditors. This will hopefully ensure that the creditors stop contacting you and will contact your IP instead. This will naturally reduce any stress and pressure from you.</li>\r\n <li>A draft Proposal will be prepared based on the information you have been provided, and will be sent to you for approval. You may be asked to provide further details in respect of any information that may still be outstanding or missing.</li>\r\n <li>The draft Proposal is returned to the IP by you with any alterations and missing information required. The IVA Proposal will then be updated and sent out to you for final approval.</li>\r\n <li>You will need to sign the Proposal and return it to the IP upon which he will then formally agree to become your Nominee.</li>\r\n <li>The IP is then required to make out a report and to comment on your offer to creditors and will then lodge both his report and your IVA Proposal in court. This is a mere formality, and you will not be required to attend court unless there are exceptional circumstances. If there are such circumstances, you will be advised of this at the outset of your case.</li>\r\n <li>A Meeting of Creditors will be convened and your IVA Proposal together with the Nominee\'s Report will be sent to all creditors to consider. You do not have to attend the Meeting of Creditors.</li>\r\n <li>On the date of the Meeting of Creditors, the Creditors vote on whether they are willing or unwilling to accept your offer and if 75% by value of those Creditors voting, agree to accept your offer, then the IVA will become approved. The Arrangement will be binding on all Creditors at that stage, whether they voted or not.</li>\r\n <li>If necessary the Meeting of Creditors can be adjourned for up to 14 days to consider any revised offers, if applicable.</li>\r\n</ol>\r\n<h2>What is the Time Frame of Setting Up an IVA?</h2>\r\nThe time stated in the table is the maximum number of days that is usually taken by our insolvency practitioners to process the paperwork and the timescale\'s dictated by the Court and Insolvency Act 1986.\r\n\r\nNo allowance has been made for the length of time that it takes a client to return paperwork or file paperwork at Court, as this varies significantly from client to client.\r\n\r\n','Iva Time Frame','','publish','closed','closed','','iva-time-frame','','','2017-08-24 12:56:42','2017-08-24 11:56:42','',0,'http://insolvency-service.co.uk/iva-time-frame',0,'page','',0),(240,2,'2017-08-24 11:30:40','2017-08-24 11:30:40','<div id=\"content\">\r\n<h1>IVA Knowledge Base</h1>\r\n<p class=\"orange\">Common questions answered about IVAs.</p>\r\n<span class=\"orange\">If you have a query not covered here, please call us or <a href=\"contact_action_question \">submit a question</a> for confidential advice about your own set of circumstances.</span>\r\n\r\nThe database currently contains\r\n47 questions.\r\n\r\nMore additions are being made on a daily basis.\r\n<h3 style=\"margin: 0px;\">1) Which debts can be included in an IVA ?</h3>\r\n<p style=\"margin: 0px;\">Normally, any unsecured debts can be included within an IVA. This inlcudes any overdrafts with your current bank and credit card balances.</p>\r\nIn short, any service that your are no longer using, for which money is outstanding, has the potential for inclusion in an IVA proposal. For example, an outstanding bill for a disconnected mobile phone.\r\n\r\nPersonal debts to the Inland Revenue and VAT can also be included.\r\n<h3 style=\"margin: 0px;\">2) Which debts cannot be included in an IVA ?</h3>\r\n<p style=\"margin: 0px;\">Secured loans and items on Hire Purchase can\'t be included as part of an IVA.</p>\r\nThe following debts cannot be included, but \"provisions\" can be made within the IVA propsal. By provisons we mean, the fact they are outstanding and must be paid impacts your ability to repay your creditors.\r\n<ul>\r\n <li>Council Tax Arrears</li>\r\n <li>Any fine or penalties imposed by a court</li>\r\n <li>Any liabilities arising under an order made in a family or domestic court action such as CSA claims for child support.</li>\r\n <li>Any liabilities arising under a confiscation order made under S.1 of the Drug Trafficking Act 1986 0r S.71 of the Criminal Justice Act 1988.</li>\r\n <li>Most educational loans, taken out after June 2004, as they fall outside of the Insolvency Act 1986.</li>\r\n</ul>\r\n<h3 style=\"margin: 0px;\">3) I live in rented property - Will my landlord find out about my IVA ?</h3>\r\n<p style=\"margin: 0px;\">Your landlord need not be aware of the IVA.</p>\r\n\r\n<h3 style=\"margin: 0px;\">4) Will I have to pay fees ?</h3>\r\n<p style=\"margin: 0px;\">Although fees are charged for both setting up and supervising the IVA, they are taken out of monthly payments you have agreed to pay into the IVA. In other words your creditors bear the cost of an IVA. They are happy to do this as you are making a commitment to pay of your debts as best you can.</p>\r\n\r\n<h3 style=\"margin: 0px;\">5) Are you regulated ?</h3>\r\n<p style=\"margin: 0px;\">Our licensed Insolvency Practitioners are regulated by either:-</p>\r\n\r\n<ul>\r\n <li>Association of Chartered Certified Accountants (ACCA)</li>\r\n <li>Institution of Chartered Accountants of England and Wales (ICAEW)</li>\r\n <li>Department of Trade and Industry (DTI)</li>\r\n <li>Insolvency Practitioners Association (IPA)</li>\r\n</ul>\r\nLicensed insolvency practitioners are monitored regularly by their professional bodies. This ensures they are complying with the law and\r\nensures high standards are maintained.\r\n<h3 style=\"margin: 0px;\">6) Can I do an IVA without affecting my Property/House ?</h3>\r\n<p style=\"margin: 0px;\">In some circumstances your home may be excluded from the arrangement. However, should you have equity in your house, this will be taken into account when making an offer to creditors. You may have to release some of the equity in your property at some stage during the IVA.</p>\r\nYour creditors are only going to approve an IVA if they consider they will get more money back than via bankruptcy. If the equity in your property is more than your unsecured debts, then they could get it all back by bankrupting you, and forcing you to sell your home.\r\n<h3 style=\"margin: 0px;\">7) Can an IVA be settled early ?</h3>\r\n<p style=\"margin: 0px;\">Many IVAs end early with the introduction of a lump sum of money. We can arrange a variation meeting to offer a sum of money in full and final settlement of your obligations under the IVA. The new funds are typically raised by remortgage, inheritance, cashing in of policies etc. Creditors do support early settlements as they generally prefer to receive their money early than wait for payments over a five year period.</p>\r\n\r\n<h3 style=\"margin: 0px;\">8) Can I obtain an IVA if a bankruptcy order has been made against me ?</h3>\r\n<p style=\"margin: 0px;\">Yes, if you have not been discharged from bankrptcy. It is possible to annul a bankruptcy and enter into an IVA if it is more appropriate.</p>\r\n\r\n<h3 style=\"margin: 0px;\">9) Can one individual creditor refuse to accept an IVA ?</h3>\r\n<p style=\"margin: 0px;\">One creditor can stop the IVA if they are owed more than 25% of the debts. If more that 75% of your creditors by value approve the IVA, then any dissenting creditors are bound by the arrangement.</p>\r\n\r\n<h3 style=\"margin: 0px;\">10) Will the IVA stop my creditors from taking further action against me ?</h3>\r\n<p style=\"margin: 0px;\">Once the IVA is in place, you are protected from further recovery action by the creditors scheduled in the IVA.</p>\r\n\r\n\r\n<hr />\r\n\r\n<strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions.\r\n\r\n</div>','Iva Faq','An Explaination of what an IVA is and the step involved in setting up an Individual Voluntary Arrangement','publish','closed','closed','','iva-faq-2','','','2017-08-24 12:55:05','2017-08-24 11:55:05','',0,'http://insolvency-service.co.uk/iva-faq-2',0,'page','',0),(241,2,'2017-08-24 11:30:40','2017-08-24 11:30:40','<div id=\"content\">\r\n<h1>IVA Knowledge Base</h1>\r\n<p class=\"orange\">Common questions answered about IVAs.</p>\r\n<span class=\"orange\">If you have a query not covered here, please call us or <a href=\"contact_action_question \">submit a question</a> for confidential advice about your own set of circumstances.</span>\r\n\r\nThe database currently contains\r\n47 questions.\r\n\r\nMore additions are being made on a daily basis.\r\n\r\nFinds matches in Questions OR Answers.\r\n<p class=\"summary\"></p>\r\n\r\n<h3 style=\"margin: 0px;\">11) Can I cancel the IVA once it is set up ?</h3>\r\n<p style=\"margin: 0px;\">An IVA is a legal process and, once it is set up, cannot be cancelled. However it will fail if you do not comply with the terms and your supervisor may take legal proceedings against you.</p>\r\n\r\n<h3 style=\"margin: 0px;\">12) What happens if the IVA is not approved ?</h3>\r\n<p style=\"margin: 0px;\">You will have to come to an informal arrangement with your creditors (or use the services of a debt management company) to repay your debts or declare yourself bankrupt. It is unlikely that we would make an IVA proposal without high confidence of acceptance.</p>\r\n\r\n<h3 style=\"margin: 0px;\">13) How are debts with joint liability treated with respect to an IVA, when only one of the debtors is applying for the IVA ?</h3>\r\n<p style=\"margin: 0px;\">There is no simple answer to this. It is at the discretion of the creditors and dependent upon individual circumstances. The creditor involved will be able to pursue the other party.</p>\r\n\r\n<h3 style=\"margin: 0px;\">14) I understand that the IVA company take their fees from monies paid into the IVA. But who pays the fees for of the setting up the IVA in the case of its rejection ?</h3>\r\n<p style=\"margin: 0px;\">If we proposed an IVA which is rejected, then we bear the cost. You are not charged a penny. We have a very high acceptance rate (98%) and would not propose an IVA when we thought it would not be approved. However, if the IVA fails because you pull out, you will be charged a fee.</p>\r\n\r\n<h3 style=\"margin: 0px;\">15) How much will I have to pay into the IVA ?</h3>\r\n<p style=\"margin: 0px;\">Monthly payments depend upon your disposable income rather than size of debt. This is what you have left with after reasonable monthly living expenses (excluding your debts) are taken from your monthly income. This figure will depend on your personal circumstances and will be agreed between you and your advisor. Normally the monthly payment will not be below £200</p>\r\n\r\n<h3 style=\"margin: 0px;\">16) Can I keep using my credit cards or take out a new loan during an IVA ?</h3>\r\n<p style=\"margin: 0px;\">No, During the IVA, you will not be able to use store or credit cards. Also, you will normally not be allowed to borrow more money. It may however be possible to change an existing mortgage while you are in an IVA. This must under the supervision of your insolvency practitioner (us).</p>\r\n\r\n<h3 style=\"margin: 0px;\">17) If I have positive equity in my property, how does this affect my IVA application ?</h3>\r\n<p style=\"margin: 0px;\">If you have any equity in your property (or any other significant valuable assets), you may be required to release some or all of this as part of the IVA agreement.</p>\r\n\r\n<h3 style=\"margin: 0px;\">18) What is the minimum number of Creditors required for an IVA ?</h3>\r\n<p style=\"margin: 0px;\">Usually 3 or more - but your advisor will talk you through it.</p>\r\n\r\n<h3 style=\"margin: 0px;\">19) What if I unexpectedly come into some money during the IVA ?</h3>\r\n<p style=\"margin: 0px;\">This is usually called a windfall, for example, winning the lottery, an inheritance or large bonus payment. Your IVA will usually include a \'windfall\' clause that will require you to pay the money into your arrangement. In the event of bonus payments, or regular overtime, depending on their value, typically you will be required to share the benefit on a fifty-fifty basis with your creditors.</p>\r\n\r\n<h3 style=\"margin: 0px;\">20) In terms of % amount of total debt. How many creditors need to attend the creditors meeting ?</h3>\r\n<p style=\"margin: 0px;\">Usually creditors do not attend the meeting, they vote by proxy, (meaning they register their vote without being there). Only one proxy is required.</p>\r\n<p class=\"summary\"></p>\r\n\r\n\r\n<hr />\r\n\r\n<strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions.\r\n\r\n</div>','Iva Faq Startrow 11 Newendrow 20 Totalrows 47','An Explaination of what an IVA is and the step involved in setting up an Individual Voluntary Arrangement','publish','closed','closed','','iva-faq-startrow-11-newendrow-20-totalrows-47','','','2017-08-24 12:54:56','2017-08-24 11:54:56','',0,'http://insolvency-service.co.uk/iva-faq-startrow-11-newendrow-20-totalrows-47',0,'page','',0),(242,2,'2017-08-24 11:30:40','2017-08-24 11:30:40','<div id=\"content\">\r\n<h1>IVA Knowledge Base</h1>\r\n<p class=\"orange\">Common questions answered about IVAs.</p>\r\n<span class=\"orange\">If you have a query not covered here, please call us or <a href=\"contact_action_question \">submit a question</a> for confidential advice about your own set of circumstances.</span>\r\n\r\nThe database currently contains\r\n47 questions.\r\n\r\nMore additions are being made on a daily basis.\r\n\r\nFinds matches in Questions OR Answers.\r\n<h3 style=\"margin: 0px;\">21) I\'m considering an IVA, but my creditors are taking me to court. Can this be stopped ?</h3>\r\n<p style=\"margin: 0px;\">When the IVA proposal is prepared, the court is notified. This is usually sufficient to stop proceedings. If not, your advisor will write to the court and the creditors concerned on your behalf. Further steps can be taken if necessary.</p>\r\n\r\n<h3 style=\"margin: 0px;\">22) Will an IVA affect my ability to obtain further credit ?</h3>\r\n<p style=\"margin: 0px;\">Until an IVA is completed it is a fundamental requirement that you do not incur further credit. Once complete there is no reason why an individual cannot apply successfully for credit.</p>\r\n\r\n<h3 style=\"margin: 0px;\">23) Who can I speak to if I wish to complain ?</h3>\r\n<p style=\"margin: 0px;\">We take complaints and customer service issues very seriously; should you feel the need to complain you can do so at our registered address. If you are not satisfied, you may take your complaint to any of the following:</p>\r\n\r\n<h3 style=\"margin: 0px;\">24) Does the Insolvency Practitioner (i.e. ourselves) represent the Creditor or the Debtor ?</h3>\r\n<p style=\"margin: 0px;\">Neither. The role of the IP is to act as a go between to ensure there is a balance between what Creditors can reasonably demand and what a Debtor can reasonably be expected to pay.</p>\r\n\r\n<h3 style=\"margin: 0px;\">25) Will I be able to hold public office Eg. Company Director ?</h3>\r\n<p style=\"margin: 0px;\">Unlike Bankruptcy, an IVA does not restrict your ability to hold positions such as a Justice of the Peace and Trustee of a School. However, there are certain restrictions in the case of a Company Director.</p>\r\n\r\n<h3 style=\"margin: 0px;\">26) Can I arrange an IVA directly with my creditors ?</h3>\r\n<p style=\"margin: 0px;\">No. The arrangement takes the form of a contract that is legally binding. One of the key components of this is that your proposal of repayment is handled by a Nominee and the ongoing maintenance of the payment schedule is the responsibility of a Supervisor. In most cases the IP (Ourselves) will fulfil both of these roles.</p>\r\n\r\n<h3 style=\"margin: 0px;\">27) Will I have to close my bank account ?</h3>\r\n<p style=\"margin: 0px;\">It is often good practice to arrange new banking facilities in order to establish a fresh start before embarking on an IVA. This is essential if your current banker holds a proportion of the debt that is to be placed in the IVA. Your advisor will let you have more information in respect of this.</p>\r\n\r\n<h3 style=\"margin: 0px;\">28) Is it really true an IVA will guarantee to write off up to 75% of my debts ?</h3>\r\n<p style=\"margin: 0px;\">Yes, provided you keep to the terms of the arrangement, and all your debts are included in the proposal. Unlike debt management schemes, an IVA is a once and for all settlement of your debts (excluding the mortgages and secured loans).\r\nIt is essential that you include all your debt in the proposal. Any excluded creditors may challenge the validity of the arrangement.</p>\r\nOnce the arrangement is successfully finished, your debts are written off permanently.\r\n<h3 style=\"margin: 0px;\">29) My partner/spouse and I have joint debts. Can they be considered together in the same IVA ?</h3>\r\n<p style=\"margin: 0px;\">Both of you will have to propose separate but linked IVA proposals. It also depends on how much debt is joint and how much you own independently of each other.\r\nAn advisor can discuss this with you.</p>\r\n\r\n<h3 style=\"margin: 0px;\">30) How will an IVA affect my credit rating ?</h3>\r\n<p style=\"margin: 0px;\">An IVA will be on your credit record for six years, the same length of time as any other adverse credit information.</p>\r\n\r\n\r\n<hr />\r\n\r\n<strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions.\r\n\r\n</div>','Iva Faq Startrow 21 Newendrow 30 Totalrows 47','An Explaination of what an IVA is and the step involved in setting up an Individual Voluntary Arrangement','publish','closed','closed','','iva-faq-startrow-21-newendrow-30-totalrows-47','','','2017-08-24 12:55:33','2017-08-24 11:55:33','',0,'http://insolvency-service.co.uk/iva-faq-startrow-21-newendrow-30-totalrows-47',0,'page','',0),(243,2,'2017-08-24 11:30:40','2017-08-24 11:30:40','<div id=\"content\">\r\n<h1>IVA Knowledge Base</h1>\r\n<p class=\"orange\">Common questions answered about IVAs.</p>\r\n<span class=\"orange\">If you have a query not covered here, please call us or <a href=\"contact_action_question \">submit a question</a> for confidential advice about your own set of circumstances.</span>\r\n\r\nThe database currently contains\r\n47 questions.\r\n\r\nMore additions are being made on a daily basis.\r\n\r\nFinds matches in Questions OR Answers.\r\n<h3 style=\"margin: 0px;\">31) Can my arrangement be brought to an early conclusion ?</h3>\r\n<p style=\"margin: 0px;\">Yes, a meeting of your creditors can be convened to offer a sum of money in full and final settlement of your obligations under the IVA. The sum of money could be raised by:</p>\r\n\r\n<ol>\r\n <li>Re-mortgaging your property.</li>\r\n <li>Funds from a relative or other third party.</li>\r\n <li>Cashing in life insurance policies (Subject to you obtaining expert investment advice).</li>\r\n</ol>\r\nCreditors are likely to agree to accept a lump sum to bring the arrangement to an early end if you can show that you are paying creditors as much as you can afford.\r\n<h3 style=\"margin: 0px;\">32) What sorts of people enter into IVAs ?</h3>\r\n<p style=\"margin: 0px;\">Simply people who cannot pay their debts. If you cannot pay your debts as they fall due, you are insolvent and the law gives you two alternatives - bankruptcy or an IVA. IVAs are entered into by a wide range of people with a common problem they cannot pay their debts.</p>\r\n\r\n<h3 style=\"margin: 0px;\">33) What happens at the end of the agreement ?</h3>\r\n<p style=\"margin: 0px;\">As long as the terms of the proposals have been fully carried out, your creditors will have no further claim against you and the balance of any unpaid debts is written off. You will be provided with documentation to confirm that you have satisfactorily completed the IVA and a report will be sent to your creditors.</p>\r\n\r\n<h3 style=\"margin: 0px;\">34) Can I stay in business ?</h3>\r\n<p style=\"margin: 0px;\">Yes, you can. IVAs have helped thousands of sole traders remain in business when faced with severe financial problems.</p>\r\n\r\n<h3 style=\"margin: 0px;\">35) Can I enter into an IVA if I have already received a Statutory Demand ?</h3>\r\n<p style=\"margin: 0px;\">Yes, although we recommend that you contact an Insolvency Practitioner as soon as possible.</p>\r\n\r\n<h3 style=\"margin: 0px;\">36) Do I have to meet the Insolvency Practitioner ?</h3>\r\n<p style=\"margin: 0px;\">You dont have to, but we appreciate that entering into an IVA is a big step and that many of our clients will want to meet the people who are dealing with their affairs. That is why we will always offer the opportunity for you to meet one of our representatives.</p>\r\n\r\n<h3 style=\"margin: 0px;\">37) What if I fail to keep up the agreement ?</h3>\r\n<p style=\"margin: 0px;\">If you fall into difficulty and are unable to make the payments to your IVA, it is possible to agree a payment holiday with your creditors via ourselves. The months which you miss will normally be added to the end of the agreement.\r\nIf during the period of your IVA your circumstances change for the worse, perhaps you change your job and earn less money, you may find that you cannot maintain the agreed payments. In these circumstances, the IP can ask your creditors if they will agree to vary the terms of your proposals. If up until that time, you have maintained your payments without problem, your creditors may be mindful to accept such changes.</p>\r\nNote, if you are unable to re-start your payments at all, it is likely that the IVA will fail. Your creditors will then be able to take other action against you and alternative arrangements must be made.\r\n<h3 style=\"margin: 0px;\">38) What are the Disadvantages of an IVA?</h3>\r\n<ul>\r\n <li><b>Possible release of home equity.</b>\r\nIf you have equity in your property, or any anything else of significant value. You may be required to release some or all of this as part of the IVA agreement. Please call us if your require more clarity on this.</li>\r\n <li><b>Minimum debt and monthly repayments exclude many people.</b>\r\nNormally can only do an IVA if your unsecured debt is more than £15,000 and you can afford a monthly payment of at least £200.</li>\r\n <li><b>No unsecured borrowing. </b>\r\nWhile you are in an IVA, you will not be able to use store or credit cards. You will normally not be allowed to borrow any more money until you have successfully completed your arrangement. It may however be possible to change an existing mortgage or take a new one while you are in an IVA.</li>\r\n</ul>\r\n<h3 style=\"margin: 0px;\">39) What if my circumstances change and i can afford to make increased payments during the IVA?</h3>\r\n<p style=\"margin: 0px;\">During your IVA, regular reviews of your circumstances and ability to maintain your monthly payments will be undertaken by you advisor. This is normally once a year. If it is agreed that your circumstances have not changed, then you will continue to make your monthly IVA payment as normal. If however your circumstances have changed for the better, you may be asked to increase your monthly payments accordingly.</p>\r\n\r\n<h3 style=\"margin: 0px;\">40) What if my circumstances change and i can\'t afford agreed payments?</h3>\r\n<p style=\"margin: 0px;\">If you fall into difficulty and are unable to make the payments to you IVA (e.g. you loose your job or have a bad month), it is possible to agree a payment holiday with your advisor. Missed payments are normally be added to the end of the agreement.</p>\r\nDuring the IVA your circumstances may change for the worse (perhaps you change your job and earn less money), you may find that you cannot maintain the agreed payments. In these circumstances, your advisor can ask your creditors if they will agree to vary the terms of your proposals. If up until that time, you have maintained your payments without problem, your creditors are likely to accept such changes.\r\n\r\nNote, if you are unable to re-start your payments at all, it is likely that the IVA will fail. Your creditors will then be able to take other action against you and alternative arrangements must be made.\r\n\r\n<hr />\r\n\r\n<strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions.\r\n\r\n</div>','Iva Faq Startrow 31 Newendrow 40 Totalrows 47','An Explaination of what an IVA is and the step involved in setting up an Individual Voluntary Arrangement','publish','closed','closed','','iva-faq-startrow-31-newendrow-40-totalrows-47','','','2017-08-24 12:56:21','2017-08-24 11:56:21','',0,'http://insolvency-service.co.uk/iva-faq-startrow-31-newendrow-40-totalrows-47',0,'page','',0),(244,2,'2017-08-24 11:30:41','2017-08-24 11:30:41','<div id=\"content\">\r\n<h1>IVA Knowledge Base</h1>\r\n<h3 style=\"margin: 0px;\">41) Do I have to tell my Partner or Spouse?</h3>\r\n<p style=\"margin: 0px;\">If none of the debts are jointly in your partner\'s name, then you don\'t need to tell them.\r\nHowever, it is likely they will find out in the course of time, so we advise openness from the offset.</p>\r\n\r\n<h3 style=\"margin: 0px;\">42) Why would a creditor allow my to write off a proportion of the money I owe and accept an IVA proposal?</h3>\r\n<p style=\"margin: 0px;\">The IVA must offer a higher return to creditors than could otherwise be expected if you were to be made bankrupt. Where contributions from income are being made, IVAs are generally expected to be for a period longer than that in bankruptcy, i.e 5 years as opposed to 3 years. The 5-year period is often required by creditors in return for allowing the Debtor to avoid the consequences of bankruptcy.</p>\r\n\r\n<h3 style=\"margin: 0px;\">43) I have just over £15,000 of debt - Can you help me write off 75%?</h3>\r\n<p style=\"margin: 0px;\">No. Normally, you must pay at least £200 for 60 months when on an IVA, meaning that you must be able to pay back £12,000 over 5 years. To be able to write off 75%, you would had to have had at least £48,000 of debt and be able to demonstate to your creditors you can only afford £200 per month towards your IVA. Much of the the advertising around IVA is very misleading in this respect.</p>\r\n\r\n<h3 style=\"margin: 0px;\">44) Are the terms of an IVA always fixed for the duration of the IVA ?</h3>\r\n<p style=\"margin: 0px;\">No. Anyone on an IVA will be subject to an annual review, contacted by IVA supervisor. If the Debtors circumstances change while the IVA is in place, then the terms of the IVA may to altered to take these changes into account. For example, an increase in income may result in IVA payments having to increase.</p>\r\n\r\n<h3 style=\"margin: 0px;\">45) Can anyone with debts over £15,000 apply for an IVA?</h3>\r\n<p style=\"margin: 0px;\">No, you must be technically insolvent.\r\nThere are two main tests of insolvency.</p>\r\n\r\n<ul>\r\n <li>Your liabilities (debts) are greater than your assets.</li>\r\n <li>You are unable to pay your debts as they fall due.</li>\r\n</ul>\r\nIf you are concerned about either of these situations you should seek advice on your financial position, as a solution is often achievable if the problems are dealt with quickly.\r\n<h3 style=\"margin: 0px;\">46) How will the monthly IVA payments be made?</h3>\r\n<p style=\"margin: 0px;\">A standing order will be set up from your bank account to an account held by us that will be used to collect and monitor your IVA payments.</p>\r\n\r\n<h3 style=\"margin: 0px;\">47) Why do some companies seem to offer IVAs for debts of £12,000 or even less?</h3>\r\nThere are 2 reasons for this:-\r\n<ul>\r\n <li>It\'s just pure marketing. When looking for debt help, many people underestimate their debt by as much as 30%. So people thinking they owe just £12,000 often owe much more an do qualify for an IVA.</li>\r\n <li>Most, if not all IVA companies have an agreement with a debt management company. If they get the details of a debtor not qualifying for an IVA, but suitable for debt management, then it make good business sense to either sell the lead or swap it for potential IVA cases.</li>\r\n</ul>\r\n\r\n<hr />\r\n\r\n<strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions.\r\n\r\n</div>','IVA Knowledge Base 2017','An Explaination of what an IVA is and the step involved in setting up an Individual Voluntary Arrangement','publish','closed','closed','','iva-knowledge-base','','','2017-08-24 12:56:30','2017-08-24 11:56:30','',0,'http://insolvency-service.co.uk/iva-faq-startrow-41-newendrow-47-totalrows-47',0,'page','',0),(245,2,'2017-08-24 11:30:41','2017-08-24 11:30:41','\r\n \r\n <h1>Privacy Policy</h1>\r\n<p><br />\r\nUnder the Data Protection Act 1998, we have a legal duty to protect information we collect from you, and tell you how we use this information. </p>\r\n<p>We collect two kinds of information from visitors to this website </p>\r\n<ul><li><strong>Personal Information</strong> via telephone & submitted enquiries. </li>\r\n<li><strong>Site Usage Information</strong> from cookies and log files. </li>\r\n</ul><hr /><h2>How We Use Your <strong>Personal Information. </strong></h2>\r\n<p>In making an enquiry on this website, you are submitting personal information. We will use your information for marketing purposes now or in the future regarding the service you have requested from us. </p>\r\n<p><strong>Marketing Preferences </strong><br />\r\nYou have a legal right to instruct us not to contact you for marketing purposes.<br />\r\nTo do so, please write to:<br />\r\nCompliance<strong>,</strong> , Nelson House, Park Rd, Timperley, Cheshire, WA14 5BZ.</p>\r\n<p><strong>Access To Your Information<br /></strong>You have a legal right to see any information we hold about you. <br />\r\nTo see your records, please write to: <br />\r\nCompliance<strong>,</strong> , Nelson House, Park Rd, Timperley, Cheshire, WA14 5BZ.</p><hr /><h2>How we use <strong>Site Usage Information.</strong></h2>\r\n<p><strong>Cookies<br /></strong>A cookie is a small amount of data, which often includes an anonymous identifier that is sent to your browser from a website\'s computer and stored on your computer\'s hard drive. Each website can send its own cookie to your browser if your browser\'s preferences allow it, but (to protect your privacy) your browser only permits a web site to access the cookies it has already sent to you, not the cookies sent by other sites.</p>\r\n<p><strong>Our Use of Cookies</strong><br />\r\nThis website uses a cookie to track individual users around our site and to recognise them should they visit this site on more than once. This does not track nor record personal information that could be used to identify you. We use this information for analytical purposes only. Most browsers can be set not to accept cookies within their privacy settings.\r\n<script><![CDATA[\r\nif (document.all)\r\nvar version=/MSIE d+.d+/\r\nif (!document.all)\r\ndocument.write(\" The type of browser you are using is <b>\"+navigator.appName+\" \"+navigator.userAgent+\"\")\r\nelse\r\ndocument.write(\" The type of browser you are using is <b>\"+navigator.appName+\" \"+navigator.appVersion.match(version)+\"\")\r\n]]></script></p>\r\n<p><strong>Log Files<br /></strong>Like Cookies, log files allow us to record usage of this site. We use this information for analytical purposes as understanding patterns of user behavour helps us improve our website. Log files do not contain personal information and they are not used to identify individual patterns of use of the site.</p>\r\n<hr /><h1>Disclaimer</h1>\r\n<p>The material on this website is for general information only and should not be relied upon make important decisions. Call Freephone advice on 0800 043 2444 for free professional advice about your own particular situation. </p>\r\n<h1>External Links</h1>\r\n<p>This website contain links to other websites.<br />\r\nWe are not responsible for the content of external internet sites, nor their privacy policies.</p>\r\n<p><br /><strong>End of Privacy Statement </strong></p> \r\n ','Privacy','','publish','closed','closed','','privacy','','','2017-08-24 12:58:04','2017-08-24 11:58:04','',0,'http://insolvency-service.co.uk/privacy',0,'page','',0),(246,2,'2017-08-24 11:30:41','2017-08-24 11:30:41','\r\n \r\n \r\n <h1>PVA\'s - Parnership Voluntary Arrangements</h1>\r\n <p class=\"summary\">A PVA is a formal insolvency procedure enabling a partnership to make a proposal to its creditors regarding payment of debts, or a scheme of recovery for the business interests involved.</p>\r\n \r\n \r\n <p>A PVA is similar to a Company Voluntary Arrangement in that it is a formal arrangement with the partnership\'s creditors for an agreed duration and under terms agreed with creditors.</p>\r\n<p>Should a partnership find itself in a position where it is insolvent or experiencing severe cash flow problems, but has a viable business which will generate profits by trading on, there are a number of options available to the partners and/or the creditors under the provisions of the Insolvency Act 1986 and the IPO, such as the formal winding-up of the partnership as an unregistered company (possibly in conjunction with the bankruptcy of one or more of the partners), a partnership administration order (which is similar in procedure and effect to a standard administration order) or a PVA (possibly in conjunction with interlocking individual voluntary arrangement\'s (\'IVA\') of one, some or all of the partners).</p>\r\n<p>In the case of a PVA, if approved by creditors, the partnership will be protected from the actions of its creditors to allow it to continue its business. The PVA may be approved by creditors on basis that it gives the partnership a certain time frame to realise an asset and/or to make contributions from future profits for a set period, with a view to achieving a recovery to creditors, which may not be available in the case of a winding-up of the partnership.</p>\r\n<p>In a PVA, (unlike the procedure for IVA\'s) there is no protective interim order so consideration should be given to first obtaining an administration order in respect of the partnership, to obtain protection from creditors prior to implementing a PVA. This would depend upon the level of creditor pressure at the time.</p>\r\n<h3>Implementing a PVA </h3>\r\n<p>The procedure for implementing a PVA is relatively straightforward, although the proposals for the arrangement can be detailed and, depending upon the partnership\'s affairs, may be complex to draft. The partners of the firm must propose the PVA and, dependent upon the partnership deed, it is likely that unanimous approval is required. A qualified insolvency practitioner is appointed and acts as nominee and will assist and advise the partners in completing proposals to creditors, which will include details of the partnership\'s and partners\' individual financial affairs. The nominee will report to the court on the proposals and a copy of the report, together with the proposals, will be sent to all creditors, giving at least fourteen days notice for a meeting for creditors to consider and vote on the proposals.</p>\r\n<p>At the meeting the proposals will be approved if 75% majority in value of the creditors present in person or by proxy vote for acceptance of the PVA. It should be noted that if more than 50% in value of non-connected creditors vote for rejection of the PVA, it will fail (connected creditors would include employees of the partnership, other partners and their relatives). Once the proposal has been approved, it becomes binding on all creditors who have notice of the meeting of creditors. Secured creditors will not, however, be bound unless they give their express consent. Preferential creditors will be bound if the proposal does not affect their priority or their relative dividend entitlement. The nominee, or another person appointed in his place, will then supervise the implementation of the arrangement.</p>\r\n<p>Once the arrangement is in place the partners will retain management of the partnership and the supervisor will monitor the arrangement and ensure that the terms of the proposals are adhered to. It will also be necessary for the supervisor to agree creditors\' claims and to distribute funds as and when appropriate.</p>\r\n<h3>PVA Pros and Cons</h3>\r\n<p>The main benefit of the PVA is that once it has been approved by creditors, and assuming the partnership complies with the terms of the arrangement, the partnership creditors are unable to pursue the partners\' individual estates for payment of any shortfall under the PVA. Other benefits of this procedure are that in the cases of larger partnerships, implementing interlocking IVA\'s for all of the partners may be difficult or impossible to administer.</p>\r\n<p>It is also likely that, particularly in the case of professional partnerships, in view of the fact that any value for goodwill will be tied up in the partners themselves and their ability to generate fees, trading on will probably enhance realisations. In addition, by avoiding bankruptcy proceedings from the partnership creditors, in the case of professional partnerships the partners may avoid expulsion from their recognised public bodies, which could result in an inability to continue working in their profession.</p>\r\n<p>The disadvantages ofan PVA; are that unlike an IVA there is no interim order so the partnership may be forced to consider an administration order to obtain protection from creditors, pending the implementation of the PVA. An administration order is costly to obtain and may only be appropriate in the case of larger partnerships. A further disadvantage is that the PVA will not protect the partners from the actions of their personal creditors.</p>\r\n','Pva','','publish','closed','closed','','pva','','','2017-08-24 12:58:31','2017-08-24 11:58:31','',0,'http://insolvency-service.co.uk/pva',0,'page','',0),(247,2,'2017-08-24 11:30:41','2017-08-24 11:30:41','<h1>Terms and Conditions</h1>\r\n<p class=\"summary\">Term and Conditions of usage of this website.</p>\r\nAlthough we have attempted to provide accurate information on this website, accepts no responsibility for the accuracy of the information. All information has an informative character and is made available \"as is\". We do not guarantee nor warrant the correctness, suitability, reliability and accuracy of the information.\r\n\r\nDue to the complexities of UK Insolvency Law, the outlines given here are not to be considered complete.\r\n\r\n<strong>Do not make any importance decisions based on the information contained herein alone.</strong>\r\n\r\nEach case requiring professional advice is made up of a set of individual circumstances. You should seek professional advice, specific to your own circumstances before making and important decisions.\r\n<h3>External Links</h3>\r\nThis site contains links to other we sites, and we are not responsible for the content or privacy practices of any linked sites.','Terms','','publish','closed','closed','','terms','','','2017-08-24 12:59:39','2017-08-24 11:59:39','',0,'http://insolvency-service.co.uk/terms',0,'page','',0),(248,2,'2017-08-24 11:30:41','2017-08-24 11:30:41','\r\n<h1>What is a Trust Deed ?</h1>\r\n<p class=\"summary\">A Trust Deed is similar to an IVA, but is used in Scotland. A Trust Deed is a formal agreement between you and your creditors. It passes your assets and property to a Trustee to be administered for the benefit of creditors and the payment of debts.</p>\r\nSequestration is the Scotish law version of Bankruptcy. This not the only solution for serious debt problems.\r\n<h3>Advantages of a Trust Deed over Sequestration</h3>\r\n<ul>\r\n <li>Debts are frozen at the date you sign the Trust Deed. Creditors should direct correspondence to the Trustee rather than you.</li>\r\n <li>You can still have a bank account. This is usually an instant access type account where you can use a cash card but no cheque book, cheque card or overdraft facility. We have a list of instant access bank accounts that may be suitable.</li>\r\n <li>Any monthly payment based on your earnings may be increased or decreased if your circumstances change.</li>\r\n</ul>\r\n<h3>Restrictions of a Trust Deed</h3>\r\n<ul>\r\n <li>You cannot take out credit over £250 during the Trust Deed period.</li>\r\n <li>Only the creditors who agree to the terms are bound by the Trust Deed. Those not agreeing can still carry out various forms of enforcement available to them, including petitioning for your bankruptcy.</li>\r\n <li>If you do not cooperate with the Trustee, they can try to make you bankrupt</li>\r\n <li>You cannot be a director of a limited company.</li>\r\n</ul>\r\nThe <strong>Trustee</strong> must be a qualified Insolvency Practitioner.\r\n<h3>Protected Trust Deed</h3>\r\nProviding it meets certain conditions, a Trust Deed may be recorded in the Register of Insolvencies as a Protected Trust Deed. This prevents the creditor from making you bankrupt so long you stick to the terms of the Trust Deed.\r\n<h3>Frequently Asked Questions.</h3>\r\n<strong>Are the creditors bound by the terms of the trust deed? </strong>\r\nNo, only those creditors who agree to its terms.\r\n\r\n<strong>Can those creditors who do not agree to the trust deed take action to recover their debts? </strong>\r\nYes, they can still carry out the various form of diligence available to them, including petitioning for your sequestration.\r\n\r\n<strong>Can I prevent diligence being taken against me by creditors who do not agree to the trust deed? </strong>\r\nYes, by having the trust deed registered as a protected trust deed.\r\n\r\n<strong>How does a trust deed become a protected trust deed? </strong>\r\nThe Trustee publishes a notice in the Edinburgh Gazette and writes to all the creditors enclosing a copy of the notice and of the trust deed and advising them that the trust deed is to become protected. Unless, within 5 weeks of the date of the notice, written objections are made by a majority in number of creditors, or from creditors representing not less than one third of the total debts, the trust deed automatically becomes protected.\r\n\r\n<strong>Who pays for the costs of setting up and administering the trust deed?</strong>\r\nAll costs must be met from the estate transferred by the trust deed or from your earnings.\r\n\r\n<strong>How much must I owe before a trust deed can be signed?</strong>\r\nThere is no minimum or maximum amount of debt.\r\n\r\n<strong>Are the terms of the trust deed prescribed by law?</strong>\r\nNo, the trust deed can contain any terms, which are likely to be acceptable to the creditors, and it is possible to enter into a trust deed, which does not transfer all of the assets, but such a trust deed cannot become a protected trust deed and may not be acceptable to all the creditors. However, if the trust deed is to become a protected trust deed, it must transfer everything the debtor owns except household goods and current income. There are standard forms of trust deed commonly in use, which meet the requirements for a protected trust deed.\r\n\r\n<strong>Once the trust deed has been signed, what further obligations do I have to the Trustee or to my creditors?</strong>\r\nYou must co-operate with the Trustee and comply with the terms of the trust deed. You may be required to make a contribution to the estate from your earnings. The Trustee will deal with your creditors.\r\n\r\n<strong>What can happen if I fail to co-operate with my Trustee?</strong>\r\nThe Trustee can petition for your sequestration. The Trustee can also petitionfor your sequestration if he considers that would be in the better interests of your creditors, for example, by obtaining the greater statutory powers available to a Trustee in sequestration.\r\n\r\n<strong>Is it possible for me to sign a trust deed even if I have no assets?</strong>\r\nYes, if you are prepared to pay a proportion of your earnings to the Trustee; there must however be some benefit to your creditors.\r\n\r\n<strong>What happens if a majority of my creditors object to my trust deed becoming protected?</strong>\r\nProvided you owe at least £1,500 and have not been sequestrated in the previous 5 years, the rejection by the creditors of a trust deed which was eligible to become a protected trust deed would be sufficient grounds for you to petition for your own sequestration, if you so wished. See also booklets AB1 and AB2. The fact that you have signed a trust deed would also entitle any creditor, or creditors, to whom you owe not less than £1,500, to petition for your sequestration in the 5 week period before the trust deed becomes protected. If however it is not superseded by your sequestration, a trust deed will continue to operate even if it does not become a protected trust deed.\r\n\r\n<strong>When will I be discharged from my debts?</strong>\r\nProvisions for your discharge will usually be included in the terms of the trust deed and is normally allowed 3 years after the date of granting. If the trust deed becomes protected, your discharge will be binding on all of your creditors. If the trust deed does not become protected, your discharge will only be binding on those creditors who agreed to it and they would still be able to pursue you for repayment.\r\n\r\n<strong>Does all my property have to be transferred to the Trustee?</strong>\r\nYes, but only if the trust deed is intended to become a protected trust deed; otherwise it is possible to withhold some of your assets. Such an arrangement may not however be acceptable you your creditors. Property which is transferred to the Trustee may be sold by him whenever it is in the interest of your creditors for him to do so.\r\n\r\n<strong>Can the Trustee sell my house?</strong>\r\nThe Trustee can sell all property which has been transferred to him by the trust deed; however, if your house is jointly owned or if it is a family home, the Trustee will need the consent of the co-owner of anyone else who has occupancy rights in the house.\r\n\r\n<strong>Can I hold other public offices?</strong>\r\nYes; however, the regulations governing some public bodies debar from holding office anyone who has signed a trust deed or entered into an arrangement with his creditors; you should check with the body concerned.\r\n\r\n<strong>Will the signing of a trust deed result in my being black-listed by credit reference agencies?</strong>\r\nYes, if the trust deed becomes protected because it will have been advertised in the Edinburgh Gazette. In other cases the agencies may become aware of your insolvency from other sources, e.g. from your creditors.\r\n\r\n<strong>When I am discharged, do I get my property back?</strong>\r\nNo. Once you have transferred assets to your Trustee, it becomes his duty in law to sell them for the benefit of your creditors. The trust deed continues to operate after your own discharge so long as there are assets for the Trustee to manage or realise.\r\n','Trust Deeds','','publish','closed','closed','','trust-deeds','','','2017-08-24 12:59:49','2017-08-24 11:59:49','',0,'http://insolvency-service.co.uk/trust-deeds',0,'page','',0),(249,2,'2017-08-24 11:30:41','2017-08-24 11:30:41','\r\n<h1>What is an IVA ?</h1>\r\n<p class=\"summary\">An IVA is a legal process for residents of England and Wales who have <strong>unaffordable debt repayments</strong>. It is a formal agreement between you and your creditors whereby you repay as much as you can afford, usually over 5 years, after which, any outstanding debt is written off.</p>\r\n\r\n<h2>What can an Abacus IVA do for me ?</h2>\r\n<ul>\r\n <li><strong>Reduce debt by up to 70%</strong>\r\nYou only repay what is affordable after taking into account your personal circumstances.</li>\r\n <li><strong>Guarantee debt freedom in 5 years. </strong>\r\nIn 60 months you will be debt free, the rest is written off.\r\nThis is dependant on approval of 75% (by value of the debt) of your creditors, and provided you maintain the payment schedule.</li>\r\n <li><strong>Stop interest and charges</strong>.\r\nYour debts will not increase and interest will be frozen.</li>\r\n <li><strong>Stop harassment.</strong>\r\nStops creditors and debt collectors from chasing you.</li>\r\n <li><strong>Stop court action.</strong>\r\nCan stop bankruptcy proceedings and bailiffs</li>\r\n <li><strong>Possibly help you, where other IVA companies could not.\r\n</strong>\r\nOur costs are low, so creditors get more of the money you pay into the IVA.\r\nTherefore were are able to assist many people other IVA companies can not. See <a href=\"IVA-Fees-Costs \">IVA costs</a> for further explanation.</li>\r\n</ul>\r\n<h2>Affordable payments</h2>\r\nWith the help of one of our advisors, you calculate how much you can realistically afford to pay back each month.\r\n\r\nIf <strong>*</strong>75% of your creditors accept your offer, then the IVA is officially in place. This is legally binding . At this point, the value of your debt is frozen and you will not be subject to further interest or charges.\r\n<p class=\"bookmark\"><strong>*</strong>\"<em>75% of your creditors</em>\", means 75% by value of the debt. If you owe £40,000, then creditors to whom you own at least £30,000 of this debt is 75% of your creditors by value. This does not mean if you owe to 8 creditors, then any 6 must agrees to your IVA proposal. It may be the case that only 4 out of 8 would account for 75% of the debt by value.</p>\r\nIf you are confident you can maintain the agreed monthly payment, an Abacus IVA could be the solution for you.\r\n<h2>IVA\'s do not cost you anything.</h2>\r\nThere are costs involved in setting up and IVA as the work of an insolvency professional is not free. However, fees are deducted from the money paid to your creditors, hence they bear the cost. Fees are not added to your payments. However fees charged by an IVA company are a factor in the success or failure of an IVA proposal. See <a href=\"IVA-Fees-Costs \">IVA Fees and Costs</a> for more details.\r\n<h2>I\'m considering an IVA - What Next ?</h2>\r\nCall us or submit the <strong>Instant Advice </strong>form. We will need to ask you about your financial circumstances. Only if we consider an IVA to be in your best interests would the reccommend a formal proposal. Once you have instructed use to act, we will-\r\n<ul>\r\n <li>Prepare all the paper work.</li>\r\n <li>Contact all your creditors.</li>\r\n <li>Request creditors suspend any court or legal action.</li>\r\n <li>Request creditors freeze interest and other charges at this time.</li>\r\n <li>Draft your offer based on the information you have provided. When you are happy with the proposal, sign and return it to us.</li>\r\n <li>Perform the administration process on your behalf.</li>\r\n</ul>\r\nYou do not have to attend the court or be involved in meetings or negotiations with creditors.\r\n\r\n<strong>For those that qualify, an IVA can be the best method to sort out serious debt problems, especially if you are a homeowner with equity to protect. </strong>\r\n<h2>More information on IVA\'s</h2>\r\n<ul>\r\n <li><a href=\"IVAProsCons \">IVA Pros and Cons </a>Advantages and Disadvantage compared to with Debt Management, Bankruptcy and Debt Consolidation Loans.</li>\r\n <li><a href=\"IVA-Fees-Costs \">IVA costs and Charges. </a>Read how varying Insolvency Practitioner / IVA company fees impacts the chances of success of an IVA case.</li>\r\n <li><a href=\"Bankruptcy-IVA-Comparison \">IVA or Bankruptcy ?</a>Differences between and IVA and Bankruptcy explained.</li>\r\n <li><a href=\"iva-faq \">IVA Frequently Asked Questions </a>A database of IVA questions & answers prepared by our team of Insolvency Practitioners.</li>\r\n</ul>\r\n','What Is An Iva','Bad, Credit, Loans, Bad Credit Unsecured Loans','publish','closed','closed','','what-is-an-iva','','','2017-08-24 13:00:03','2017-08-24 12:00:03','',0,'http://insolvency-service.co.uk/what-is-an-iva',0,'page','',0),(250,2,'2017-08-24 12:30:42','2017-08-24 11:30:42','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"/\"></a></div><div id=\"logo\"><a href=\"/\"></a></div><div id=\"phone\">Open 24 hours on Saturdays - Call Now </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n \n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n <h1>Bankruptcy Annulment </h1>\n <p class=\"summary\">In certain circumstances, a bankruptcy order can be reversed or annulled. This can only be done by court order. </p>\n <p>You can seek to get your <strong>bankruptcy cancelled</strong> under the following circumstances. </p>\n <ul><li>The bankruptcy order should not have been made in the first place as you had not received the proper advice before the bankruptcy order was made. It may be the case that a solution of than bankruptcy may be still be preferable to all parties involved. </li>\n <li>The bankruptcy order should not have been made due to errors in process and protocol. If all parties (you, all creditors, court) acted on incorrect or incomplete information, then the bankruptcy should have been avoided. </li>\n <li>All your bankruptcy debts and the fees and expenses of the bankruptcy proceedings have been either paid in full or secured (guaranteed) to the satisfaction of the court. </li>\n <li>You have had an IVA proposal approved to repay a percentage of debts over 5 years in return for a full and final settlement. </li>\n </ul><div id=\"BottomCalltoAction\">\n <h2>What To Do Next</h2>\n <p>If you have recently been made bankrupt, but believe there is grounds for an annulment, please contact us for free advice.</p>\n <p>An annulment means that it is as if the bankruptcy order was never made.</p>\n </div>\n </div>\n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n </div>\n\n \n \n <div id=\"ivabanner\"></div>\n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Open 24 hours on Saturdays - Call Now</b></p>\n</div>\n\n \n\n</body>','Annulment','','inherit','closed','closed','','211-revision-v1','','','2017-08-24 12:30:42','2017-08-24 11:30:42','',211,'http://insolvency-service.co.uk/211-revision-v1',0,'revision','',0),(251,2,'2017-08-24 12:30:42','2017-08-24 11:30:42','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"/\"></a></div><div id=\"logo\"><a href=\"/\"></a></div><div id=\"phone\">Lines Open 24 Hours </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n</div>\n \n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n <h1>Bankruptcy and Your Assets</h1>\n <p class=\"summary\"> When made bankrupt, you surrender all possessions of value, including any interest in your home. Control of everything you own passes to the Trustee.</p>\n <p>The Trustee must be informed of all assets, it is their decision as to what you can keep.<br />\n The Trustee takes control of all assets not exempt from bankruptcy. They will arrange for their sale, using the proceeds to pay the fees, costs and expenses of the bankruptcy, before paying the creditors. </p>\n <p>Normally, the sale of any asset should be expected to raise at least £500 towards the bankruptcy for it to be worthwhile for the Trustee to claim it. </p>\n <p>When the bankruptcy order is made, your bank and savings accounts are seized by the Trustee. If in credit, the balance is a asset in the bankruptcy. </p>\n <h2>Items excluded from Bankruptcy </h2>\n <p>It is only reasonable that you be allowed to keep essential items and are not impeded from earning a living. Items which can to be excluded from bankruptcy include:- </p>\n <ul><li>Household items essential for basic domestic needs. e.g. Clothes, Furniture, TV etc. </li>\n <li>A modest vehicle depending on circumstances, see - <a href=\"Cars \">Bankruptcy & Your Car</a>. </li>\n <li>A residential tenancy. </li>\n <li>Items needed for trade or employment such as tools and computing equipment. </li>\n <li>Money held in pension funds, see - <a href=\"Pensions \">Bankruptcy & Your Pension</a>. </li>\n <li>Money obtained from a student loan, if a balance of the loan remains payable.</li>\n </ul><p>For information about property see - <a href=\"Home-Property \">Bankruptcy & Your Home</a>.</p>\n <h2>Disposing of your Assets before Bankruptcy</h2>\n <p>If Bankruptcy is looming and unavoidable, you are well advised to take personal responsibility for the sale of any assets that would otherwise be sold by the Trustee, especially your car. The Trustee would put the items for sale at public action with the intention of getting a reasonable price in the quickest time. If you can raise more money be selling the items by other means, you should do so. This may even prevent the bankruptcy if you can raise enough cash to offer a full and final settlement.</p>\n <p>What you <strong>must not do</strong> is give way or sell your belongings as less than their true value. This is called making <a href=\"Restriction-Orders \">Transactions At Under Value</a>. This is not allowed and may result in a Bankruptcy Restriction Order. </p>\n <h2>Unreasonable Assets. </h2>\n <p>A question we are often asked is, <strong>What is a unreasonable asset?</strong><br />\n Generally speaking, if you can sell a high value item and can buy a cheaper replacement with a substantial amount money remaining, then that is considered an <strong>unreasonable asset</strong> and may be claimed by the Trustee. <br />\n Something valuable but nonessential to basic domestic living, especially if it requires money to maintain, like a Horse, will also be considered to be an <strong>unreasonable asset</strong>.</p>\n <h2>Assets obtained or received during bankruptcy </h2>\n <p>Any assets or monies obtained from any source whilst serving bankruptcy (ie before discharge) may be claimed as part of the bankrupt\'s estate by the Trustee. It\'s an offense not to disclose such information. This includes:- </p>\n <ul><li>Anything bequest in a will, for example a property. </li>\n <li>Something of little value at the time of the bankruptcy order, but rising in value before bankruptcy discharge.</li>\n <li>Claims made against another person through court proceedings.</li>\n <li>Any other windfall.</li>\n </ul><p>If you know your are to be the benefactor of a will, you may be well advised to get that will changed to the name of an non-serving bankruptcy until you are discharged from bankruptcy.</p>\n <div id=\"BottomCalltoAction\">\n <h2>What To Do Next</h2>\n <p>If you are concerned about the prospect of losing your possessions in bankruptcy then <strong>CALL US</strong> or submit the<strong> INSTANT ADVICE </strong> form for<strong> Immediate Free Advice.</strong><strong></strong></p>\n <p>If you can avoid bankrupcy by doing an <a href=\"IVAProsCons \">IVA</a> instead, you have a better prospect of keeping your home, car and other belongings. </p>\n </div>\n </div>\n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n \n \n \n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Lines Open 24 Hours</b></p>\n</div>\n\n \n\n</body>','Assets','','inherit','closed','closed','','212-revision-v1','','','2017-08-24 12:30:42','2017-08-24 11:30:42','',212,'http://insolvency-service.co.uk/212-revision-v1',0,'revision','',0),(252,2,'2017-08-24 12:30:42','2017-08-24 11:30:42','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"/\"></a></div><div id=\"logo\"><a href=\"/\"></a></div><div id=\"phone\">Open Today - <strong>8am until 9pm</strong> </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n \n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n \n \n <h1>Bankruptcy & Bank Accounts</h1>\n <p class=\"summary\">When a bankruptcy order is made, the bankrupt must stop using their cheque book and bank cards, and immediately surrender them to the Official Receiver. </p>\n \n <p> Accounts are normally frozen by the bank when they learn about the bankruptcy order.</p>\n <p> Therefore, you need to make arrangements need to be made with your existing bank to receive money and pay standing orders, direct debits etc. Opening a new bank account just before the bankruptcy order is made is not advised as this account will also be frozen. <br /><br />\nSome banks allow bankrupts to continue to use existing accounts. Even if the bank agrees to this, they will freeze the account when they become aware of the bankruptcy order. </p>\n <h2>Bank Accounts in Credit at Bankruptcy </h2>\n <p>Money in an account at the date of the bankruptcy order is an <strong>asset</strong> in the bankruptcy. The Offical Receiver may allow the use of some of this money for essential living expenses. <br /><br />\nIn the case where the<strong> bank account is in joint names</strong>, the Offical Receiver decides how much of the money to release to each of the joint account holders.</p>\n <h2>Bank Accounts Overdrawn at Bankruptcy </h2>\n <p>Any overdraft or outstanding balance on credit cards is a <strong>debt</strong> in the bankruptcy. Therefore, payments must not be paid directly to the bank, unless it is a secured debt. This is because the bankrupt would be giving the bank preferential treatment over other creditors. The Offical Receiver decides which debts are paid and, in which proportions. </p>\n <p>For bank account is in joint names, all parties are jointly responsible for the whole debt. This is the same for any joint credit agreement. Therefore the bank can ask the joint account holder facing bankruptcy to pay all the money owed.</p>\n <h2>Bank Accounts During Bankruptcy. </h2>\n <div class=\"rightbox\" style=\"width:170px;\">\n \n <a href=\"http://www.moneymadeclear.fsa.gov.uk/pdfs/bank_accounts.pdf\" target=\"_blank\">FSA guide to Basic Bank Accounts</a> </div> \n <p>During the bankruptcy, the bank may permit usage of existing accounts after they have consulted the Official Receiver. </p>\n <p>A non discharged bankrupt can apply to open a new Bank/ Building society account, but they must inform the bank they are a serving bankrupt. </p>\n <p>Banks/Building Societies are not obliged to grant an account, but if so, it is likely to be a basic account without credit facilities. Banks are required by law to offer a basic bank account product. However, due to their nature, not much money can be made from such accounts. Therefore, these types of accounts are not pushed like the more profitable credit baring accounts and the consumer is often unaware of their existance. </p>\n <p>See the document to the right for details of the basic bank accounts offered by the UK leading banks and building societies. </p>\n <p>Serving Bankrupts do not need to tell the Offical Receiver or Trustee about any new account opened after the date of the bankruptcy order unless asked about it. Nor are they obliged to advise the Offical Receiver or Trustee about money in any new account not amounting to more than needed for reasonable living expenses.</p>\n \n <div id=\"IVAadvice\">\n <h2>Bank Accounts and an IVA</h2>\n <p><strong>Will I have to close my bank account ?</strong><br />If you have debts with your bank, they can take money from where your wages are paid into, whether you can afford it or not. This is called the <b>Right To Offset.</b> Such debts can be in the form of an overdraft, credit card balence or personal loan. <br /><br />\nTherefore you must arrange new banking facilities before embarking on an IVA if your current bank holds some of the debt that is to be placed in the IVA.<br /><br />\nPeople entering into an IVA normal already have some adverse credit history and find it difficult to getting an application to open a conventional bank accepted. In that case you need to open a non-credit bearing basic account. As an IVA is a private matter, your new bank does not need to about your IVA. We can advise you further on this matter. </p>\n </div>\n <div id=\"BottomCalltoAction\">\n <h2>What To Do Next</h2>\n <p>If you are concerned about the prospect of losing your banking facilities in bankruptcy then <strong>CALL US</strong> or submit the<strong> INSTANT ADVICE </strong> form for<strong> Immediate Free Advice.</strong><strong></strong></p>\n <p>If you can avoid bankrupcy by doing an <a href=\"IVAProsCons \">IVA</a> instead, you will not be under the same banking restrictions.</p>\n </div>\n </div>\n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n </div>\n \n \n \n \n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Open Today - <strong>8am until 9pm</strong></b></p>\n</div>\n\n \n \n</body>','Bank Accounts','','inherit','closed','closed','','213-revision-v1','','','2017-08-24 12:30:42','2017-08-24 11:30:42','',213,'http://insolvency-service.co.uk/213-revision-v1',0,'revision','',0),(253,2,'2017-08-24 12:30:43','2017-08-24 11:30:43','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"\"></a></div><div id=\"logo\"><a href=\"\"></a></div><div id=\"phone\">Open Today - <strong>8am until 9pm</strong> </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n \n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n \n \n <h1>Bankruptcy IVA Comparisons</h1>\n <p class=\"summary\">Comparison between UK Bankruptcy laws and an (IVA) Individual Voluntary Arrangement.</p>\n <h2>UK Bankruptcy</h2>\n <ul><li>Bankruptcy is always publicly advertised. Public notification will normally appear in your local newspaper containing details of your name, address and occupation. \n </li><li>All assets will vest in your Trustee (the person appoined by the court to oversee the bankrupcy) and may be sold to repay your debts. \n </li><li>You may still have to make monthly contributions for up to 3 years at the discretion of the Official Receiver or Trustee in Bankruptcy. \n </li><li>If you fall into financial difficulties again, and are made bankrupt by creditors, you will have to serve a minimum 5 years bankruptcy. \n </li><li>You will interviewed by an Official Receiver and questioned as to how or why you fell into difficulties and if you behaviour was considered to be rash or hazardous you may be subject to a Bankruptcy Restriction Order. \n </li><li>You have a duty to co-operate with the Official Receiver or Trustee in Bankruptcy. You cannot take on credit in excess of £500 without declaring that you are a bankrupt. \n </li><li>DTI will keep a record of the bankruptcy for up to 15 years. </li>\n </ul><h2>Individual Voluntary Arrangement.</h2>\n <ul><li>An IVA is not advertised. \n </li><li>All assets can be retained. \n </li><li>In control of own finances. \n </li><li>In control of own income. \n </li><li>A large proportion of the debt may be written off. Interest is frozen. \n </li><li>Replace balance of debt by you will only pay what you can afford. \n </li><li>All contact from creditors should stop completely. \n </li><li>Can continue running own business. \n </li><li>Can continue as a director. \n </li><li>Will not affect your employment status. \n </li><li>No court proceedings can be brought against you in respect of any of the debts bound by the Individual Voluntary Arrangement. \n </li><li>No question of rash or hazardous behaviour. \n </li><li>Under certain circumstances an IVA can result in an existing bankruptcy being annulled. \n </li><li>Landlords are not notified, unless they are a creditor. </li>\n </ul><div id=\"BottomCalltoAction\">\n <h2>What To Do Next</h2>\n <p>If you qualify for an IVA then this would be your best method to clear all of your debts, Please complete our short enquiry form to find out if you do qualify.</p>\n <p>Please don\'t wait until it\'s too late.</p>\n </div>\n </div>\n \n \n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n </div>\n \n \n \n \n \n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Open Today - <strong>8am until 9pm</strong></b></p>\n</div>\n\n \n \n</body>','Bankruptcy IVA Comparison','','inherit','closed','closed','','214-revision-v1','','','2017-08-24 12:30:43','2017-08-24 11:30:43','',214,'http://insolvency-service.co.uk/214-revision-v1',0,'revision','',0),(254,2,'2017-08-24 12:30:43','2017-08-24 11:30:43','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"/\"></a></div><div id=\"logo\"><a href=\"/\"></a></div><div id=\"phone\">Open Today - <strong>8am until 9pm</strong> </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n</div>\n \n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n <h1>Bankruptcy and Your Car</h1>\n <p class=\"summary\"> Like any other asset, your car can and will sold towards paying your debts when you are made bankrupt, however there are excpetions. </p>\n <h2>When you may keep your Vehicle or Car.</h2>\n <p>You may be allowed to keep your Vehicle or Car under the following circumstances.</p>\n <ul><li><strong>The vehicle is worth less than £2,000.</strong></li>\n <li><strong>The sale of the vehicle will not produce more than £500 for your Creditors. <br /></strong>This is can be the case when the car is owned by more than one person. </li>\n <li><strong>The vehicle is essential for work or your vocation. </strong><br />\n This means the car is used for work, for example a Taxi, or when there is no reasonable alternative for transport to and from a place of work.<br />\n If you are the full time carer of a disabled person, this may be classed as your vocation and an exemption can be granted on these grounds.</li>\n <li><strong>A car is deemed necessary to \'meet basic domestic needs\' where there is no realistic alternative. </strong><br />\n Disabled pepole requiring a car for mobility would fall into this category. What is categorized as <em>necessary</em> is not based upon convenience when alternatives exists, except when the alternatives are more expensive. If you are able bodied and live an a urban area, then is not likely you can claim a vehicle as necessary to \'meet basic domestic needs\'.</li>\n </ul><h2>Registered Keeper / Owner of a Vehicle. </h2>\n <p>The V5 document from the DLVA describes the <strong>registered keeper</strong> of a vehicle and clearly states that this is not necessarily the legal owner. It goes on to state that:- </p>\n <p>The registered keeper is responsible for the vehicle’s day to day use on the road<br />\n and is:</p>\n <ul><li>The person who is liable for licensing the vehicle.</li>\n <li>The person to whom the police and other enforcement authorities would direct any enquiries, eg motoring and parking offences.</li>\n </ul><p>The legal owner is:</p>\n <ul><li>The person or company who purchased the vehicle eg a hire purchase or leasing company.</li>\n <li>The person who purchased the vehicle for their spouse/child etc.</li>\n </ul><p>So, if your name is on the V5 document, but someone else bought and paid for the vehicle, and this is provable, then you should be able to keep it.</p>\n <p>Conversely, if you have bought and paid for a car which is driven and insured by someone else and they are also the registered keeper, but live at the other end of the country and you\'ve never seen the car, it matters not. That car will to treated as your asset in Bankruptcy.</p>\n <h2>Joint Ownership of Cars in Bankruptcy.</h2>\n <p>Any asset may be jointly owned by two parties;- a car is no exception. The Trustee may only claim you share of any asset towards your bankruptcy. However this does not prevent the Trustee from forcing a sale to release your share. In the first instance, the Trustee will allow the other parties with part ownership to buy out your share. </p>\n <h2>Sale of a Car Prior to Bankruptcy </h2>\n <p>Any vehicle you have owned in the 2 years prior to the Bankruptcy will been included in the bankruptcy, or the monies from the sale will need to be accounted for. This even applies to a car innocently given to your spouse or one of your children are a Christmas present. You can\'t sell or give away an asset in the hope of omitting it from the bankruptcy.</p>\n <p>If you sell a car at less than it\'s true value, this is called a <a href=\"Restriction-Orders \">Transaction At Under Value.</a><br />\n This is not allowed and may result in a Bankruptcy Restriction Order. </p>\n <h2>High Value Cars </h2>\n <p>If the vehicle is of a high value, you may still be required to trade down to a more modest one. Currently guidelines are a maximum of £2,000 for a replacement car, but can be higher depending on circumstances.</p>\n <h2>Deciding the Value of the Car </h2>\n <p>You have no say as to the value of the car. The Trustee values the vehicle referring to the online Parker\'s Guide, for a guide price. For vehicles older than to M registration (1994), or for specialist or vintage cars it may be necessary to instruct agents to to obtain a value.</p>\n <h3><strong> Hire Purchase Cars in Bankruptcy</strong></h3>\n <p>If the vehicle is subject to a hire purchase, lease or conditional sale agreement, then the finance company may seek to repossess as your bankruptcy may break the terms of the finance agreement. This can happen whether the Trustee deems it to be exempt from the bankruptcy or not. It may be case that the Trustee can invite the car finance company to repossess the car if there is not enough equity in the vehicle to make selling it worthwhile. </p>\n <div id=\"IVAadvice\">\n <h2>Your Car & an IVA</h2>\n <p>It depends on the car and your circumstances. This is the case for all high value assets. It is normal to be allowed to keep a car worth a reasonable amount, especially if needed for work or family commitments. The conditions are not as strict as with bankruptcy.<br /><br />\nFor cars on Hire Purchase, this debt is secured and therefore can\'t be included in the IVA, the HP company will simply repossesses the car if your do not maintain payments. <br /> Normally you will be allow to keep making HP repayments while on the IVA, however once payments are completed, you will be expected to make increased payment into the IVA now that your outgoings are lowered.<br /><br />\nIt may be the case that you decide to cut your losses and return the car to the finance company. In this case the outstanding balence is not longer secured and can be included in an IVA propsal.\n </p>\n </div>\n <div id=\"BottomCalltoAction\">\n <h2>What To Do Next</h2>\n <p>If you are concerned about the prospect of losing your car or other vehicle in bankruptcy then <strong>CALL US</strong> or submit the<strong> INSTANT ADVICE </strong> form for<strong> Immediate Free Advice.</strong><strong></strong></p>\n <p>If you can avoid bankrupcy by doing an <a href=\"IVAProsCons \">IVA</a> instead, you have a better prospect of keeping your existing car. </p>\n </div>\n </div>\n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n \n \n \n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Open Today - <strong>8am until 9pm</strong></b></p>\n</div>\n\n \n\n</body>','Cars','','inherit','closed','closed','','215-revision-v1','','','2017-08-24 12:30:43','2017-08-24 11:30:43','',215,'http://insolvency-service.co.uk/215-revision-v1',0,'revision','',0),(255,2,'2017-08-24 12:30:43','2017-08-24 11:30:43','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"/\"></a></div><div id=\"logo\"><a href=\"/\"></a></div><div id=\"phone\">Open Today - <strong>8am until 9pm</strong> </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n</div>\n \n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n <h1>Debts Not Written Off by Bankruptcy</h1>\n <p class=\"summary\"> Bankruptcy does not clear all debts in all circumstances. You may still be liable for some debts, even after discharge from bankruptcy. This includes debts incurred during bankruptcy.</p>\n \n <h3>Secured Debts </h3>\n <p>The debt is enforceable only if it remains secured on that asset. If the asset was sold to provide funds towards the bankruptcy, but did not cover the amount owed, then that debt is no longer secured and therefore not enforceable.</p>\n <h3>Benefit and Tax Credit overpayments.</h3>\n <p>Where overpayments are made before the bankruptcy order, but a decision is made to recover them <strong>after</strong> the bankruptcy order, then the debt remains after bankruptcy discharge. </p>\n <p>In the case where the overpayment is made and recovery sort <strong>before</strong> the bankruptcy order then debt is included in the bankruptcy. The exception to this is overpayment due to fraud, in which case recovery can by enforced despite bankruptcy, whenever the overpayments were made.</p>\n <h3>Council Tax </h3>\n <p>You are liable for council tax for the remainder of the current year if not served with a liability order or final demand. </p>\n <h3>Child Maintenance </h3>\n <p>Liabilities from an order made in a family or domestic court, such CSA claims for child support are outside of bankruptcy. </p>\n <h3>Student Loans </h3>\n <p>Most educational loans cannot be discharged as they fall outside of the Insolvency Act 1986. </p>\n <h3>Court Fines </h3>\n <p>Court Fines imposed for an offence and Liabilities from a confiscation order made under S.1 of the Drug Trafficking Act 1986 0r S.71 of the Criminal Justice Act 1988 </p>\n <h3>Personal Injury Claims. </h3>\n <p>Debts from personal injury claims made against you are outside of bankruptcy. </p>\n <h3>Fraud</h3>\n <p>Debts arising from your fraudulent conduct are outside of bankruptcy. </p>\n \n <h3>Any credit obtained just before bankruptcy </h3>\n <p>Last-minute credit obtained with little intention of respecting the credit agreement can be excluded and/or result in a <a href=\"Restriction-Orders \">Bankruptcy Restriction Order</a>.</p>\n <h3>Interest</h3>\n <p>You may be liable for an interest payable on any of the above debts. </p>\n </div>\n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n \n \n \n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Open Today - <strong>8am until 9pm</strong></b></p>\n</div>\n\n \n \n</body>','Debts Not Included','','inherit','closed','closed','','216-revision-v1','','','2017-08-24 12:30:43','2017-08-24 11:30:43','',216,'http://insolvency-service.co.uk/216-revision-v1',0,'revision','',0),(256,2,'2017-08-24 12:30:43','2017-08-24 11:30:43','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"/\"></a></div><div id=\"logo\"><a href=\"/\"></a></div><div id=\"phone\">Lines Open 24 Hours </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n \n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n <h1>Bankruptcy Hearing</h1>\n <p class=\"summary\">At a <strong>Bankruptcy Hearing</strong>, a district judge considers the bankruptcy petition to decide whether or not to make a bankruptcy order. Once a bankruptcy order is made, you are then officially bankrupt. </p>\n <p>You (the debtor) and the Official Receiver attend the Bankruptcy Hearing. Creditors or their representatives can attend if they wish.</p>\n <p>In order for the judge/court to make a bankruptcy order, it must be satisfied that the debt is proven and that either:-</p>\n <ul><li>The debtor can\'t repay the debt.<br />\n OR</li>\n <li>In the case when payment is not yet due, that the debtor has not realistic change of being able to repay the debt when it is due.</li>\n </ul><p>When the petition is served by a creditor, they must prove that a corresponding <a href=\"Statutory-Demand \">Statutory Demand</a> has been brought to your (the debtor\'s) attention. </p>\n <p>If you have already repaid the debt in full, then the case will be dismissed, but you may still have to paid the creditors costs. If more than £750, then pursuit of these costs could result in fresh bankruptcy proceedings.</p>\n <h2>Reasons why a Bankruptcy order may not be made.</h2>\n <ul><li>In the court\'s opinion, the creditor has refused to accept reasonable payment by installment or a reasonable reduced full and final payment to settle the debt. </li>\n <li>You have reduced the debt to under £750 in between date of petition and date of hearing.</li>\n <li>An agreement is reached at the hearing for the repayment of the debt. </li>\n </ul><p>When the bankruptcy order is made, here are normally 3 elements.</p>\n <ul><li>A bankruptcy period of 12 to 36 months. </li>\n <li>Lump sums to be raised by the sale of assets (for example home, car).<br />\n see <a href=\"Home-Assets \">Your Assets & Bankruptcy</a> for details. </li>\n <li>Monthly Contributions from income. <br />\n See <a href=\"Payments-from-income \">Payment from income during Bankruptcy </a>for details. </li>\n </ul></div>\n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n </div>\n \n \n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Lines Open 24 Hours</b></p>\n</div>\n\n \n\n</body>','Hearing','','inherit','closed','closed','','217-revision-v1','','','2017-08-24 12:30:43','2017-08-24 11:30:43','',217,'http://insolvency-service.co.uk/217-revision-v1',0,'revision','',0),(257,2,'2017-08-24 12:30:43','2017-08-24 11:30:43','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"/\"></a></div><div id=\"logo\"><a href=\"/\"></a></div><div id=\"phone\">Lines Open 24 Hours </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n</div>\n \n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n <h1>Bankruptcy and Your Assets</h1>\n <p class=\"summary\"> A person subject to bankruptcy surrenders any possessions of value, including any interest in their home. Control of everything they own passes to the Trustee.</p>\n <h2>Items excluded from Bankruptcy </h2>\n <p>It is only reasonable that you be allowed to keep essential items and are not impeded from earning a living. Items which can to be excluded from bankruptcy include:- </p>\n <ul><li>Household items essential for basic domestic needs. Eg, Cloths, Furniture, TV etc. </li>\n <li>A modest vehicle depending on circumstances. </li>\n <li>A residential tenancy. </li>\n <li>Items needed for trade or employment such as tools and computing equipment. </li>\n <li>Money held in pension funds (not in all cases) </li>\n <li>Money obtained from a student loan, if a balance of the loan remains payable.</li>\n </ul><p>For information about property see - <a href=\"Home-Property \">Bankruptcy & Your Home</a>.</p>\n <p>For information about cars see - <a href=\"Cars \">Bankruptcy & Your Car</a>. </p>\n <h2>Assets obtained or received during bankruptcy </h2>\n <p>Any assets or monies obtained from any source whilst serving bankruptcy (ie before discharge) may be claimed as part of the bankrupt\'s estate by the Trustee. If is an offense not to disclose such information. This can include. </p>\n <ul><li>Anything bequest in a will, for example a property. </li>\n <li>Something of little value at the time of the bankruptcy order, but rising in value before bankruptcy discharge.</li>\n <li>Claims made against another person through court proceedings.</li>\n <li>Any other windfall. </li>\n </ul><p>If you know your are to be the benefactor of a will, you may be well advised to get that will changed to the name of an non-serving bankruptcy until you are discharged from bankruptcy.</p>\n <p> <br /></p>\n </div>\n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n \n \n \n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Lines Open 24 Hours</b></p>\n</div>\n\n \n\n</body>','Home Assets','','inherit','closed','closed','','218-revision-v1','','','2017-08-24 12:30:43','2017-08-24 11:30:43','',218,'http://insolvency-service.co.uk/218-revision-v1',0,'revision','',0),(258,2,'2017-08-24 12:30:43','2017-08-24 11:30:43','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"/\"></a></div><div id=\"logo\"><a href=\"/\"></a></div><div id=\"phone\">Lines Open 24 Hours </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n</div>\n \n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n <h1>Bankruptcy and Your Home</h1>\n <p class=\"summary\">If you own (or jointly own) your home, mortgaged or outright, your interest in it forms part of your estate and may have to be sold to go towards paying debts. </p>\n <p>If the property is completely in your name, or completely in your spouses name, typically 50% of the equity in a matrimonial home is available to the Bankruptcy Trustee. </p>\n <p>Buying a property and putting it in your spouse\'s name on the off-chance you may one day be made bankrupt does not protect it from the Trustee.</p>\n <p>In the case where a property is jointly owned, the share owned by the parties not subject to bankruptcy proceeding can\'t be used towards the bankruptcy. However, this does not stop the Trustee from forcing the sale of the property to get hold of your share. </p>\n <p>A spouse, other relative or friend can buy your interest in the home from the controlling Trustee. This prevents the future sale of the property by the Trustee.</p>\n <h2><strong>Common Misconceptions about Bankruptcy and Your Home.</strong></h2>\n <p><strong><em>\"I put my home into my partners name years ago, it will be excluded from the Bankruptcy\"</em></strong> <br />\n You\'ll need to prove that your partner paid the full value at the time of the sale and has since paid the mortgage in full. You will also have to account for the money you received from the sale. </p>\n <p><em><strong>\"I have a wife and small children, they can\'t take away my house\".<br /></strong></em>They can and they will. If a spouse and/or dependant children are living at the property, it is possible for the sale in the bankruptcy to be delayed until after the end of the first year of bankruptcy. This allows for time for other housing arrangements to be made. </p>\n <h2>Stopping you Selling your Home. </h2>\n <p>The Trustee can register a caution at the Land Registry, preventing the home from being sold without their permission.</p>\n <p>Under the Enterprise Act 2002 the Trustee has a maximum of three years to deal with a property or risk it reverting back to the Bankrupt. However, the three years will be extended if the sale is obstructed. </p>\n <h2>Charging Orders</h2>\n <p>If the Trustee does not or cannot presently sell the home, they may obtain a charging order. This is like securing the property against the debt. In which case, your interest in the property will be returned to you, but the legal charge over this it remains. The value of the charge is your percentage interest in the property. This sum must be paid from your share of the proceeds of sale of the property.</p>\n <p>If a Charging Order is placed on the property, you will benefit from rises in the property\'s value between that time and the time of the sale. </p>\n <p> If no Charging Order is in place, your percentage interest in the will continue to belong to the Trustee, including any rise in the property value. Therefore even if the home is sold some time after discharge from bankruptcy, the increase in value will not go to you.</p>\n <div id=\"IVAadvice\">\n <h2>Your Home and an IVA</h2>\n <p><strong>Can I do an IVA without affecting my Property/House ?</strong><br />In some circumstances your home may be excluded from the arrangement. However, if you have equity in your house, this will be taken into account when making an offer to creditors. You may have to release some of the equity in your property at some stage during the IVA.<br /><br /> Your creditors are only going to approve an IVA if they consider they will get more money back than via bankruptcy. If the equity in your property is more than your unsecured debts, then they could get it all back by bankrupting you, and forcing you to sell your home.\n<br /><br />How your homeowner status effects yout IVA propsal is complex and depends on many factors such as \n</p><ol><li>Your current mortgage repayments.</li>\n<li>How much of the property is yours in the case of joint ownership.</li>\n<li> The amount of equity in the property.</li>\n</ol>\nWe get more questions above homeowership and IVA than anything else, so please call us for free advice of how this may impact your decision to do an IVA.\n<br /><br /><strong>How much equity will I have to release from my property?</strong><br />There is no exact answer to this as it depends on personal circumstances. As a rule of thumb, equity is released such that increased mortgage payments once the IVA is completed are no higher than the IVA payments were. \n </div>\n \n <div id=\"BottomCalltoAction\">\n <h2>What To Do Next</h2>\n <p>If you are concerned about the prospect of losing your home in bankruptcy then <strong>CALL US</strong> or submit the<strong> INSTANT ADVICE </strong> form for<strong> Immediate Free Advice.</strong><strong></strong></p>\n <p>If you can avoid bankrupcy by doing an <a href=\"IVAProsCons \">IVA</a> instead, you have a better prospect of keeping your home.</p>\n </div>\n </div>\n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n \n \n \n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Lines Open 24 Hours</b></p>\n</div>\n\n \n\n</body>','Home Property','','inherit','closed','closed','','219-revision-v1','','','2017-08-24 12:30:43','2017-08-24 11:30:43','',219,'http://insolvency-service.co.uk/219-revision-v1',0,'revision','',0),(259,2,'2017-08-24 12:30:43','2017-08-24 11:30:43','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"\"></a></div><div id=\"logo\"><a href=\"\"></a></div><div id=\"phone\">Lines Open 24 Hours </div>\n</div>\n \n \n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n <h1>IVA Costs and Fees</h1>\n <p class=\"summary\">Most of the advertising for IVA\'s gives the impression that the IVA company provides a Free Service or that the fees charged are of no consequence to the debtor. <strong>This is very misleading. </strong></p>\n <p> It is true that creditors pay for the costs of an IVA. However, as our charges to the creditors are lower than most other IVA providers, we get IVA\'s approved that would otherwise get rejected. Therefore<strong> we can help even more people out of debt than most other IVA companies. </strong></p>\n <h2>Typical Fees Of Other IVA Providers </h2>\n <p>When proposing an IVA to your creditors, you\'re offering to pay back between 25p and 100p in the pound, normally over 5 years. This is called the dividend. </p>\n <p>The creditors receive this dividend, minus the IVA company\'s fee. Therefore it is true that the <strong>creditors bear the cost of an IVA</strong> by accepting these terms, however the charges levied by the IVA company is a factor in whether creditors accept or reject the proposal. </p>\n <p>The IVA fees charged to the creditor are in 2 parts.</p>\n <ul><li><strong>A Nominee\'s Fee </strong> - often £2500 +vat <br />\n This is the fee for setting up and proposing the IVA.</li>\n <li><strong>A Supervisor\'s Fee </strong> - often £1000 +vat per year.<br />\n This is the fee for supervising the IVA for the normal 5 year duration.</li>\n </ul><p>Therefore, many other IVA companies indirectly trouser almost £9000 (including vat) of your money should the IVA complete. </p>\n \n <h2>Our Low Fees</h2>\n <p>Our fees are considerable less than the industry normal. </p>\n <ul><li><strong>Our Nominee\'s Fee </strong><br />\n £750 +vat for debts under £15,000 <br />\n £1500 +vat for debts over £15,000 </li>\n <li><strong>Our Supervisor\'s Fee </strong><br />\n £50 +vat per month. </li>\n </ul><p>Therefore our fees are £3,750 +vat or £4,500 +vat, depending on the level of the debt. This is about 40% less than the majority of other IVA providers. </p>\n \n \n <h2>Our Minimum Level of Debt</h2>\n <p><strong>In law, there is no minimum level of debt for an IVA</strong>. <br />\n Due to the costs involved, there must be a minimum level of debt to allow a substantial repayment to the creditors.</p>\n <p>Many IVA companies will only propose an IVA for debts of over £20,000. However, often people owe more than they realise. Bearing this in mind, many IVA companies advertise their services for debts of £15,000, knowing that many people thinking they have debts of around £15,000 actually owe much more. Many such companies rarely accept cases for debts, actually of, £15,000. </p>\n <p>Due to our <strong>lower charges</strong>, we routinely have IVA\'s accepted for debts of around £15,000, and many for £10,000 - £12,000. We\'ve had <strong>IVA proposals accepted for debts of £8,000.</strong><br />\nIVA\'s for such low debt levels are for exceptional circumstances. For example, if the debtor has an job such that bankruptcy means instant dismissal, an IVA is better for debtor and the creditors. </p>\n \n \n <h2>Our Minimum Monthly Payments </h2>\n <p><strong>In law, there are no minimum monthly payments for an IVA.</strong> <br />\n Most IVA advertising refers to minimum payments of £200. Our lower charges mean more for the creditors, hence lower minimum payments - therefore we can get<strong> more people accepted onto an IVA</strong>. <br />\n We have many clients paying as little as £150 - £170 into their IVA\'s. A few pay as little as <strong>£140 per month</strong>, however, these are exceptional cases as per the example above. </p>\n \n \n <h2>No Up Front Payments </h2>\n <p><strong>We do not charge up front fees.<br /></strong>Many IVA companies charge up front payments from debtors to prepare an IVA proposal, typically £500. We <strong>consider this to be morally wrong </strong>as it often means more debt for the client. Some companies advise clients to borrow to fund this up-front the payment. Now, this is <strong>criminally wrong.</strong> This is incurring more debt when it is known that the client is insolvent and has no ability to, nor intention of paying it back.</p>\n \n \n \n <h2>How We Keep Our Fees Low</h2>\n <p> Many debt companies offer only IVAs and spend a fortune advertising this single service. As we offer the <strong>full range of debt solutions</strong>, we can help most people who contact us who can afford to pay at least £100 per month towards their debts. </p>\n <p>Due to our<strong> professional excellence</strong> and experienced,<strong> highly trained staff</strong>, we are able to operate very efficiently. All this helps keeps our costs down while offering the <strong>highest standard of service.</strong> \n </p>\n \n \n \n \n <h2>Our Excellent IVA Approval Rate</h2>\n <p> We boast a better than average IVA proposal approval rate of about 97%. The industry average is about 92%. As our fees are low, it is in essential for us to maintain this excellent record. We only have cases rejected when someone has been less than honest with us. For example, creditors find our about debt not included in the IVA proposal.</p>\n \n <div id=\"BottomCalltoAction\">\n <h2>What To Do Next</h2>\n <p>If you are experiencing debt problems and would like advice as to the best solution for your circumstances, then <strong>CALL US</strong> or submit the<strong> INSTANT ADVICE </strong> form for<strong> Immediate Free Advice.<br /></strong></p>\n </div>\n </div>\n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n \n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Lines Open 24 Hours</b></p>\n</div>\n\n \n</body>','IVA Fees Costs','','inherit','closed','closed','','220-revision-v1','','','2017-08-24 12:30:43','2017-08-24 11:30:43','',220,'http://insolvency-service.co.uk/220-revision-v1',0,'revision','',0),(260,2,'2017-08-24 12:30:44','2017-08-24 11:30:44','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"\"></a></div><div id=\"logo\"><a href=\"\"></a></div><div id=\"phone\">Lines Open 24 Hours </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n</div>\n \n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n <h1>IVA Advantages and Disadvantages</h1>\n <p class=\"summary\">IVA can be most suitable debt solution for many people, but there will always be advantages and disadvantage with respect other options. Here we explain the Pros and Cons between an IVA and Bankruptcy, Debt Consolidation Loans and Debt Management. </p>\n <h2>IVA Advantages over Bankruptcy </h2>\n <ul><li><strong>Creditors agree to write off the debt you can\'t afford to repay. </strong><br />\n This is to a maximum of 70% of the original debt, provided you maintain agreed repayments for 60 months. </li>\n <li><strong>An IVA in a private matter and is not advertised.</strong><br />\n However your name and address will appear on the Individual Insolvency Register. </li>\n <li><strong>You will not be subject to employment restrictions or lose your job</strong>.<br />\n This is unless there is a specific clause relating to IVA\'s in your employment contract. </li>\n <li><strong>You get to keep your home</strong>.<br />\n You may have to re mortgage to release equity in the final year of the IVA. In bankruptcy, you will loose your home if the equity held in it is needed to pay your debts. </li>\n <li><strong>All reasonable assets can be retained. </strong> </li>\n <li><strong>You may continue to run your own business<br /></strong>In bankruptcy, your business will be wound up and your employees dismissed.\n </li>\n <li><strong>You may continue to be a company director.</strong> </li>\n <li><strong>No question of rash or hazardous behaviour.<br /></strong>In bankruptcy, you may become subject to a <a href=\"Restriction-Orders \">Bankruptcy Restriction Order</a> if the Official Receiver considers you have been blameworthy and/or reckless in contributing to your bankruptcy.\n </li>\n <li><strong>No potential of judicial investigation into your finances. </strong> <br />\n In bankruptcy, the Official Receiver will investigate your financial affairs and report any irregularities to\n the courts. This could result in criminal proceedings. </li>\n <li><strong>Under certain circumstances an IVA can result in an existing bankruptcy being annulled. </strong>This is called a <a href=\"fast-track-ivas \">Fast Track IVA</a> </li>\n </ul><h2>IVA Disadvantages compared to Bankruptcy </h2>\n <ul><li><strong>You pay back more of your debt. </strong><br />\n This is an advantage for the creditors. The whole point of a IVA is to allow creditors to get back more of their money than they would via bankruptcy. In bankruptcy, you are only required to make payments from income for maximum of 3 years, often less. <br />\n With an IVA you agree to repay what you can afford each month for 5 years. </li>\n <li> <strong>You can still be made bankrupt.</strong>\n <p>If you fail to maintain the agreed IVA payments, your creditors may choose to start bankruptcy proceedings against you. This may leave you in a worse financial position than if you chose bankruptcy over an IVA in the first place.</p>\n </li>\n </ul><h2>IVA Advantages over a Debt Consolidation Loan </h2>\n <ul><li><strong>A portion of the debt can be written off with an IVA </strong><br /> \n With a consolidation loan, you may be reducing your monthly payments, but due to the longer terms of loan will be paying more than the original debt over the extended period of the loan. </li>\n <li><strong>Your are not putting your home at risk with an IVA <br /></strong>If you take out a secured loan on your property, your are increasing the risk of your home being repossessed if you fail to make repayments. <br /></li>\n <li><strong>Less room for negotiation later.</strong><br />\n If you consolidate your debts into one loan with one creditor, you will be in a weaker position to negotiate should you fall in to difficulties in the future.</li>\n </ul><h2>IVA Disadvantages compared to a Debt Consolidation Loan</h2>\n <ul><li><strong>No more unsecured credit.</strong><br />\n While on an IVA, you can\'t take any significant unsecured credit.</li>\n <li><strong>Negative effect on credit record.<br /></strong>An IVA will be recorded on your credit record for 6 years. This is the same as all adverse information. If you applied for a mortgage during this period, you would not be offered the cheapest deals and may be required to put down a larger deposit. <br /></li>\n </ul><h2>IVA Advantages over Debt Management </h2>\n <ul><li><strong>A portion of the debt can be written off with an IVA. </strong><br />\n On debt management the entire debt is repaid. </li>\n <li><strong>An IVA normally lasts more that 5 years. <br /></strong>A debt management programme for how ever long it take to clear the debt. <br /></li>\n </ul><h2>Debt Management advantages over an IVA. </h2>\n <ul><li><strong>A Debt Management programme can be for debts of just £2,000. <br /></strong>£15,000 is normally quoted as the minimum unsecured debt with at least <strong>3</strong> creditors for an IVA. Due to our <a href=\"IVA-Fees-Costs \">Lower Costs</a> than most other IVA companies, we routinely get IVA approved from less than £15,000.<br /></li>\n <li><strong>Minimum payment for debt management are £100 per month.<br /></strong>£200 per month is the usual minimum for an IVA. However due to our <a href=\"IVA-Fees-Costs \">Lower Costs</a> we have placed many clients on IVA who pay less than this. <strong><br /></strong></li>\n <li><strong>An IVA is a formal agreement, the terms of which can be awkward to alter should your circumstances change for the better or for the worse. </strong><br />\n Debt Management is an informal arrangement and is not legally binding for the debtor or creditor. Many companies not offering debt management solutions will point to this as a negative point. However, while creditors continue to received regular payments via debt management, they will not seek to change the arrangement. If your circumstances change, with debt management, it is easier to renegotiate payments to either higher or lower levels. If you think debt management may be the most appropriate solution for you, then call us for free advice as this is also a solution we offer. </li>\n </ul><div id=\"BottomCalltoAction\">\n <h2>What To Do Next</h2>\n <p>If you are experiencing debt problems and would like advice as to the best solution for your circumstances, then <strong>CALL US</strong> or submit the<strong> INSTANT ADVICE </strong> form for<strong> Immediate Free Advice.</strong> </p>\n <p>We will explain all of the above options and explored how suitable each is for your particular circumstances. </p>\n </div>\n </div>\n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n \n \n \n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Lines Open 24 Hours</b></p>\n</div>\n\n \n\n</body>','IVAProsCons','','inherit','closed','closed','','221-revision-v1','','','2017-08-24 12:30:44','2017-08-24 11:30:44','',221,'http://insolvency-service.co.uk/221-revision-v1',0,'revision','',0),(261,2,'2017-08-24 12:30:44','2017-08-24 11:30:44','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"/\"></a></div><div id=\"logo\"><a href=\"/\"></a></div><div id=\"phone\">Open Today - <strong>8am until 9pm</strong> </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n \n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n <h1>Official Receiver & Trustee in Bankruptcy </h1>\n <p class=\"summary\">An explanation of the roles of the Official Receiver & Trustee in administering a bankruptcy order.</p>\n <h2>The Role of the Official Receiver.</h2>\n <p>Official Receivers are civil servants within the Governments\' Insolvency Service. Upon making a bankruptcy order, the court appoints an Official Receiver who is primarily responsible for:-</p>\n <ul><li>Investigating your financial affairs and conduct and reporting this to the court. Any evidence of irregularity or criminal activity will be reported. </li>\n <li>Obtaining control of your property and assets of worth.</li>\n </ul><p>You are required to fully co-operate with the Official Receiver. Failure to do so can have severe consequences ranging from a delay in bankruptcy discharge to a recommendation for a full criminal investigation of your affairs.</p>\n <p>The Officer Receiver will require you to complete a questionnaire similar to the \"Statement of Affairs\" that you would have already completed if you had petitioned for your own bankruptcy. </p>\n <p>The Official Receiver contacts all your creditors, inviting them to prove any claim for a debt held against you. </p>\n <p>The Officer Receiver (or an member of their staff) will interview you by phone. You will required to attend for interview in person at the Officer Receiver\'s office in the case where:</p>\n <ul><li>You have petitioned your own bankruptcy.</li>\n <li>You have been made bankruptcy before.</li>\n <li>You have recently been trading in business.</li>\n </ul><p>The Official Receiver has a wide range of powers and can, where appropriate arrange for:</p>\n <ul><li>Your mail to be redirected to their office. </li>\n <li>A court order for seizure of your passport.</li>\n </ul><p>The Official Receiver registers the bankruptcy with the Land Registry and advertises it in:- </p>\n <ul><li><strong>The London Gazette</strong><br />\n The London, Edinburgh, and Belfast Gazettes are the official newspapers of record in the United Kingdom. Several legal notices, including insolvency notices, are required by law to be published here. </li>\n <li><strong>One Local Newspaper</strong></li>\n </ul><p>The Official Receiver also arranges for your bank account(s) to frozen.</p>\n <p>Within 12 weeks of the bankruptcy order, the Official Receiver can arrange for a meeting of the creditors in order to appoint a <strong>Trustee</strong>. The appointed Trustee is normally a licensed Insolvency Practitioner. If no Trustee is appointed, then the Official Receiver becomes the Trustee.</p>\n <h2>The Role of the Trustee</h2>\n <p>When the Trustee is appointed, or the Official Receiver becomes the Trustee, all your assets vest into the control of the Trustee.</p>\n <p>The Trustee is primarily responsible for:-</p>\n <ul><li>Disposing of your property, ensuring a fair price is obtained for the benefit of paying your creditors. </li>\n <li>Ensuring the proceeds your sale of your assets is shared out fairly amongst your creditors. </li>\n </ul></div>\n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n </div>\n \n \n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Open Today - <strong>8am until 9pm</strong></b></p>\n</div>\n\n \n \n</body>','Official Receiver Trustee','','inherit','closed','closed','','222-revision-v1','','','2017-08-24 12:30:44','2017-08-24 11:30:44','',222,'http://insolvency-service.co.uk/222-revision-v1',0,'revision','',0),(262,2,'2017-08-24 12:30:44','2017-08-24 11:30:44','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"/\"></a></div><div id=\"logo\"><a href=\"/\"></a></div><div id=\"phone\">Lines Open 24 Hours </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n <h1>Payments from income during Bankruptcy</h1>\n <p class=\"summary\">You may be required to make payments from your income towards your debts for up to 36 months. This depends on the surplus money you have after you have met your essential living expenses.</p>\n <p>If you have at least £100 over each month after you have paid for all your essential living expenses, the Trustee may claim monthly or weeks payment towards the bankruptcy.</p>\n <p>You can use this <a href=\"http://www. betterbanking.org.uk/debt-calculator.php\" target=\"_blank\">income/Outgoing calculator</a> for a guide as to what can be included as expenses needed for basic domestic living. </p>\n <p>You will be assessed as to how much of this surplus income you are require to pay, which is normally between 50% and 70%. Generally, single people without dependants and those with greater surplus income are assessed towards the higher end of this range.</p>\n <p>If your main or only income is state benefits or a state pension, then it is unlikely you will be required to make payments. </p>\n <p>The Trustee claims the surplus income by means of a IPA or IPO. </p>\n <h2><strong> Income Payments Agreement (IPA)</strong></h2>\n <p>An <strong>IPA </strong> is a written agreement between the Trustee and the bankrupt. It is a binding agreement that states the bankrupt, or a third party, will make payments towards the bankruptcy for a specified period. </p>\n <h2><strong>Income Payments Order (IPO)</strong></h2>\n <p>An <strong>IPO</strong> may be sought through the court if a bankrupt won\'t agree to a proposed <strong>IPA</strong>. If necessary, the court can arrange for an attachment of earning order to take the money directly from your employer or get benefits stopped. </p>\n <p>IPO\'s/IPA\'s can last for up to 36 months which can <strong>continue after discharge from bankruptcy</strong>.</p>\n <p>You may be required to make payments from any income, including pensions, towards your bankruptcy. </p>\n <h3>Missed IPA/IPO payments.</h3>\n <p>If you miss a payment, you will be required to provide an explanation and arrange for arrears to be paid. If the problem is longer term, for example due to a drop in income or a necessary regular expense, the Trustee can reassess the situation.</p>\n <p>The Trustee may decide that an IPA/ IPO is no longer appropriate and you are therefore no longer be required to make payments. However if this happens you must inform the Trustee if your surplus income rises again before the end of the IPA/IPO. The IPA/IPO will end on the original date despite agreed reduced or suspension of payments. <br /><br />\n If you miss payments, and do not contact your Trustee about any difficulties, the Trustee may apply to the court for an order suspending your discharge from bankruptcy. The Trustee can also take steps to recover the money you owe, including <strong>another bankruptcy order.</strong> </p>\n <p>If you fail to make payments under an IPO, you are <strong>in contempt of court</strong> and the court may punish you accordingly. </p>\n </div>\n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n </div>\n \n \n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Lines Open 24 Hours</b></p>\n</div>\n\n \n\n</body>','Payments From Income','','inherit','closed','closed','','223-revision-v1','','','2017-08-24 12:30:44','2017-08-24 11:30:44','',223,'http://insolvency-service.co.uk/223-revision-v1',0,'revision','',0),(263,2,'2017-08-24 12:30:44','2017-08-24 11:30:44','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"/\"></a></div><div id=\"logo\"><a href=\"/\"></a></div><div id=\"phone\">Lines Open 24 Hours </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n \n \n <h1>Bankruptcy and Pensions</h1>\n <p class=\"summary\"><span class=\"nomargin\">In bankruptcy, you may lose some of your pension capital and have to make payments from pension income towards your debts. </span></p>\n \n <p>There are four types of pension you may have already or could receive in the future:</p>\n <ul><li><strong>State Pension</strong></li>\n <li><strong>Occupational Pension</strong><br />\n - Contributions may have been made by the employer, the employee, or both. </li>\n <li><strong>Personal Pension</strong>.</li>\n <li><strong>Group Personal Pension</strong> - Payments are made to a pension provider, often on favourable terms negotiated by a employer/ trade association or union. In bankruptcy these are treated in the same way as other personal pensions. </li>\n </ul><h2>Will I loose some of my pension? </h2>\n <p> State pensions or any payments from the State Second Pension (S2P) scheme are never impacted by Bankruptcy proceedings. </p>\n <p>The <strong><a href=\"http://www.opsi.gov.uk/ACTS/acts1999/90030--c.htm#11\" target=\"_blank\">Welfare Reform and Pensions Act 1999</a></strong> states that where a bankruptcy order was made on a bankruptcy petition which was presented on or after 29th May 2000, all pension schemes (Occupational or Private) which have been approved by HM Revenue and Customs do not form part of a bankrupt\'s estate and therefore cannot be claimed by the Trustee in bankruptcy. <strong><br />\n This refers to the pension as an asset, not income from the pension. </strong></p>\n <p><strong>Approved pension schemes defined as: </strong></p>\n <ul><li>Those registered under <strong><a href=\"http://www.opsi.gov.uk/ACTS/acts2004/40012--p.htm\" target=\"_blank\">section 153 of the Finance Act 2004</a> </strong>(meaning, schemes registered by HM Revenue and Customs plus annuity contracts used to secure benefits under a registered pension scheme which do not provide for immediate payment of benefits) </li>\n <li> Retirement annuity contracts. </li>\n <li>Those approved by the HM Revenue and Customs for tax purposes; </li>\n <li>Stakeholder pensions. </li>\n </ul><p><strong>Unapproved pension schemes</strong><br />\n Unapproved pension scheme can possibly be excluded from a bankruptcy estate by applying to court for an exclusion order or by making a qualifying agreement with the Official Receiver.</p>\n <p><strong>Pensions included in a Bankruptcy estate.</strong><br />\n When a pension policy is included in a bankruptcy estate, the official receiver can claim the lump sum and the regular payments. This can also be after discharge from bankruptcy. It may be possible to buy back part or all of the pension policy at a later time. </p>\n <h2>Income from Pensions during Bankruptcy</h2>\n <p>If you receive a regular income from a pension and/or a lump sum during bankruptcy, then this may be subject to an income payment order or income payment agreement. </p>\n <p>You may apply to the court to for an <strong>exclusion order</strong> or make an <strong>qualifying agreement</strong> with the Trustee that this should be excluded. As in the case of unapproved pension schemes, your current and future needs and that of your family/dependants are considered. </p>\n <p>The qualifying agreement can be revoked by the Trustee if you are found to fail to disclose relevant details that would have altered the decision made on the agreement.</p>\n <p>You make apply to the court for an exclusion order:-</p>\n <ul><li>Within 13 weeks of the appointment of the Trustee<br />\n OR</li>\n <li>within 30 day of the revoke of a qualifying agreement.</li>\n </ul><div id=\"IVAadvice\">\n <h2>IVAs & Your Pension. </h2>\n \n <p>The asset that is your personal pension is not at risk on an IVA. However, you may be required to reduce or suspend payments into it for the duration of the IVA with the intention of using this money towards the IVA.<br /><br />Income received from either a state or other pension schemes are considered as income when calculating how much you can afford to pay into an IVA.\n<br /><br />If you have made excessive contributes into a personal pension plan, just before applying for personal involvency, which is what an IVA is, then this may be considered to be an attempt to hide money from your creditors. In the case of bankruptcy, this transaction could be reversed by court order and the money taken to paid towards your debts. Your creditors would require the same in order to approve the IVA propsal, after all an IVA is intended to produce more for the creditors than bankruptcy. </p>\n </div>\n \n </div>\n \n \n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n </div>\n \n \n \n \n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Lines Open 24 Hours</b></p>\n</div>\n\n \n \n</body>','Pensions','','inherit','closed','closed','','224-revision-v1','','','2017-08-24 12:30:44','2017-08-24 11:30:44','',224,'http://insolvency-service.co.uk/224-revision-v1',0,'revision','',0),(264,2,'2017-08-24 12:30:44','2017-08-24 11:30:44','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"/\"></a></div><div id=\"logo\"><a href=\"/\"></a></div><div id=\"phone\">Open Today - <strong>8am until 9pm</strong> </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n \n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n <h1>Bankruptcy Petition</h1>\n <p class=\"summary\">How does someone become bankrupt? Under UK Bankruptcy law, there are 3 ways. </p>\n <p>The 3 routes to Bankruptcy.</p>\n <ul><li>Creditor application to the court (Creditor Petition).</li>\n <li>Debtor application to the court, ie applying for your own bankruptcy (Debtor Petition).</li>\n <li>IVA Supervisor application to the court in the case where the debtor has defaulted on the IVA and alternative arrangement can\'t be agreed. </li>\n </ul><h2>Debtor\'s Petition.</h2>\n <p>Petitioning one\'s own bankruptcy requires the debtor to complete a bankruptcy petition form (called form 6.27) and a statement of affairs form (called form 6.28). </p>\n <h3>Advice on Completing Statement of Affairs form. </h3>\n <p>The Statement of Affairs form requires detailed information, including valuation of assets which may not be know without seeking professional help. Information here is in addition the <a href=\"http://www.insolvency.gov.uk/pdfs/forms/debtorsguidance.pdf\" target=\"_blank\">Official Statement of Affairs Guidance Leaflet</a> as provided by the Insolvency Service. </p>\n <ul><li>Q1.14 does not required details of informal negotiation attempts with creditors.<br />\n Q1.15 requires details of impeding court action, including magistrate courts.</li>\n <li>Section is only relevant to those self employed at some point in the past 2 years.</li>\n <li>Section 3 is about value of assets. Approximate values only should be given, based on sale at auction, not what they we cost to replace from new.</li>\n <li>Section 5 asks for details of past and present bank accounts. Any money in these accounts should be withdrawn prior to the bankruptcy application. These accounts will be frozen and provisions need to be made to allow for payment essential living expenses.</li>\n <li>Section 6 is about employment and income. Include only regular income and that of other household members as this impacts how much is needed to maintain basic domestic needs. Include all state benefits entering the household, even though the claimant is not the person petitioning for bankruptcy. </li>\n <li>Section 7 includes a standard list of household and personal outgoings. Details of all outgoings should be detailed in addition to the standard list.</li>\n <li>Section 8 concerns property. Those applying for bankruptcy should be aware that in the case of owner-occupation, where the property is solely in spouses name, then the applicant may have a claim on part of the property, therefore this will be considered as an asset in the bankruptcy. Specific professional advice should be sort on this matter. </li>\n <li>Section 9 concerns property sold in the past 5 years. If it is considered that the asset was disposed of a less than its true value, the Trustee has the option to reverse the transaction. </li>\n <li>Section 10 covers details of dependant children, spouse/partner and other household members. This is to be taken into account by the Trustee when deciding value of income payment orders (payments from income the bankrupt is required to pay until discharge from bankruptcy.</li>\n <li>Section 11 covers reasons for bankruptcy. Details of when difficulties when first experience and the root cause the the problems are required. Extreme care must to taken in completing this section as instrumentation of the facts may leads to an Bankruptcy Restriction Order.</li>\n </ul><p>For residents of England and Wales, both forms are to be completed and presented to the most local court with bankruptcy jurisdiction. For those not living or domiciled in England or Wales, the forms are to be presented to the High Court in London.</p>\n <p>Court fees of £150 and a deposit of £325 must be paid by the debtor at this point. Court fees can be waived when the debtor in on benefits and total income does not exceed £15,050 per year. Also, the fee can be waived if undue financial hardship can be proven. Fee wavier is by application via form ex160.</p>\n <p>Depending on local practices a hearing may be immediate, later same day or by appointment at a later date.</p>\n <p>The Court may refer the case to an Insolvency Practioner in the case where the possibility of an IVA being be more appropriate course of action needs consideration.</p>\n <h2>Creditor\'s Petition. </h2>\n <p>For a bankruptcy petition to be presented to the court, 3 conditions must be satisfied.</p>\n <ol><li>The debtor must be domiciled or resident in England/Wales or be active in business in England or Wales, on the date of the petition, or at any time in the previous 3 years.</li>\n <li>The debt must be at least £750 to the creditor petitioning for bankruptcy. </li>\n <li>The debtor must have not realistic ability to repay the debt, or refusing to pay the debt. This is proven by the debt being served with a <a href=\"Statutory-Demand \">statutory demand</a>, which has not been set aside or complied to.</li>\n </ol><h3>The 4 types of Creditor Petition. </h3>\n \n <ol><li>Failure to comply with a statutory demand, debts payment currently due/overdue.<br /></li>\n <li>Failure to comply with a statutory demand, debts payment due in the future. <br /></li>\n <li>A court order execution returns unsatisfied. (eg bailiffs were not able to seize items of value)<br /></li>\n <li>Default in connection with an IVA.<br /></li>\n </ol><p>2 or more creditors may jointly petition.</p>\n <p>Secured creditors may petition for the part of the debt this is not secured, or risk forfeiting their security.</p>\n <p>The creditor\'s petition must state: </p>\n <ul><li>The amount owed, and if interest is owed how it has been calculated and the justification for this. </li>\n <li>That the debt is for a liquidated sum payable now or at a specified future date and that the debtors has no realistic chance of making payment on time.</li>\n <li>That the debt is unsecured.</li>\n </ul><p>If the petition is based upon a Statutory demand, then only that debt, plus interest accrued since the date of the demand was issued can be included.</p>\n <p>If the petition is based upon an unsatisfied execution of a previous court order, then full details must be given including the value of any sum rasied by the Court\'s sheriffs or Bailiffs. It is not enough the bailiffs visited the a property and were unable to gain access, they would have to had been refused access. </p>\n <h2>IVA Supervisors\' Petition.</h2>\n <p>If you are currently within an IVA, your supervisor may petition the for your bankruptcy on the grounds that:</p>\n <ul><li>You supplied false of misleading information on which the arrangement is based. </li>\n <li>You have failed to maintain the terms to the arrangement.</li>\n </ul><p>In this case, the IVA Supervisors can become the Trustee in the bankruptcy. </p>\n <h2>Issue of the Bankruptcy Petition</h2>\n <p>A Bankruptcy Petition must be served in person. A Bankruptcy order may still be prevented but you must give at least 7 days notice of your intention to oppose it. You may not use any reason for which a ruling has already been made against, unless there has been a change in circumstances.</p>\n <div id=\"BottomCalltoAction\">\n <h2>What To Do Next</h2>\n <p>If you are consider petitioning for you own bankruptcy, the <strong>you must</strong> also consider whether a IVA is a better alternative for your circumstances. This is especially the case if you own your home or have other high value assets to want to keep.</p>\n <p><strong>CALL US</strong> or submit the<strong> INSTANT ADVICE </strong> form for<strong> Immediate Free Advice.</strong></p>\n </div>\n </div>\n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n </div>\n \n \n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Open Today - <strong>8am until 9pm</strong></b></p>\n</div>\n\n \n \n</body>','Petition','','inherit','closed','closed','','225-revision-v1','','','2017-08-24 12:30:44','2017-08-24 11:30:44','',225,'http://insolvency-service.co.uk/225-revision-v1',0,'revision','',0),(265,2,'2017-08-24 12:30:44','2017-08-24 11:30:44','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"/\"></a></div><div id=\"logo\"><a href=\"/\"></a></div><div id=\"phone\">Lines Open 24 Hours </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n \n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n <h1>Bankruptcy Advantages and Disadvantages</h1>\n <p class=\"summary\">Bankruptcy is a certain process, it will free your debts with creditors, but you must consider all the consequences very seriously. </p>\n <p>By advantages and disadvantages, we mean compared to coming to an agreement with your creditors whereby bankruptcy is avoided. </p>\n <h2>Bankruptcy Advantages </h2>\n <h3>The outcome is certain - </h3>\n <p>You will be free from all of the following debts:- </p>\n <ul><li>Unsecured Loans.</li>\n <li>Tax and Vat Bills. </li>\n <li>Credit Cards and store cards.</li>\n <li>Catalogue accounts. </li>\n <li>Any unpaid bills.</li>\n <li>Debt subect to County Court Judgements. </li>\n </ul><h3>Stress can be reduced.</h3>\n <p>We are not suggesting bankruptcy is without stress, however negotiating with many creditor at the same time can be worse. Many people feel a burden is lifted when the bankruptcy Trustee takes control of their finances. </p>\n <h3>You pay back less.</h3>\n <p>If you are made bankrupt, you may be required to make contributions from income for no more than 3 years. If an <strong>informal arrangement</strong> is agreed, (as in debt management) then the debts are repaid in full. In he case of a <strong>formal arrangement</strong>, (as in an IVA) you are normally required to make payments from income for 5 years and in applicable, remortgage your home to free up equity in the final year of the agreement.</p>\n <h3>Stops creditors chasing payment.</h3>\n <p>All creditors are bound by and must accept the Bankruptcy order, not just the one (or ones) petitioning for the bankruptcy. Whether they agree with it or not all unsecured debts are written off after bankruptcy discharge. <br /></p>\n <h2>Bankruptcy Disadvantages</h2>\n <h3> Loss of all assets of worth.</h3>\n <p>You will almost certainly lose all your assets of value that can be sold off. Some items are exempt, for example, equipment needed for work and basic domestic needs. You may have to accept exchange for items of lower value, eg trading in the new BMW for a more modest car.</p>\n <h3>Potential loss of your home. </h3>\n <p>If there is equity in your home, then your share of it is claimed as part of the bankruptcy. This may lead to the house being sold if you can\'t arrange from someone to buy out your share. Even if the house is in your spouses/partner name, the bankruptcy Trustee may be able to claim it. Typically 50% of equity in the family home is available to the Trustee Read more at <a href=\"Home-Property \">Your Home & Bankruptcy</a>.</p>\n <h3>Potential loss of future assets. </h3>\n <p>Any assets gained during bankruptcy has the potential to can be claimed by the Trustee. This included windfalls in general and anything bequested in a will. Something of little value at the time of the bankruptcy order, but rising in value may also be seized by the Trustee. </p>\n <h3>Does not help mortgage arrears.</h3>\n <p>If you have mortgage arrears, your home may still be repossessed by your mortgage lender. </p>\n <h3>Does not help rent arrears.</h3>\n <p>A landlord can still be able to enforce a court order for none payment of rents. Also, becoming bankrupt may violate the terms of a tenancy agreement.</p>\n <h3>Process can be expensive. </h3>\n <p>If you are subject to an bankruptcy order and seek to preserve an asset, for example a property, by settling the debts at this time, then you are likely to be charged the costs involved in the bankruptcy. </p>\n <h3>Closure or sale of business</h3>\n <p>If you run your own business and it is of value, it will be sold. Otherwise it will be shut down and all employees dismissed. This does not apply in the case of a self employed sole trader. </p>\n <h3>Investigation of personal finances. </h3>\n <p>You personal finances and your conduct in relation to them will be investigated by public officials. Becoming bankruptcy is not a crime, but if evidence of fraudulent for irregular activities are found, criminal proceedings may follow. </p>\n <h3>Effect on credit after bankruptcy </h3>\n <p> Your credit rating will continue to be adversely effected after bankruptcy discharge, disenfranchising you from financial products and services. You must declare you are a discharged bankrupt when applying for a mortgage at any time in the future. You may find it difficult to obtain a mortgage, especially at the most completive rates offered to other consumers. Discharged bankrupts may have problems opening the most basic of bank accounts. </p>\n <p>Utility providers may require pre-payment for services. </p>\n <h3>Restrictions whilst bankrupt </h3>\n <p>While serving bankruptcy, there are restrictions on your financial activities and you will be barred from practicing some professions, hence you may loose your job. You may not be the director of a limited company. For more details see <a href=\"Restrictions \">Bankruptcy Restrictions.</a> </p>\n <h3> Bankruptcy Restriction Orders (BRO)</h3>\n <p>If the Trustee considers you to be blameworthy, reckless or dishonest in your financial affairs and this contributed to your bankruptcy, a <a href=\"Restriction-Orders \">Bankruptcy Restriction Order</a> can be made against you. This prolongs restrictions on your activities. </p>\n <h3>Immigration Status </h3>\n <p>Your immigration status my be affected. If you think this my impact you, seek specialist advice.</p>\n <h3>Not all debts are written off </h3>\n <p>All debts to creditors are (normally) written off in bankruptcy and some not relating to borrowing, however some debt will survive bankruptcy see <a href=\"Debts-not-included \">Debts not included in bankruptcy</a> for details. </p>\n <div id=\"BottomCalltoAction\">\n <h2>What To Do Next</h2>\n <p>If you are considering Bankruptcy, but would like some information specific to your circumstances, then <strong>CALL US </strong>or submit the<strong> INSTANT ADVICE </strong> form. </p>\n <p>We will explain how bankruptcy would impact you and explore other options, such as an IVA or Debt Management, offering an impartial expert opinion as to your most appropriate course of action. </p>\n </div>\n </div>\n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n </div>\n \n \n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Lines Open 24 Hours</b></p>\n</div>\n\n \n\n</body>','ProsAndCons','','inherit','closed','closed','','226-revision-v1','','','2017-08-24 12:30:44','2017-08-24 11:30:44','',226,'http://insolvency-service.co.uk/226-revision-v1',0,'revision','',0),(266,2,'2017-08-24 12:30:45','2017-08-24 11:30:45','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"/\"></a></div><div id=\"logo\"><a href=\"/\"></a></div><div id=\"phone\">Open 24 hours on Sundays - Call Now </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n <h1>Bankruptcy Restrictions Order </h1>\n <p class=\"summary\">If the Official Receiver considers you have been blameworthy and/or reckless in contributing to your bankruptcy, or are attempting to hide assets, an application to the court for a Bankruptcy Restriction order can be made. </p>\n <p> The most common reasons for a <strong>bankruptcy restriction order</strong> are:-</p>\n <ul><li> <strong>Incurring a debt with no reasonable expectation of being able to pay</strong>. <br />\n This includes increasing debt on credit cards. </li>\n <li><strong>Gambling or unreasonable extravagance which contributed to the bankruptcy.</strong></li>\n <li><strong>Entering into a <a href=\"#transactionundervalue\">transaction at an undervalue</a>.</strong><br />\n This means giving away items, or selling them at less than their true value. It is a myth that your can give away your possessions just before bankruptcy in an attempt to exclude them. Any transaction can be reversed upon court order.</li>\n <li><strong>Failing to account satisfactorily for a loss of property to meet debts.</strong><br />\n If you sell a property up to 2 years before the bankruptcy order, you must be able to account for the monies.</li>\n <li><strong>Entering into a preference. </strong><br />\n Making payments to some creditors in preference to others. You are not allowed to repay debts to friends / family members, while ignoring debts to other lenders. </li>\n <li><strong>Fraud or fraudulent breach of trust. <br /></strong>This usually refers debts resulting from stolen money from an employer etc and can also lead to a prison sentence. </li>\n </ul><p>Other reasons for a Bankruptcy Restriction Order are:-</p>\n <ul><li>Making excessive pension contributions.</li>\n <li>Failing to supply goods that have been either completely or partly paid for, which gave rise to a claim provable in the bankruptcy.</li>\n <li>Neglecting business affairs which either were the cause of the bankruptcy, or made the extent of the bankruptcy worse. </li>\n <li>Being been made bankrupt on a separate occasion in the past 6 years. </li>\n <li>General lack of co-operation with the Official Receiver.</li>\n </ul><h2>Transactions at under value<a name=\"transactionundervalue\" id=\"transactionundervalue\"></a></h2>\n <p>If before bankruptcy, you sell your interest in any asset to anyone for less than its true worth, the Trustee may apply to the court for an order to reverse the sale. This can be considered \'unfit behaviour\' and may result in a <a href=\"Restriction-Orders \">bankruptcy restriction order</a>.</p>\n <p>This can apply to any asset, even if it was innocently given as a Christmas present to a spouse. </p>\n <p>In short, you just can not give stuff away in the hope this hides it from your creditors and excludes it from the bankruptcy. </p>\n <p>The Trustee can apply to the court to have the transaction reverse if either of the following are true. </p>\n <ul><li>The transaction was performed up to 5 years before the bankruptcy, <strong>and</strong> you were insolvent at the time.</li>\n <li>The transaction was performed up to 2 years before bankruptcy. </li>\n </ul><h2>Bankruptcy Restriction Undertaking</h2>\n <p>A Bankruptcy Restriction Undertaking (BRU) is like a BRO, but is an agreement with the Trustee without involving the court. A BRU comes about when you accept the allegations made by the Trustee about your conduct. Due to the \'guilty plea\', the duration of the BRU is often shorter than if it were a court imposed BRO. </p>\n <h2>Effects of a BRO/BRU. </h2>\n <p>A Bankruptcy Restriction Order or Undertaking lasts for between 2 and 15 years.</p>\n <p>A BRO extends <a href=\"Restrictions \">normal bankruptcy restrictions</a> by the length of the order. Additionally, someone subject to a BRO may not:</p>\n <ul><li>Be an Member of Parliament, National assembly or take up their seat in the House of Lords</li>\n <li>Purchase their council home.</li>\n <li>Be or act as a School Governor.</li>\n </ul><p>Breech of the any bankruptcy restrictions is an offense and can lead to criminal proceedings.</p>\n <h2>Bankruptcy Restriction Order are Public Record </h2>\n <p>See <a href=\"http://www.insolvency-service.co.uk/ddirector/viewbrobrudetailslatest.asp\">latest <strong>bankruptcy restriction order</strong>s </a>- These are real cases displayed on the Government\'s Insolvency Service website. </p>\n \n <div id=\"BottomCalltoAction\">\n <h2>What To Do Next</h2>\n <p>If you are considering Bankruptcy, but are worried you may be subject to a<strong> Bankruptcy Restriction Order </strong>, then <strong>CALL US</strong> or submit the<strong> INSTANT ADVICE </strong> form for<strong> Immediate Free Advice.</strong></p>\n <p>It is possible an IVA could save your from wrath of your Creditors, the Official Receiver and from a full judicial enquiry into your finances. </p>\n </div>\n </div>\n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n </div>\n \n \n \n \n \n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Open 24 hours on Sundays - Call Now</b></p>\n</div>\n\n \n\n</body>','Restriction Orders','','inherit','closed','closed','','227-revision-v1','','','2017-08-24 12:30:45','2017-08-24 11:30:45','',227,'http://insolvency-service.co.uk/227-revision-v1',0,'revision','',0),(267,2,'2017-08-24 12:30:45','2017-08-24 11:30:45','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"/\"></a></div><div id=\"logo\"><a href=\"/\"></a></div><div id=\"phone\">Lines Open 24 Hours </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n <h1>Personal Restrictions in Bankruptcy </h1>\n <p class=\"summary\">An undischarged bankrupt will find they are under financial restrictions and depending upon profession, may loose their job. </p>\n <p>An undischarged bankrupt is subject to the following restrictions:-</p>\n <ul><li>You may not obtain credit of £500 or more in total, without disclosing your bankrupt status. This includes ordering goods on credit. </li>\n <li>If you are a sole trader, you may trade under a new trading name, but you must advise those you come into contact with in your business dealings of your bankruptcy status. </li>\n <li>Industry professional rules make it more or less impossible for a bankrupt to practice as a <strong>Solicitor</strong> or<strong> Accountant.</strong></li>\n <li>You may not practice as an <strong>Insolvency Practitioner </strong></li>\n <li>You are not permitted to join the <strong>Police</strong> or <strong>Armed Forces</strong> while Bankrupt. \n There are implications for those in certain roles who become bankrupt whist already serving in Police/Armed Forces. <strong></strong></li>\n <li>You are not allowed to act as a <strong>Charity Trustee </strong> unless you are a director of that charity and have the court\'s permission to continue your role.</li>\n <li>You may not be, or act as the director of a limited company, or be directly or indirectly involved in the formation, running and management of a limited company. </li>\n </ul><p>Becoming bankrupt is not a criminal offense, however breaching any of the above restrictions is, and may lead to criminal proceedings.</p>\n <p>Your employer or any potential employee may be unwilling to employee someone in a role of responsibility involving finance or the handling of money.</p>\n <h2>Bankruptcy Restriction Orders (BRO)</h2>\n <p>If the Trustee considers you to be blameworthy, reckless or dishonest in your financial affairs and this contributed to your bankruptcy, a <a href=\"Restriction-Orders \">Bankruptcy Restriction Order</a> can be made against you. This prolongs the above restrictions and adds further restrictions to your activities. </p>\n </div>\n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n </div>\n \n \n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Lines Open 24 Hours</b></p>\n</div>\n\n \n\n</body>','Restrictions','','inherit','closed','closed','','228-revision-v1','','','2017-08-24 12:30:45','2017-08-24 11:30:45','',228,'http://insolvency-service.co.uk/228-revision-v1',0,'revision','',0),(268,2,'2017-08-24 12:30:45','2017-08-24 11:30:45','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"\"></a></div><div id=\"logo\"><a href=\"\"></a></div><div id=\"phone\">Lines Open 24 Hours </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n \n \n <h1> SIVA (or Simple IVA)</h1>\n <p class=\"summary\">The SIVA (or Simple IVA) is soon to replace the IVA as the Government looks to update the Insolvency Act 1986 to cater for the rising number of non-business related insolvencies. </p>\n \n <p>When IVA\'s were introduced as part of the Insolvency Act 1986, it was intended they would serve as an alternative to bankruptcy for those with business debts.</p>\n<p>Record levels of consumer debt and the heavy marketing of IVA\'s has resulted in a most IVA\'s being undertaken by non-business people. Therefore the government has started looking into improvements to make the IVA process more suited to the majority of people affected by it. </p>\n<p>It is expected the current IVA system will remain for business debtors, but a two-tier system will be introduced for non-business debtors.</p>\n<p>This two-tier system will be known as the Simple IVA (SIVA) with the tiers being divided according to level of debt. </p>\n<h2>SIVA 1</h2>\n<p>For debts under £25,000. Like the present IVA, success of an proposal depends on a 75% majority of creditors, by value of the debt, voting in favour.</p>\n<h2>SIVA 2</h2>\n<p>For Debts between £25,000 and £75,000. Success of an proposal depends on a 51% majority by value of the debt, voting in favour.</p>\n<h2>Introduction date for SIVAs</h2>\n<p>It is expected Simple IVA will be introduced some time in 2008, however exactly how they will operate will still not fully know.</p>\n<p>This information last updated, June 2007. </p>\n </div>\n \n \n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n </div>\n \n \n \n \n \n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Lines Open 24 Hours</b></p>\n</div>\n\n \n \n</body>','SIVA','','inherit','closed','closed','','229-revision-v1','','','2017-08-24 12:30:45','2017-08-24 11:30:45','',229,'http://insolvency-service.co.uk/229-revision-v1',0,'revision','',0),(269,2,'2017-08-24 12:30:45','2017-08-24 11:30:45','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"/\"></a></div><div id=\"logo\"><a href=\"/\"></a></div><div id=\"phone\">Lines Open 24 Hours </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n \n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n <h1>Statutory Demands - Free Help and Advice</h1><p class=\"summary\">A Statutory Demand is a formal document which can be issued to a debtor who has loan repayment arrears. This is the first step of the legal process a creditor may use to obtain a court order to get you to repay your debt.</p><p>If you do not repay your debts on time, your creditor may use the power of the courts to get you to settle the debt or start making reasonable payments. </p>\n<p>A creditor has the option to try to bankrupt you, with a <strong>statutory demand </strong>being the first step of that process.</p>\n<p>A Statutory Demand requires you to settle the outstanding debt by either:-</p>\n<ul><li>Pay monthly/weekly payments </li>\n<li>A lump sum </li>\n<li>Secure it against a property or other assets. </li></ul><p>Within 18 days is receiving a Statuary Demand, you may apply to your local County Court to set it aside under the following circumstances: </p>\n<ul><li>The amount of money owed is in dispute </li>\n<li> The debt is not payable now.</li>\n<li>You are perpared to secure the debt to the creditors satisfaction under the creditors stated terms.</li>\n<li>The amount owed is less than £750. </li>\n<li>The statutory demand has been issued in error or does not comply with rules.</li>\n<li>You can and are about to repay the debt. </li>\n<li>You have a counterclaim of more than the money owed.</li></ul><p>Ignoring or Failing to comply to a Statutory Demand entitles the creditor to present a petition for bankruptcy 21 days from the date of issue.</p>\n<p>Some companies use statutory demands as a scare tactic. They know that when someone is unable to repay a debt, they generally have more than one debt, and that whomever shouts loudest tends to get paid first. However, you should always take a <strong>Statutory Demand</strong> seriously. </p>\n<div id=\"donext\">\n <h2>What To Do Next</h2>\n <p> If you have received a <b>Statutory Demand</b>, or have been threatened with one, then please <strong>call us for FREE advice</strong> or submit the form on the left of this page. <br /> You will have more options to repay your creditors than stated in terms of the demand.</p>\n </div>\n <h2>Types of Statutory Demand </h2>\n <p>There are 3 types:-</p>\n <ul><li>Demand for a presently due debt, but not currently subject to a court order.</li>\n <li>Demand for a presently due debt, which is subject to a court order.</li>\n <li>Demand for a debt which is due some time in the future. </li>\n </ul><p>A <strong>Statutory Demand can only made for an unsecured debt</strong>. If the creditor holds some security on the debt, than that value must be stated so the unsecured portion of the debt is known.</p>\n <p>For debts due in the future, the creditor must give reasons as to why it is considered that you have no realistic chance of making payments when they fall due.</p>\n <p>The <strong>demand is normally issued </strong>to you <strong>in person</strong> by the creditor. It may be posted provided there is proof that you are aware of the demand.</p>\n <p>If you are not contactable, them the demand can be issue by advertisement, however the creditor requires a court order to allow this. </p>\n <p>Failure to comply to a statutory demand is seen as proof you are not able to repay the debt, and as such, the creditor is entitled to serve a bankruptcy petition to the court. </p>\n <div id=\"BottomCalltoAction\">\n <h2>What To Do Next</h2>\n <p>If you have received a <strong>Statutory Demand</strong>, or have been threatened with one, then please <strong>Call Us for FREE advice</strong>. </p>\n <p>We can offer a solution that will be affordable to you and acceptable to your creditors.</p>\n </div>\n </div>\n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n </div>\n \n \n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Lines Open 24 Hours</b></p>\n</div>\n\n \n\n</body>','Statutory Demand','','inherit','closed','closed','','230-revision-v1','','','2017-08-24 12:30:45','2017-08-24 11:30:45','',230,'http://insolvency-service.co.uk/230-revision-v1',0,'revision','',0),(270,2,'2017-08-24 12:30:45','2017-08-24 11:30:45','<div id=\"content\">\n<h1>Debt Consolidation</h1><p class=\"orange\">The principle behind Debt consolidation loans is fairly simple - you borrow a large lump sum to repay your creditors and are then left with one creditor and one monthly repayment.</p><p>If you find that you are unable to meet your monthly repayments to your creditors, one option is to apply for a debt consolidation loan. </p>\n<p>Monthly repayments may be lower than the sum you are currently paying, however, you may continue making repayments for a much longer period.</p>\n<p>Before you consider taking out a debt consolidation loan you should consider the following:-</p>\n<p><b>1. </b>As there are sometimes charges and penalties for early completion of a credit agreement always ensure you obtain a settlement figure from your existing lenders rather than a balance. Otherwise you could find you have not borrowed enough to repay your other debts in full.</p>\n<p><b>2.</b> Once you know exactly how much you owe and what the cost of your debt consolidation loan will be, you must take time to work out a realistic income and expenditure figure to establish whether or not you can afford the new payments. Remember to include an amount for contingencies and emergencies. If the sums still do not add up, then perhaps you should consider some form of debt management plan.</p>\n<h3>Types of loan available</h3>\n<p>The way in which debt consolidation loans operate varies.</p>\n<ul><li>You may be able to obtain an unsecured loan for this purpose from your bank or building society. The advantage of this is that your home or property are not \"secured\" against the loan and so will not be in danger should you fail to meet the terms of the agreement. The disadvantage is that the interest rate you pay will generally be higher than a secured loan.</li>\n <li>Several companies offer secured loans at competitive rates. These may reduce your monthly outgoings but remember that your property will be secured against the loan and if you do not pay it, the lender may take proceedings to have your property repossessed.</li>\n <li>Alternatively you may be able to re-mortgage your property to free up some of the equity in your house. The advantage of this is that you will be paying a lower rate of interest, probably the same as your mortgage rate. The disadvantages are that although the interest rate maybe lower you will probably be paying the loan over the same period as your mortgage so overall you will be paying more. Also your home will be at risk should you default on the payments.</li></ul><h3>Pros of a debt consolidation loan</h3>\n<ul><li>May be able to reduce your monthly payments. \n </li><li>Can take off some of the pressure you may be under from your existing creditors. \n</li><li>You will have only one creditor to deal with. </li></ul><h3>Cons of a debt consolidation loan</h3>\n<ul><li>Can pay more over a longer period. \n </li><li>May incur additional costs for setting up the loan. \n </li><li>If secured, your property may be at risk. \n </li><li>You will be left with only one creditor - this can make it difficult to negotiate should you have further problems in repaying your loan. \n</li><li>If the loans you are consolidating have all the interest added at the start you may in effect be paying interest twice. The interest charged for the first loan and the interest charged for the consolidation. </li></ul><p>If you are considering a loan to consolidate your debt problems, or would just like more information, contact one of our advisors today for advice on the total spectrum of debt solutions that may be applicable to your situation.</p> \n<br/><p><strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions. </p>\n </div>','Content Page Name Debt Consolidation Loans','','inherit','closed','closed','','231-revision-v1','','','2017-08-24 12:30:45','2017-08-24 11:30:45','',231,'http://insolvency-service.co.uk/231-revision-v1',0,'revision','',0),(271,2,'2017-08-24 12:30:46','2017-08-24 11:30:46','<div id=\"content\">\n<h1>Insolvency Glossary of Terms - Jargon Buster</h1><p class=\"orange\">Brief Definitions of Insolvency and Bankruptcy Terms and Expressions for England and Wales.</p><h3>ADMINISTRATION ORDER</h3>\n<p>An administration order is a court order placing a company that is, or is likely to become, insolvent under the control of an administrator following a petition by the company, its directors or a creditor. The purpose of the order is to preserve the company\'s business and assets to allow a reorganisation or ensure the most advantageous realisation of its assets whilst protecting it from action by its creditors. The administration of the insolvent estate of a deceased debtor. County court process permitting an individual with modest debts to pay off installments. No insolvency practitioner is involved.</p>\n<h3>AUTHORISED (OR LICENSED) INSOLVENCY PRACTITIONER</h3>\n<p>The person (usually an accountant or solicitor) authorised by the Department of Trade and Industry (DTI) or a professional body to act as trustee, nominee, supervisor, liquidator, administrative receiver or administrator. Only such a person can hold any of these offices. \n</p><h3>ADMINISTRATIVE RECEIVER </h3>\n<p>The person appointed by the holder of a floating charge debenture over a company\'s assets to collect in and realise the assets of that company and to repay the indebtedness to the debenture holder. </p>\n<p/>\n<h3>ADMINISTRATIVE RECEIVERSHIP</h3>\n<p>The term applied when an insolvency practitioner is appointed as an administrative receiver.</p>\n<h3>ADMINISTRATOR </h3>\n<p>The insolvency practitioner appointed by the court to handle the affairs of a company the subject of an administration order.</p>\n<h3>AGRICULTURAL RECEIVERSHIP</h3>\n<p>A special remedy to take control of the assets of a farmer under the Agricultural Credits Act 1928.</p>\n<h3>ASSOCIATES</h3>\n<p>Associates of individuals include family members, relatives, partners and their relatives, employees, employers, trustees in certain trust relationships, and companies which the individual controls. Associates of companies include other companies under common control.</p>\n<h3>BANKRUPT</h3>\n<p>Someone against whom a bankruptcy order has been made and who has not been discharged from bankruptcy.</p>\n<h3>BANKRUPTCY ORDER</h3>\n<p>The court order making an individual bankrupt (this replaces the concept of the receiving order and adjudication of bankruptcy in the old Act cases).</p>\n<h3>BANKRUPTCY RESTICTION ORDER</h3>\n<p>Bankruptcy Restriction Orders (BRO) are usually applied when the Official Receiver considers that a person applying for bankruptcy may have been dishonest or reckless in their spending. BROs can extend the period of bankruptcy from 2 to 15 years.</p>\n<h3>BOND</h3>\n<p>Insurance cover needed by a person who acts as an insolvency practitioner. </p>\n<h3>CHARGE</h3>\n<p>The appropriation of real or personal property for the discharge of a debt without giving the creditor any property in, or possession of, the subject of security.</p>\n<h3>CHARGING ORDER</h3>\n<p>Court order placing restrictions on the disposal of certain assets, such as property or securities, given after judgement and gives priority of payment over other creditors.</p>\n<h3>COMPANY DIRECTORS DISQUALIFICATION ACT (1986)</h3>\n<p>Consolidation Act on the disqualification of directors.</p>\n<h3>COMPANY VOLUNTARY ARRANGEMENT (CVA)</h3>\n<p>A voluntary agreement for a company is a procedure whereby a plan of reorganisation or composition in satisfaction of debts, is put forward to creditors and shareholders. There is limited involvement by the court and the scheme is under the control of a supervisor.</p>\n<h3>COMPOSITION</h3>\n<p>An agreement between debtor and his creditors whereby the compounding creditors agree with the debtor between themselves to accept from the debtor payment of less than the amounts due to them in full satisfaction of their claim.</p>\n<h3>COMPULSORY LIQUIDATION</h3>\n<p>The placing of a company into liquidation as a result of an application to the court, usually by a creditor.</p>\n<h3>CONNECTED PERSONS</h3>\n<p>Directors or shadow directors and their associates, and associates of the company.</p>\n<h3>CONTRIBUTORY</h3>\n<p>Shareholder, every person liable to contribute to the assets of a company in the event of it being wound up.</p>\n<h3>COURT-APPOINTED RECEIVER</h3>\n<p>A person, not necessarily a licensed insolvency practitioner, appointed to take charge of assets usually where they are subject to some legal dispute. Not strictly an insolvency process, the procedure may be used other than for a limited company, e.g. to settle a partnership dispute.</p>\n<h3>CREDITORS\' COMMITTEE</h3>\n<p>A creditors\' committee is formed to represent the interests of all creditors in supervising the activities of an administrator or trustee in bankruptcy, or receiving reports from an administrative receiver.</p>\n<h3>CREDITORS\' VOLUNTARY LIQUIDATION (CVL)</h3>\n<p>Relates to an insolvent company. It is commenced by resolution of the shareholders, but is under the effective control of creditors, who can choose the liquidator, liquidation committee.</p>\n<h3>DEBENTURE</h3>\n<p>A document stating the terms of a loan, usually to a company. Debentures may be secured on part or all of a company\'s assets, or they may be unsecured. Often also referred to as a floating charge, and the lender is often referred to as the debenture holder.</p>\n<h3>DEED OF ARRANGEMENT</h3>\n<p>Method for an individual (not a company) to come to terms with creditors short of formal bankruptcy, it has now been almost completely replaced by Individual Voluntary Arrangements.</p>\n<h3>DISQUALIFICATION OF DIRECTORS</h3>\n<p>A director found to have conducted the affairs of an insolvent company in an \"unfit\" manner may be disqualified, on application to the court by the DTI, from holding any management position in a company for between 2 and 15 years. </p>\n<h3>EXTORTIONATE CREDIT TRANSACTION</h3>\n<p>An extortionate credit transaction is a transaction by which credit is provided on terms that are exorbitant or grossly unfair compared with the risk accepted by the creditor. Such a transaction may be challenged by an administrator, a liquidator or a trustee in bankruptcy.</p>\n<h3>FIXED CHARGE</h3>\n<p>A fixed charge is a form of security granted over specific assets, preventing the debtor dealing with those assets without the consent of the secured creditor. It gives the secured creditor a first claim on the proceeds of sale, and the creditor can usually appoint a receiver to realise the assets in the event of default.</p>\n<h3>FLOATING CHARGE</h3>\n<p>A floating charge is a form of security granted to a creditor over general assets of a company which may change from time to time in the normal course of business (e.g. stock). The company can continue to use the assets in its business until an event of default occurs and the charge crystallises. If this happens, the secured creditor can realise the assets to recover his debt, usually by appointing an administrative receiver, and obtain the net proceeds of sale subject to the prior claims of the preferential creditors (e.g. Customs & Excise or Inland Revenue). </p>\n<h3>FRAUDULENT TRADING</h3>\n<p>Where a company has carried on business with intent to defraud creditors, or for any fraudulent purpose. It is a criminal offence and those involved can be made personally liable for the company\'s liabilities.</p>\n<h3>GOING CONCERN</h3>\n<p>Basis on which insolvency practitioners prefer to sell a business. Effectively it means the business continues, jobs are saved, and a higher price is obtained.</p>\n<h3>GUARANTEE</h3>\n<p>A legal commitment to repay a debt if the original borrower fails to do so. Directors may give guarantees to banks in return for the bank giving finance to their companies. Companies in a group may guarantee each others loans.</p>\n<h3>INDIVIDUAL VOLUNTARY ARRANGEMENT (IVA)</h3>\n<p>A voluntary arrangement for an individual is a procedure whereby the person comes to an arrangement with his creditors in how their debt will be discharged. Such a scheme requires the approval of the court and is under the control of a supervisor.</p>\n<h3>INSOLVENT</h3>\n<p>The state of not being able to pay one\'s debts as they fall due or having an excess of liabilities over assets.</p>\n<h3>INSOLVENCY ACT 1986 (IA 1986)</h3>\n<p>Primary legislation governing insolvency law and practice. Nevertheless, many other statues and statutory instruments are also relevant.</p>\n<h3>INSOLVENT LIQUIDATION</h3>\n<p>A company goes into insolvent liquidation if it goes into liquidation at a time when assets are insufficient for the payment of its debts and other liabilities and the expenses of liquidation.</p>\n<h3>INSOLVENCY PRACTITIONER (IP)</h3>\n<p>Person authorised by one of the chartered accountancy bodies, the Law Societies, The Insolvency Practitioners Association or the Department of Trade. The only person who may act as office holder in an insolvency proceeding.</p>\n<h3>INSOLVENCY RULES</h3>\n<p>The Insolvency Rules 1986, as amended, provide the detailed working procedures for the provisions of the Insolvency Act 1986.</p>\n<h3>INSOLVENCY RULES (IA 1986)</h3>\n<p>The Insolvency Rules 1986 (as amended) these Rules apply where the Act applies. Where the old Act continue to apply so do the Bankruptcy Rules 1952 and the Companies (Winding Up) Rules 1949. There are separate rules dealing with insolvent partnerships, insolvent deceased\'s estates and deeds of arrangement.</p>\n<h3>INTERIM ORDER</h3>\n<p>An individual who intends to propose a voluntary arrangement to his creditors may apply to the court for an interim order which, if granted, precludes bankruptcy and other legal proceedings whilst the order is in force.</p>\n<h3>INVESTORS\' COMPENSATION SCHEME</h3>\n<p>A statutory scheme operated by the SIB (Securities and Investments Board) to give individual investors up to �48,000 protection if an authorised investment business collapses. </p>\n<h3>JUDGEMENT</h3>\n<p><br/>1. Recognition of a debt by a court. <br/>2. Decision given by a court at the conclusion of a trial.</p>\n<h3>LAW OF PROPERTY ACT 1925 (LPA)</h3>\n<p>Governs transactions in law and property. Contains statutory powers of receivers appointed under a fixed charge.</p>\n<h3>LPA RECEIVER</h3>\n<p>Law of Property Act 1925 receiver: a person (not necessarily an insolvency practitioner) appointed to take charge of a mortgaged property by a lender whose loan is in default, usually with a view to sale or to collect rental income for the lender. Common in the case of failure of a property developer, whose borrowings will largely be secured on specific properties.</p>\n<h3>LIEN</h3>\n<p>Right to retain possession of assets or documents until settlement of a debt.</p>\n<h3>LIQUIDATION</h3>\n<p>The procedure whereby the assets of a company (or partnership) are gathered in and realised, the liabilities met and surplus, if any, distributed to members.</p>\n<h3>LIQUIDATION COMMITTEE</h3>\n<p>Committee of creditors who receive information from the liquidator and sanction some of his actions.</p>\n<h3>LIQUIDATOR</h3>\n<p>The person appointed to deal with the assets and liabilities of the company or partnership once the resolution to wind up has been passed or a compulsory winding up order has been made.</p>\n<h3>MAREVA INJUNCTION</h3>\n<p>Court order preventing the disposal of assets.</p>\n<h3>MEMBER</h3>\n<p>Shareholder of a company.</p>\n<h3>MEMBERS\' VOLUNTARY LIQUIDATION (MVL)</h3>\n<p>A solvent liquidation where the shareholders appoint the liquidator to realise assets and settle all the company\'s debts in full within 12 months.</p>\n<h3>MISFEASANCE</h3>\n<p>Breach of duty in relation to the funds or property of a company by its directors or managers.</p>\n<h3>MORTGAGE</h3>\n<p>A transfer of an interest in land or other property by way of security, redeemable upon performing the condition of paying a given sum of money.</p>\n<h3>NOMINEE</h3>\n<p>The person chosen by the individual or corporate debtor to report on the debtor\'s proposals for an IVA or CVA.</p>\n<h3>OFFICE HOLDER</h3>\n<p>A person who is required to be a qualified insolvency practitioner to hold the following posts, of a liquidator, provisional liquidator, administrator , administrative receiver, supervisor of a voluntary arrangement, or trustee in bankruptcy.</p>\n<h3>OFFICIAL RECEIVER (OR)</h3>\n<p>The civil servant employed by the DTI to head the regional offices whose responsibilities cover bankruptcies and compulsory liquidations.</p>\n<h3>ONEROUS PROPERTY</h3>\n<p>The term onerous property in the context of a liquidation or bankruptcy, applies to unprofitable contracts and to property that is unsaleable or not easily saleable or that might give rise to a continuing liability. Such property can be disclaimed by a liquidator or a trustee in bankruptcy.</p>\n<h3>PETITION</h3>\n<p>A written application to the court for relief or remedy.</p>\n<h3>POLICYHOLDERS PROTECTION ACT 1975</h3>\n<p>An act which established Policyholders Protection Board to provide compensation to the public in the event of the liquidation of an insurance company. The Board will make payment in full of liabilities under certain policies of compulsory insurance and 90 per cent of liability to provide policyholders under other general and investment type policies. Compensation is restricted to individual policyholders or partnerships; corporate policyholders are not protected.</p>\n<h3>PREFERENCE</h3>\n<p>A payment or other transaction in the six month to two year period preceding a liquidation, administration or bankruptcy, which places a creditor or a person connected with the insolvent, respectively, in a better position than they would have been otherwise. A liquidator, administrator or trustee in bankruptcy may recover any sums which are found to be preferences.</p>\n<h3>PREFERENTIAL CREDITOR</h3>\n<p>Defined in Schedule 6 of The Insolvency Act 1986. Has priority when funds are distributed by a liquidator, administrative receiver or trustee in bankruptcy.</p>\n<h3>PROOF OF DEBT</h3>\n<p>The document submitted in an insolvency to establish a creditor\'s claim. It may be informal (by e.g. letter) or in a prescribed form (in bankruptcy and compulsory liquidations).</p>\n<h3>PROVING</h3>\n<p>A creditor who claims is referred to as \"proving\" for his debt, and the document by which he seeks to establish his claim is his \"proof\". </p>\n<h3>PROVISIONAL LIQUIDATOR</h3>\n<p>The person appointed by the court to deal with the affairs of the company until a compulsory winding up order.</p>\n<h3>PROXY</h3>\n<p>The authority given by a creditor or member to another person (proxy holder) to attend a meeting and speak and vote at a meeting on behalf of the creditor ( principal) or member.</p>\n<h3>PROXYHOLDER</h3>\n<p>A person who is authorised to attend a meeting on behalf of someone else.</p>\n<h3>RECEIVER</h3>\n<p>The person appointed by the court for some specific purpose or the person appointed by a mortgage to exercise his rights over the charges property under the Law of Property Act 1925 (not to be confused with the Official Receiver or Administrative Receiver.</p>\n<h3>RECEIVERSHIP</h3>\n<p>The general term applied when a person is a appointed as a receiver or administrative receiver over certain assets.</p>\n<h3>RECOGNISED PROFESSIONAL BODY (RPB)</h3>\n<p>An organisation approved by the Secretary of State as being able to authorise its members to act as insolvency practitioners. <br/>A body may be recognised if it regulates the practice of a profession and maintains and enforces rules for securing that such of its members as are permitted by or under the rules to act as insolvency practitioners- <br/>(a) are fit and proper persons so to act, and <br/>(b) meet acceptable requirements as to education and practical training and experience.</p>\n<h3>RESERVATION OF TITLE OR RETENTION OF TITLE AGREEMENT</h3>\n<p>An agreement for the sale of goods to a company, being an agreement; (a) which does not constitute a charge on the goods, but (b) under which, if the seller is not paid and the company is wound up, the seller will have priority over all other creditors of the company in respect to the goods or any property representing the goods.</p>\n<h3>SECURED CREDITOR</h3>\n<p>A creditor with specific rights over some or all his debtor\'s assets in the event of insolvency. In essence he is paid first from the secured assets.</p>\n<h3>SECURITY</h3>\n<p>A charge or mortgage over assets taken to secure payment of a debt. If the debt is not paid, the lender has a right to sell the charged assets. Security documents can be very complex. The commonest example is a mortgage over a property.</p>\n<h3>SHADOW DIRECTOR</h3>\n<p>A person who is not formally appointed as a director, but in accordance with whose directions or instructions the directors of a company are accustomed to act. However, a person is not a shadow director merely because the directors act on advice given by him in a professional capacity.</p>\n<h3>SPECIAL MANAGER</h3>\n<p>A special manager is a person appointed by the Court in a compulsory liquidation or bankruptcy to assist the liquidator, official receiver or trustee in managing the insolvent\'s business. He does not need to be an insolvency practitioner.</p>\n<h3>STATUTORY DEMAND</h3>\n<p>A formal notice requiring payment of a debt exceeding �750 within 21 days, in default of which bankruptcy or liquidation proceedings may be commenced without further notice. </p>\n<h3>SUPERVISOR</h3>\n<p>The person appointed to supervise the implementation of the debtor\'s proposals for an IVA or CVA once approved by creditors (and members).</p>\n<h3>TRANSACTION AT AN UNDERVALUE</h3>\n<p>A transaction at an undervalue can describe either a gift or a transaction in which the consideration received is significantly less than that given. In certain circumstances such a transaction can be challenged by an administrator, a liquidator or a trustee in bankruptcy.</p>\n<h3>TRUSTEE</h3>\n<p>either:-</p>\n<ul><li>(a) in bankruptcy - the authorized insolvency practitioner appointed to deal with the estate of the bankrupt; </li>\n <li>(b) under a deed of arrangement - the authorized insolvency practitioner appointed to deal with the estate of the person who entered into the deed.</li></ul><h3>UNSECURED CREDITOR</h3>\n<p>Strictly, any creditor who does not hold security. More commonly used to refer to any ordinary creditor who has no preferential rights, although, in fact preferential creditors will almost always also be unsecured. In any event, the last in the queue, ahead only of the shareholders.</p>\n<h3>UNDISCHARGED BANKRUPT</h3>\n<p>Someone against whom a bankruptcy order has been made and who has not been discharged from bankruptcy.</p>\n<h3>VAT BAD DEBT RELIEF</h3>\n<p>The relief obtained in respect of the VAT element of an unpaid debt. Previously available only when the debtor became insolvent, relief is now available on any debt unpaid for more than 6 months.</p>\n<h3>VOLUNTARY LIQUIDATION</h3>\n<p>The placing of the company into liquidation by resolution of the members - there are two types of voluntary liquidation member\'s voluntary liquidation; and creditor\'s voluntary liquidation. The first of these does not involve insolvency and comes about merely because the (shareholders) members wish to have the value of their shareholding realised e .g. on the retirement of the principals of the company was incorporated has been fulfilled.</p>\n<h3>WINDING-UP</h3>\n<p>(Or liquidation) - the procedure whereby the assets of a company (or partnership) are gathered in and realised, the liabilities met and the surplus, if any, distributed to members.</p>\n<h3>WINDING-UP ORDER</h3>\n<p>The order made by the court for a company to be placed in compulsory liquidation.</p>\n<h3>WINDING-UP PETITION</h3>\n<p>A winding-up petition is a petition presented to the court seeking an order that a company be put into compulsory liquidation.</p>\n<h3>WRONGFUL TRADING</h3>\n<p>Applied to companies in liquidation where a director allowed the company to continue trading in circumstances where he should have concluded that there was no reasonable prospect that the company would avoid going into solvent liquidation. The directors involved may be made personally liable to make a contribution to the company\'s assets.</p> \n<br/><p><strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions. </p>\n </div>','Content Page Name Insolvency Terms','','inherit','closed','closed','','232-revision-v1','','','2017-08-24 12:30:46','2017-08-24 11:30:46','',232,'http://insolvency-service.co.uk/232-revision-v1',0,'revision','',0),(272,2,'2017-08-24 12:30:46','2017-08-24 11:30:46','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"\"></a></div><div id=\"logo\"><a href=\"\"></a></div><div id=\"phone\">Lines Open 24 Hours </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n<div id=\"nav\"><ul></ul></div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n \n \n \n <h1>CVA\'s - Company Voluntary Arrangements</h1>\n <p class=\"summary\">A CVA is similar to an IVA, but for companies rather than individuals.\n It is a legal procedure that enables a company to make a binding agreement with its creditors and shareholders, describing how the company\'s debts and credit liabilities are to be managed, while allowing the company to trade. </p>\n <p>From the creditors\' point of view, the CVA serves to achieve one of the following:- </p>\n <ul><li>An immediate full and final settlement of somewhere less than 100p in the pound to settle outstanding debts. </li>\n <li>An agreed delay of payment until an certain event happens.<br /></li>\n <li>An agreement of payments by installments. </li>\n </ul><p>A CVA aims to serve the best interests of the creditors and shareholders while allowing the company to continue trading, keeping the work force in employment.</p>\n <p>A CVA can only be proposed by a company if it is insolvent. The CVA requires the approval of 75% (by value of the debt) of the voting creditors and approval of a majority of the shareholders.</p>\n <p>If approved, the CVA binds all creditors irrespective of how (or whether) they voted and allows the directors to retain control of their company. </p>\n <h2>Components of a Successful CVA Proposal</h2>\n <p>The proposal must be reasonable and achievable. It must explain why a CVA is in the best interests of all concerned parties and why the creditors should accept the it. The proposal details all the company\'s assets and liabilities and how it is to deal with secured and preferential creditors and those with a direct connection to the company. </p>\n <p>There must be a business plan to return the company to profitability, in other words, directors must accept there is a need for change. The proposal must be viable and be likely to be considered favorably by the creditors. Working capital in addition to a review of credit repayments need to be arranged.</p>\n <p>Creditors will vote in favour of a CVA if the alternative is liquidation with little or no return to creditors. </p>\n <h2><b> Basic Steps of the Procedure:-</b></h2>\n <ul><li>The CVA can be proposed by directors of the company or a Liquidator/Administrator.</li>\n <li>The procedure is administered by a Licensed Insolvency Practitioner.</li>\n <li>A study of the company and its position in the marketplace in made.</li>\n <li>Directors & secured creditors debate the proposal.</li>\n <li>After the proposals are complete, the Nominee needs to prepare a report on the proposals which includes comment on the due diligence they have undertaken to ensure that the CVA proposals are accurate, reasonable and achievable</li>\n </ul><h2><strong>After the Filing a CVA Proposal:-</strong></h2>\n <ul><li>Once filed at court, the proposal is sent to the creditors.</li>\n <li>A meeting is chaired by the advisor or an IP with all creditors (or representative of creditors) at which the creditors vote on the proposal </li>\n <li>Creditors may request modification of the proposal, which will need to be approved by vote. </li>\n <li>A shareholders meeting is held on the same day, but after the creditor\'s meeting. This requires a 50% vote in favour of the CVA Proposal. </li>\n <li>Once a decision is made, the meetings close and a report is issued by the chairman within 4 days. </li>\n <li>Once approved, all creditors are legally bound by the proposal. </li>\n <li>After approval, the company makes agreed contributions to the trust account. </li>\n </ul><h2>CVA - Frequently Asked Questions. </h2>\n <p><strong>How much does the company repay its creditors?<br /></strong>Having reviewed the financial position and the company\'s prospects we would sit down with the directors and calculate what the company can afford to pay into a segregated fund, typically but not always, on a monthly basis.</p>\n <p><strong>Will the bank, VAT and the Inland Revenue support the CVA?<br /></strong>In essence a CVA allows a company with historical cash flow problems to repay its liabilities, either in part or in full (including the Inland Revenue and VAT) over a period of time. Once the company\'s liabilities has been restructured any monies generated by the company e.g. book debts can be used as working capital rather than paying its old debts.</p>\n <p>Generally, they will not be problems with a CVA proposal that adheres to common sense. As the bank is normally secured (as are any finance companies), it remains outside the CVA and with all pre CVA creditors showing in the segregated fund, the pressure is taken off, because you have fresh and unallocated working capital coming in to the company. </p>\n <p><strong>Will suppliers still supply and support the company?<br /></strong>It is our experience that nearly most suppliers will continue to support a company in a CVA.</p>\n <p><strong>Does anyone interfere with the running of the company during a CVA?<br /></strong>As long as the company adheres to the terms of the CVA, the company is run under the control of the directors without any outside interference. There are certain reporting requirements to a CVA Supervisor, but there are normally simple and brief.</p>\n </div>\n \n \n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n\n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Lines Open 24 Hours</b></p>\n</div>\n\n </div>\n </div>\n</body>','Cva','Bad, Credit, Loans, Bad Credit Unsecured Loans','inherit','closed','closed','','233-revision-v1','','','2017-08-24 12:30:46','2017-08-24 11:30:46','',233,'http://insolvency-service.co.uk/233-revision-v1',0,'revision','',0),(273,2,'2017-08-24 12:30:46','2017-08-24 11:30:46','<div id=\"content\">\n<h1>Debts Under £15,000 ? </h1>\n <p class=\"homepage\">If your circumstances don\'t qualify your for an IVA but you need to reduce your monthly credit repayments - Then a debt Management could be your best option. </p>\n <h2>What is Debt Management ? </h2>\n \n Debt Management is an informal process of negotiation with unsecured creditors to obtain a reduction in the repayment amount and / or a reduction in interest charges. \n <p>Negotiation involves providing proof to the creditor you are unable afford current repayments. </p>\n <br/><h2>\n How Debt Management Benefits You</h2>\n <ul><li>We negotiate on your behalf reduces your credit repayments to a single, lower monthly amount.</li>\n <li>We ask your creditors to freeze or reduce interest charges and agree to a lower monthly payment.</li>\n <li>When interest charges are frozen, the money we pay to your credit companies is taken reduces the debt rather than being used to pay interest charges.</li>\n <li>You make one monthly payment to us, we forward this to your onto your creditors allowing you to afford your essential bills.</li>\n </ul><h3>Advantages of Debt Management over a Debt Consolidation Loan. </h3>\n <ul><li>You are about to reduce our outgoings without go further into debt. </li>\n <li>If you take out a secured Loan - you run the risk of have your property repossessed if you fail to keep up repayments.</li>\n <li>If you take out a unsecured Loan with a single lender - you are in a weaker position to negotiate should to not be able to make repayment. </li>\n <li>You will be accepted onto a debt management programme if a bad credit record prevents you from getting a loan.</li>\n </ul><h3>Advantages of Debt Management over an IVA </h3>\n <ul><li>It\'s instant - one call and we can take control of the situation for you. \n </li><li>Unlike an IVA, don\'t need unsecured debts of £15K or to become involved in a legal insolvency procedure. \n </li><li>So long as you\'ve 2 or more creditors and can affords to make payments of £100 per month, you will be accepted onto a debt management programme. \n </li></ul><h3>Disadvantages of Debt Management over an IVA or Consolidation Loan </h3>\n <ul><li>Unlike an IVA, you payback the full amount of the outstanding debt. \n </li><li>Unlike an IVA, you may be on the program for more than 5 years. \n </li><li>Unlike an IVA, your creditors may still decide to take legal action against you. \n </li><li>Unlike a loan, it does not raise money to pay debts like council tax or a mortgage. </li>\n </ul><p><strong>Caution</strong><br/><span class=\"highlight\">You may find yourself seeking debt advice from a company solely interested in placing you on a debt management program. This is not the case with us as we offer advice on all debt solution alternatives. Only if your circumstances are best suited to debt management will we propose this solution</span></p>\n <h2>Frequently Asked Questions.</h2>\n <p><strong>How much will I have to pay ?<br/></strong> On our advice, you decide on a single affordable monthly payment.</p>\n <p><strong>Can you guarantee a reduction in payments ? <br/></strong>No. It depends on your ability to make your current repayment and is at the discretion of the individual creditor. However, once they are presently with proof you are struggling to make payment and are taking steps to pay your debt as best you can, they generally accept our proposal. </p>\n <p><strong>How long will the programme last ?<br/></strong> Until all debts have been paid in full. Due to the reduced payment levels, this will be longer than the terms of original credit agreements and may incur addition interest payments as the term of the credit agreement is extended.</p>\n <p><strong>How do I know I\'m getting the best advice ? <br/></strong> If your circumstances are not best served by a Debt Management programme, we will advise accordingly. This may involve suggesting that we refer you to partner companies offering Insolvency advice, IVA\'s or a range of debt consolidation loan.</p>\n <p><strong>How do I know my debts are being paid ? <br/></strong>Once up to date balances from your creditors have been received, your monthly payment between them are pre portioned based on how much each is owed. A statement showing how much each creditor will receive will be issued. This remains fixed unless your circumstances change. You will be issued a quarterly statement showing all transactions on your account. In addition to this, you will still receive statements from your creditors.</p>\n <p><strong>Will this affect my credit rating ?</strong><br/>\n When entering into a debt management agreement, you will be breaking the terms of your initial repayment agreement with your lender. This may have an adverse effect on your credit record. Due to time required arranging and distributing payments to creditors and delays in making first payment into the programme from clients, contractual payments to creditors may be missed. </p>\n <p><strong>Who administers the Debt Management programme ? </strong><br/>\n Debt management services promoted by Abacus are administered by Harrington Brooks (Accountants) Limited.</p>\n <p><strong>How is the programme administered ?<br/></strong> Negotiations are made with your creditors to reduce your monthly payments. They are requested to freeze or reduce their monthly interest charges. A single monthly payment is taken form yourself and paid your creditors on your behalf. This will make managing payments simpler.</p>\n <br/><p><strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions. </p>\n </div>','Debt Management','','inherit','closed','closed','','234-revision-v1','','','2017-08-24 12:30:46','2017-08-24 11:30:46','',234,'http://insolvency-service.co.uk/234-revision-v1',0,'revision','',0),(274,2,'2017-08-24 12:30:46','2017-08-24 11:30:46','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"\"></a></div><div id=\"logo\"><a href=\"\"></a></div><div id=\"phone\">Open Today - <strong>8am until 9pm</strong> </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n</div>\n \n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n <h1>Fast Track Voluntary Agreements</h1>\n <p class=\"summary\">A <strong>Fast Track Voluntary Arrangements</strong> is for someone already made bankrupt with the purpose that the <strong>FTVA</strong> replaces and annuls the bankruptcy order. </p>\n <p><strong>Fast Track Individual Voluntary Arrangements (FTVA) are for people who:-</strong></p>\n <ul><li>Have been made bankrupt by a creditor, but are seeking to, and can afford to, pay their way out of the bankruptcy.</li>\n <li>Petitioned for their own bankrupty, but have now realised they have not acted upon the proper advice and this was not the most appropriate course of action for them. </li>\n </ul><p>An application for a FTVA will only be accepted if your creditors stand to gain more of the money owned to them over the bankruptcy order.</p>\n <p>The Official Receiver acts as would the Nominee in a normal IVA. For this they are paid £300+ 15% of the money obtained via the FTVA.</p>\n <p>The Bankruptee pays the Official Receiver £300 + a £35 registration fee when submitting a \'Proposal<strong> to creditors for a Fast Track Voluntary Arrangements in satisfaction of debts</strong>\' form.</p>\n <p>Like a normal IVA, a repayment offer is made to the creditors in either a full and final payment or over a 5 year period if payments from income are to be made, or a combination of both. Creditors are advised by post, who either accept or reject the proposal. There is no creditors meeting.</p>\n <p>Like a normal IVA, If the proposal is accepted, the Official Receiver becomes the supervisor of the FTVA and informs the court. The court annuls the bankruptcy automatically. The official receiver will advise anyone notified of the bankruptcy order that you are no longer bankrupt. </p>\n <p>Details of your bankruptcy will be removed from the individual insolvency register. It will be as the bankrupty never existed.</p>\n </div>\n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n \n \n \n \n <div id=\"ivabanner\"></div>\n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Open Today - <strong>8am until 9pm</strong></b></p>\n</div>\n\n \n\n</body>','Fast Track Ivas','A guide to Fast Track Voluntary Arrangements','inherit','closed','closed','','235-revision-v1','','','2017-08-24 12:30:46','2017-08-24 11:30:46','',235,'http://insolvency-service.co.uk/235-revision-v1',0,'revision','',0),(276,2,'2017-08-24 12:30:46','2017-08-24 11:30:46','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"\"></a></div><div id=\"logo\"><a href=\"\"></a></div><div id=\"phone\">Lines Open 24 Hours </div>\n</div>\n <div id=\"contentwrap\">\n\n</div>\n \n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n \n \n <h1>IVA Case Studies</h1>\n <p class=\"summary\">IVA cases, typical of those we have handled. <br />\n Examples used are fictitious to protect client privacy.</p>\n \n \n <p style=\"margin-bottom:2px;\"><strong>Case Study 1</strong></p><h2 st=\"\">Couple with young children and car on hire purchase.\n</h2>\n <table cellspacing=\"15\" width=\"100%\"><tr><td width=\"45%\" valign=\"top\"><strong>Initial debt: </strong>£32,000</td>\n <td width=\"55%\" valign=\"top\"><strong>Was paying: </strong>£600/month</td>\n </tr><tr><td valign=\"top\"><strong>Debt written off:\n </strong> £13,400</td>\n <td valign=\"top\"><strong>Now paying: </strong>£250/month</td>\n </tr><tr><td valign=\"top\"><strong>% written off:\n </strong> 42%</td>\n <td></td>\n </tr></table><div style=\"margin-left:16px; margin-bottom:50px;\"><p>Mr and Mrs Jones have 3 children under 10, and a total debt of <strong>£32,000 </strong>on loans and credit cards. Their car is on hire purchase, which is essential for Mr Jones to travel to work.</p><p>They built up debt over several years of over-spending, thinking Mr Jones\' salary would eventually rise, enabling them to catch up. This didn\'t happen and when his overtime ceased, they were not able met their creditor\'s demands. </p>\n <p>They currently pay out £600 per month leaving them with a ever growing overdraft. Their outgoings leave them with no money at the end of each month.</p><p>They agreed to repayments of £250 per month for 2 years and £350 in years 3, 4 & 5 as the car hire purchase ends in 2 years. They get to keep the car and have a new Bank account and no overdraft. In total they will pay back <strong>£18,600</strong> over 60 months in the IVA\'s.</p></div>\n \n <p style=\"margin-bottom:2px;\"><strong>Case Study 2</strong></p><h2 st=\"\">Single person living with parents with debts over £50,000</h2>\n <table cellspacing=\"15\" width=\"100%\"><tr><td width=\"45%\" valign=\"top\"><strong>Initial debt: </strong>£52,000</td>\n <td width=\"55%\" valign=\"top\"><strong>Was paying: </strong>£700/month</td>\n </tr><tr><td valign=\"top\"><strong>Debt written off:\n </strong> £23,600</td>\n <td valign=\"top\"><strong>Now paying: </strong>£290/month</td>\n </tr><tr><td valign=\"top\"><strong>% written off:\n </strong> 45%</td>\n <td></td>\n </tr></table><div style=\"margin-left:16px; margin-bottom:50px;\"><p>Mr Reeves is single, rents from a private landlord, and has no dependants. He earns about £23,000 a year. At 27 years of age, he has already amassed debts of around <strong>£52,000</strong> over 8 years. </p>\n <p>Mr Reeves admits his debts are solely the result of his own irresponsibility and indulgences. Everywhere he was offered credit, he took it, mostly making minimum payments. He was now finding these payments difficult. </p>\n <p>Mr Reeves agreed to down grade his car to raise £11,000 which also halved his insurance premiums, leaving £41,000 of debt. His creditors accepted an offer of £290 for 60 months, paying back in total <strong>£17,400</strong>.</p></div>\n \n <p style=\"margin-bottom:2px;\"><strong>Case Study 3</strong></p><h2 st=\"\">Divorce makes credit repayments impossible. </h2>\n <table cellspacing=\"15\" width=\"100%\"><tr><td width=\"45%\" valign=\"top\"><strong>Initial debt: </strong>£39,000</td>\n <td width=\"55%\" valign=\"top\"><strong>Was paying: </strong>£615/month</td>\n </tr><tr><td valign=\"top\"><strong>Debt written off:\n </strong> £25,800</td>\n <td valign=\"top\"><strong>Now paying: </strong>£220/month</td>\n </tr><tr><td valign=\"top\"><strong>% written off:\n </strong> 66%</td>\n <td></td>\n </tr></table><div style=\"margin-left:16px; margin-bottom:50px;\"> <p>Having rented with her husband and child whilst married, Ms X already had large, but affordable credit repayments before her divorce. As the household income dropped to a single wage plus benefits and maintenance payments, she could not longer afford what her creditors were asking for.</p>\n <p>Failing to take the appropite action, Mr X tried to borrow he way out of debt, until her sole and joint debts with her ex husband totaled <strong>£39,000.</strong></p>\n <p>She entered into a linked IVA with her ex-husband and agreed to payback <strong>£220 </strong>per month for 60 months totaling <strong>£13,200</strong> over 5 years. Her situation will be reviewed in 12 months time when Ms X hopes to return to full time work as her child reaches school age.</p></div> \n \n </div>\n \n \n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n \n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Lines Open 24 Hours</b></p>\n</div>\n\n \n \n</body>','Iva Case Studies','Bad, Credit, Loans, Bad Credit Unsecured Loans','inherit','closed','closed','','237-revision-v1','','','2017-08-24 12:30:46','2017-08-24 11:30:46','',237,'http://insolvency-service.co.uk/237-revision-v1',0,'revision','',0),(277,2,'2017-08-24 12:30:47','2017-08-24 11:30:47','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"\"></a></div><div id=\"logo\"><a href=\"\"></a></div><div id=\"phone\">Lines Open 24 Hours </div>\n</div>\n \n</div>\n \n <div id=\"maincontent\">\n <div id=\"pageleft\">\n \n <h1> IVA Knowledge Base </h1>\n <p class=\"summary\">Common questions answered about IVAs. </p>\n <p>If you have a query not covered here, please call us or <a href=\"contact_action_question \">submit a question</a> for confidential advice about your own set of circumstances.</p>\n <p>The database currently contains \n 51 questions. \n \n<br />More additions are being made on a daily basis.</p>\n \n \n <form action=\"iva_faq \" method=\"post\">\n <p> \n <input type=\"submit\" class=\"button\" value=\"search\" /><input name=\"keyword\" type=\"text\" size=\"30\" /></p>\n <p>Finds matches in Questions OR Answers. </p>\n </form>\n \n \n \n <strong>1) Which debts can be included in an IVA ?</strong><br />Normally, any unsecured debts can be included within an IVA. This inlcudes any overdrafts with your current bank and credit card balances.<br /><br />\nIn short, any service that your are no longer using, for which money is outstanding, has the potential for inclusion in an IVA proposal. For example, an outstanding bill for a disconnected mobile phone.<br /><br />Personal debts to the Inland Revenue and VAT can also be included. <br /><br /><br /><strong>2) Which debts cannot be included in an IVA ?</strong><br />Secured loans and items on Hire Purchase can\'t be included as part of an IVA.<br /><br />\nThe following debts cannot be included, but \"provisions\" can be made within the IVA propsal. By provisons we mean, the fact they are outstanding and must be paid impacts your ability to repay your creditors.\n <ul><li>Council Tax Arrears</li>\n <li>Any fine or penalties imposed by a court</li>\n <li>Any liabilities arising under an order made in a family or domestic court action such as CSA claims for child support.</li>\n <li>Any liabilities arising under a confiscation order made under S.1 of the Drug Trafficking Act 1986 0r S.71 of the Criminal Justice Act 1988.</li>\n <li>Most educational loans, taken out after June 2004, as they fall outside of the Insolvency Act 1986.</li>\n </ul><br /><br /><br /><strong>3) Can I do an IVA without affecting my Property/House ?</strong><br />In some circumstances your home may be excluded from the arrangement. However, if you have equity in your house, this will be taken into account when making an offer to creditors. You may have to release some of the equity in your property at some stage during the IVA.<br /><br /> Your creditors are only going to approve an IVA if they consider they will get more money back than via bankruptcy. If the equity in your property is more than your unsecured debts, then they could get it all back by bankrupting you, and forcing you to sell your home.\n<br /><br />How your homeowner status effects yout IVA propsal is complex and depends on many factors such as \n<ol><li>Your current mortgage repayments.</li>\n<li>How much of the property is yours in the case of joint ownership.</li>\n<li> The amount of equity in the property.</li>\n</ol>\nWe get more questions above homeowership and IVA than anything else, so please call us for free advice of how this may impact your decision to do an IVA.\n<br /><br /><br /><strong>4) How much equity will I have to release from my property?</strong><br />There is no exact answer to this as it depends on personal circumstances. As a rule of thumb, equity is released such that increased mortgage payments once the IVA is completed are no higher than the IVA payments were.<br /><br /><br /><strong>5) I live in rented property - Will my landlord find out about my IVA ?</strong><br />Your landlord need not be aware of the IVA.\n<br /><br /><br /><strong>6) Are you regulated ?</strong><br /> Our licensed Insolvency Practitioners are regulated by either:-\n <ul><li>Association of Chartered Certified Accountants (ACCA)</li>\n <li>Institution of Chartered Accountants of England and Wales (ICAEW)</li>\n <li>Department of Trade and Industry (DTI)</li>\n <li> Insolvency Practitioners Association (IPA) </li>\n </ul>Licensed insolvency practitioners are monitored regularly by their professional bodies. This ensures they are complying with the law and \nensures high standards are maintained.<br /><br /><br /><strong>7) How are debts with joint liability treated with respect to an IVA, when only one of the debtors is applying for the IVA ?</strong><br />There is no simple answer to this. It is at the discretion of the creditors and dependent upon individual circumstances. The creditor involved will be able to pursue the other party.\n<br /><br /><br /><strong>8) Can I obtain an IVA if a bankruptcy order has been made against me ?</strong><br />Yes, if you have not been discharged from bankrptcy. It is possible to annul a bankruptcy and enter into an IVA if it is more appropriate.<br /><br /><br /><strong>9) Can one individual creditor refuse to accept an IVA ?</strong><br />One creditor can stop the IVA if they are owed more than 25% of the debts. If more that 75% of your creditors by value approve the IVA, then any dissenting creditors are bound by the arrangement.<br /><br /><br /><strong>10) Will the IVA stop my creditors from taking further action against me ?</strong><br />Once the IVA is in place, you are protected from further recovery action by the creditors scheduled in the IVA.<br /><br /><br /></div>\n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n\n \n \n \n \n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option><center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n \n \n \n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Lines Open 24 Hours</b></p>\n</div>\n\n \n \n</body>','Iva Faq','','inherit','closed','closed','','238-revision-v1','','','2017-08-24 12:30:47','2017-08-24 11:30:47','',238,'http://insolvency-service.co.uk/238-revision-v1',0,'revision','',0),(278,2,'2017-08-24 12:30:47','2017-08-24 11:30:47','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"\"></a></div><div id=\"logo\"><a href=\"\"></a></div><div id=\"phone\">Open Today - <strong>8am until 9pm</strong> </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n<div id=\"nav\"><h2>\n</h2></div>\n \n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n \n \n <h1> IVA Procedure </h1>\n \n <p class=\"summary\">When you make initial contact with us - we\'ll need to ask you about your debts, personal finances and about your incomings and outgoings. Only if we consider an IVA is likey to be accepted in your cirumstances, would we advise a formal proposal.</p>\n <ol><li>Once we\'ve accpeted your case, you will need to complete and return a questionnaire which give one of our teams of Insolvency Practitioners the information required to prepare the IVA Proposal.</li>\n <li>You will need to sign a formal letter of instruction, and a letter authorising us to contact your creditors. This will hopefully ensure that the creditors stop contacting you and will contact your IP instead. This will naturally reduce any stress and pressure from you.</li>\n <li>A draft Proposal will be prepared based on the information you have been provided, and will be sent to you for approval. You may be asked to provide further details in respect of any information that may still be outstanding or missing.</li>\n <li>The draft Proposal is returned to the IP by you with any alterations and missing information required. The IVA Proposal will then be updated and sent out to you for final approval.</li>\n <li>You will need to sign the Proposal and return it to the IP upon which he will then formally agree to become your Nominee.</li>\n <li>The IP is then required to make out a report and to comment on your offer to creditors and will then lodge both his report and your IVA Proposal in court. This is a mere formality, and you will not be required to attend court unless there are exceptional circumstances. If there are such circumstances, you will be advised of this at the outset of your case.</li>\n <li>A Meeting of Creditors will be convened and your IVA Proposal together with the Nominee\'s Report will be sent to all creditors to consider. You do not have to attend the Meeting of Creditors.</li>\n <li>On the date of the Meeting of Creditors, the Creditors vote on whether they are willing or unwilling to accept your offer and if 75% by value of those Creditors voting, agree to accept your offer, then the IVA will become approved. The Arrangement will be binding on all Creditors at that stage, whether they voted or not.</li>\n <li>If necessary the Meeting of Creditors can be adjourned for up to 14 days to consider any revised offers, if applicable. </li>\n </ol><h2>What is the Time Frame of Setting Up an IVA? </h2>\n <p>The time stated in the table is the maximum number of days that is usually taken by our insolvency practitioners to process the paperwork and the timescale\'s dictated by the Court and Insolvency Act 1986.</p>\n <p>No allowance has been made for the length of time that it takes a client to return paperwork or file paperwork at Court, as this varies significantly from client to client.</p>\n \n </div>\n \n \n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n </div>\n \n\n \n \n \n</body>','Iva Time Frame','','inherit','closed','closed','','239-revision-v1','','','2017-08-24 12:30:47','2017-08-24 11:30:47','',239,'http://insolvency-service.co.uk/239-revision-v1',0,'revision','',0),(279,2,'2017-08-24 12:30:47','2017-08-24 11:30:47','<div id=\"content\">\n<h1> IVA Knowledge Base </h1>\n <p class=\"orange\">Common questions answered about IVAs. </p>\n <p> <span class=\"orange\">If you have a query not covered here, please call us or <a href=\"contact_action_question \">submit a question</a> for confidential advice about your own set of circumstances.</span></p>\n <p>The database currently contains \n 47 questions. \n \n <br/>More additions are being made on a daily basis.</p>\n \n \n <form action=\"iva_faq \" method=\"post\">\n <p> \n <input type=\"submit\" class=\"button\" value=\"search\"/><input name=\"keyword\" type=\"text\" size=\"30\"/></p>\n <p>Finds matches in Questions OR Answers. </p>\n </form>\n \n \n \n <h3 style=\"margin:0px \">1) Which debts can be included in an IVA ?</h3><p style=\"margin:0px;\">Normally, any unsecured debts can be included within an IVA. This inlcudes any overdrafts with your current bank and credit card balances.<br/><br/>\n In short, any service that your are no longer using, for which money is outstanding, has the potential for inclusion in an IVA proposal. For example, an outstanding bill for a disconnected mobile phone.<br/><br/>Personal debts to the Inland Revenue and VAT can also be included. </p><h3 style=\"margin:0px \">2) Which debts cannot be included in an IVA ?</h3><p style=\"margin:0px;\">\n Secured loans and items on Hire Purchase can\'t be included as part of an IVA.<br/><br/>\n The following debts cannot be included, but \"provisions\" can be made within the IVA propsal. By provisons we mean, the fact they are outstanding and must be paid impacts your ability to repay your creditors.\n </p><ul><li>Council Tax Arrears</li>\n <li>Any fine or penalties imposed by a court</li>\n <li>Any liabilities arising under an order made in a family or domestic court action such as CSA claims for child support.</li>\n <li>Any liabilities arising under a confiscation order made under S.1 of the Drug Trafficking Act 1986 0r S.71 of the Criminal Justice Act 1988.</li>\n <li>Most educational loans, taken out after June 2004, as they fall outside of the Insolvency Act 1986.</li>\n </ul><h3 style=\"margin:0px \">3) I live in rented property - Will my landlord find out about my IVA ?</h3><p style=\"margin:0px;\">Your landlord need not be aware of the IVA.\n</p><h3 style=\"margin:0px \">4) Will I have to pay fees ?</h3><p style=\"margin:0px;\">Although fees are charged for both setting up and supervising the IVA, they are taken out of monthly payments you have agreed to pay into the IVA. In other words your creditors bear the cost of an IVA. They are happy to do this as you are making a commitment to pay of your debts as best you can.</p><h3 style=\"margin:0px \">5) Are you regulated ?</h3><p style=\"margin:0px;\"> Our licensed Insolvency Practitioners are regulated by either:-\n</p><ul><li>Association of Chartered Certified Accountants (ACCA)</li>\n <li>Institution of Chartered Accountants of England and Wales (ICAEW)</li>\n <li>Department of Trade and Industry (DTI)</li>\n <li> Insolvency Practitioners Association (IPA) </li>\n </ul>\n Licensed insolvency practitioners are monitored regularly by their professional bodies. This ensures they are complying with the law and \nensures high standards are maintained.<h3 style=\"margin:0px \">6) Can I do an IVA without affecting my Property/House ?</h3><p style=\"margin:0px;\">In some circumstances your home may be excluded from the arrangement. However, should you have equity in your house, this will be taken into account when making an offer to creditors. You may have to release some of the equity in your property at some stage during the IVA.<br/><br/> Your creditors are only going to approve an IVA if they consider they will get more money back than via bankruptcy. If the equity in your property is more than your unsecured debts, then they could get it all back by bankrupting you, and forcing you to sell your home.\n</p><h3 style=\"margin:0px \">7) Can an IVA be settled early ?</h3><p style=\"margin:0px;\">Many IVAs end early with the introduction of a lump sum of money. We can arrange a variation meeting to offer a sum of money in full and final settlement of your obligations under the IVA. The new funds are typically raised by remortgage, inheritance, cashing in of policies etc. Creditors do support early settlements as they generally prefer to receive their money early than wait for payments over a five year period.</p><h3 style=\"margin:0px \">8) Can I obtain an IVA if a bankruptcy order has been made against me ?</h3><p style=\"margin:0px;\">Yes, if you have not been discharged from bankrptcy. It is possible to annul a bankruptcy and enter into an IVA if it is more appropriate.</p><h3 style=\"margin:0px \">9) Can one individual creditor refuse to accept an IVA ?</h3><p style=\"margin:0px;\">One creditor can stop the IVA if they are owed more than 25% of the debts. If more that 75% of your creditors by value approve the IVA, then any dissenting creditors are bound by the arrangement.</p><h3 style=\"margin:0px \">10) Will the IVA stop my creditors from taking further action against me ?</h3><p style=\"margin:0px;\">Once the IVA is in place, you are protected from further recovery action by the creditors scheduled in the IVA.</p><p class=\"summary\"> View Results: 1-10 <a href=\"iva_faq__startrow_11_newendrow_20_totalrows_47 \">11-20</a> <a href=\"iva_faq__startrow_21_newendrow_30_totalrows_47 \">21-30</a> <a href=\"iva_faq__startrow_31_newendrow_40_totalrows_47 \">31-40</a> <a href=\"iva_faq__startrow_41_newendrow_47_totalrows_47 \">41-47</a> </p> \n \n \n \n <hr/><br/><p><strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions. </p>\n </div>','Iva Faq','An Explaination of what an IVA is and the step involved in setting up an Individual Voluntary Arrangement','inherit','closed','closed','','240-revision-v1','','','2017-08-24 12:30:47','2017-08-24 11:30:47','',240,'http://insolvency-service.co.uk/240-revision-v1',0,'revision','',0),(280,2,'2017-08-24 12:30:47','2017-08-24 11:30:47','<div id=\"content\">\n<h1> IVA Knowledge Base </h1>\n <p class=\"orange\">Common questions answered about IVAs. </p>\n <p> <span class=\"orange\">If you have a query not covered here, please call us or <a href=\"contact_action_question \">submit a question</a> for confidential advice about your own set of circumstances.</span></p>\n <p>The database currently contains \n 47 questions. \n \n <br/>More additions are being made on a daily basis.</p>\n \n \n <form action=\"iva_faq \" method=\"post\">\n <p> \n <input type=\"submit\" class=\"button\" value=\"search\"/><input name=\"keyword\" type=\"text\" size=\"30\"/></p>\n <p>Finds matches in Questions OR Answers. </p>\n </form>\n \n \n \n <p class=\"summary\"> View Results: <a href=\"/\">1-10</a> 11-20 <a href=\"iva_faq__startrow_21_newendrow_30_totalrows_47 \">21-30</a> <a href=\"iva_faq__startrow_31_newendrow_40_totalrows_47 \">31-40</a> <a href=\"iva_faq__startrow_41_newendrow_47_totalrows_47 \">41-47</a> </p><h3 style=\"margin:0px \">11) Can I cancel the IVA once it is set up ?</h3><p style=\"margin:0px;\">An IVA is a legal process and, once it is set up, cannot be cancelled. However it will fail if you do not comply with the terms and your supervisor may take legal proceedings against you.</p><h3 style=\"margin:0px \">12) What happens if the IVA is not approved ?</h3><p style=\"margin:0px;\">You will have to come to an informal arrangement with your creditors (or use the services of a debt management company) to repay your debts or declare yourself bankrupt. It is unlikely that we would make an IVA proposal without high confidence of acceptance. \n</p><h3 style=\"margin:0px \">13) How are debts with joint liability treated with respect to an IVA, when only one of the debtors is applying for the IVA ?</h3><p style=\"margin:0px;\">There is no simple answer to this. It is at the discretion of the creditors and dependent upon individual circumstances. The creditor involved will be able to pursue the other party.\n</p><h3 style=\"margin:0px \">14) I understand that the IVA company take their fees from monies paid into the IVA. But who pays the fees for of the setting up the IVA in the case of its rejection ?</h3><p style=\"margin:0px;\">If we proposed an IVA which is rejected, then we bear the cost. You are not charged a penny. We have a very high acceptance rate (98%) and would not propose an IVA when we thought it would not be approved. However, if the IVA fails because you pull out, you will be charged a fee.</p><h3 style=\"margin:0px \">15) How much will I have to pay into the IVA ?</h3><p style=\"margin:0px;\">Monthly payments depend upon your disposable income rather than size of debt. This is what you have left with after reasonable monthly living expenses (excluding your debts) are taken from your monthly income. This figure will depend on your personal circumstances and will be agreed between you and your advisor. Normally the monthly payment will not be below £200</p>\n<h3 style=\"margin:0px \">16) Can I keep using my credit cards or take out a new loan during an IVA ?</h3><p style=\"margin:0px;\">No, During the IVA, you will not be able to use store or credit cards. Also, you will normally not be allowed to borrow more money. It may however be possible to change an existing mortgage while you are in an IVA. This must under the supervision of your insolvency practitioner (us).</p><h3 style=\"margin:0px \">17) If I have positive equity in my property, how does this affect my IVA application ?</h3><p style=\"margin:0px;\">If you have any equity in your property (or any other significant valuable assets), you may be required to release some or all of this as part of the IVA agreement.</p><h3 style=\"margin:0px \">18) What is the minimum number of Creditors required for an IVA ?</h3><p style=\"margin:0px;\">Usually 3 or more - but your advisor will talk you through it.</p><h3 style=\"margin:0px \">19) What if I unexpectedly come into some money during the IVA ?</h3><p style=\"margin:0px;\">This is usually called a windfall, for example, winning the lottery, an inheritance or large bonus payment. Your IVA will usually include a \'windfall\' clause that will require you to pay the money into your arrangement. In the event of bonus payments, or regular overtime, depending on their value, typically you will be required to share the benefit on a fifty-fifty basis with your creditors.</p><h3 style=\"margin:0px \">20) In terms of % amount of total debt. How many creditors need to attend the creditors meeting ?</h3><p style=\"margin:0px;\">Usually creditors do not attend the meeting, they vote by proxy, (meaning they register their vote without being there). Only one proxy is required.</p><p class=\"summary\"> View Results: <a href=\"/\">1-10</a> 11-20 <a href=\"iva_faq__startrow_21_newendrow_30_totalrows_47 \">21-30</a> <a href=\"iva_faq__startrow_31_newendrow_40_totalrows_47 \">31-40</a> <a href=\"iva_faq__startrow_41_newendrow_47_totalrows_47 \">41-47</a> </p> \n \n \n \n <hr/><br/><p><strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions. </p>\n </div>','Iva Faq Startrow 11 Newendrow 20 Totalrows 47','An Explaination of what an IVA is and the step involved in setting up an Individual Voluntary Arrangement','inherit','closed','closed','','241-revision-v1','','','2017-08-24 12:30:47','2017-08-24 11:30:47','',241,'http://insolvency-service.co.uk/241-revision-v1',0,'revision','',0),(281,2,'2017-08-24 12:30:47','2017-08-24 11:30:47','<div id=\"content\">\n<h1> IVA Knowledge Base </h1>\n <p class=\"orange\">Common questions answered about IVAs. </p>\n <p> <span class=\"orange\">If you have a query not covered here, please call us or <a href=\"contact_action_question \">submit a question</a> for confidential advice about your own set of circumstances.</span></p>\n <p>The database currently contains \n 47 questions. \n \n <br/>More additions are being made on a daily basis.</p>\n \n \n <form action=\"iva_faq \" method=\"post\">\n <p> \n <input type=\"submit\" class=\"button\" value=\"search\"/><input name=\"keyword\" type=\"text\" size=\"30\"/></p>\n <p>Finds matches in Questions OR Answers. </p>\n </form>\n \n \n \n <p class=\"summary\"> View Results: <a href=\"/\">1-10</a> <a href=\"iva_faq__startrow_11_newendrow_20_totalrows_47 \">11-20</a> 21-30 <a href=\"iva_faq__startrow_31_newendrow_40_totalrows_47 \">31-40</a> <a href=\"iva_faq__startrow_41_newendrow_47_totalrows_47 \">41-47</a> </p><h3 style=\"margin:0px \">21) I\'m considering an IVA, but my creditors are taking me to court. Can this be stopped ?</h3><p style=\"margin:0px;\">When the IVA proposal is prepared, the court is notified. This is usually sufficient to stop proceedings. If not, your advisor will write to the court and the creditors concerned on your behalf. Further steps can be taken if necessary.</p><h3 style=\"margin:0px \">22) Will an IVA affect my ability to obtain further credit ?</h3><p style=\"margin:0px;\">Until an IVA is completed it is a fundamental requirement that you do not incur further credit. Once complete there is no reason why an individual cannot apply successfully for credit.</p><h3 style=\"margin:0px \">23) Who can I speak to if I wish to complain ?</h3><p style=\"margin:0px;\"> We take complaints and customer service issues very seriously; should you feel the need to complain you can do so at our registered address. If you are not satisfied, you may take your complaint to any of the following:\n </p><h3 style=\"margin:0px \">24) Does the Insolvency Practitioner (i.e. ourselves) represent the Creditor or the Debtor ?</h3><p style=\"margin:0px;\">Neither. The role of the IP is to act as a go between to ensure there is a balance between what Creditors can reasonably demand and what a Debtor can reasonably be expected to pay.\n</p><h3 style=\"margin:0px \">25) Will I be able to hold public office Eg. Company Director ?</h3><p style=\"margin:0px;\">Unlike Bankruptcy, an IVA does not restrict your ability to hold positions such as a Justice of the Peace and Trustee of a School. However, there are certain restrictions in the case of a Company Director.</p><h3 style=\"margin:0px \">26) Can I arrange an IVA directly with my creditors ?</h3><p style=\"margin:0px;\">No. The arrangement takes the form of a contract that is legally binding. One of the key components of this is that your proposal of repayment is handled by a Nominee and the ongoing maintenance of the payment schedule is the responsibility of a Supervisor. In most cases the IP (Ourselves) will fulfil both of these roles.</p><h3 style=\"margin:0px \">27) Will I have to close my bank account ?</h3><p style=\"margin:0px;\">It is often good practice to arrange new banking facilities in order to establish a fresh start before embarking on an IVA. This is essential if your current banker holds a proportion of the debt that is to be placed in the IVA. Your advisor will let you have more information in respect of this.</p><h3 style=\"margin:0px \">28) Is it really true an IVA will guarantee to write off up to 75% of my debts ?</h3><p style=\"margin:0px;\">Yes, provided you keep to the terms of the arrangement, and all your debts are included in the proposal. Unlike debt management schemes, an IVA is a once and for all settlement of your debts (excluding the mortgages and secured loans).<br/>\n It is essential that you include all your debt in the proposal. Any excluded creditors may challenge the validity of the arrangement.\n <br/>\n Once the arrangement is successfully finished, your debts are written off permanently.</p><h3 style=\"margin:0px \">29) My partner/spouse and I have joint debts. Can they be considered together in the same IVA ?\n</h3><p style=\"margin:0px;\">Both of you will have to propose separate but linked IVA proposals. It also depends on how much debt is joint and how much you own independently of each other.\n An advisor can discuss this with you.</p><h3 style=\"margin:0px \">30) How will an IVA affect my credit rating ?</h3><p style=\"margin:0px;\">An IVA will be on your credit record for six years, the same length of time as any other adverse credit information.</p><p class=\"summary\"> View Results: <a href=\"/\">1-10</a> <a href=\"iva_faq__startrow_11_newendrow_20_totalrows_47 \">11-20</a> 21-30 <a href=\"iva_faq__startrow_31_newendrow_40_totalrows_47 \">31-40</a> <a href=\"iva_faq__startrow_41_newendrow_47_totalrows_47 \">41-47</a> </p> \n \n \n \n <hr/><br/><p><strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions. </p>\n </div>','Iva Faq Startrow 21 Newendrow 30 Totalrows 47','An Explaination of what an IVA is and the step involved in setting up an Individual Voluntary Arrangement','inherit','closed','closed','','242-revision-v1','','','2017-08-24 12:30:47','2017-08-24 11:30:47','',242,'http://insolvency-service.co.uk/242-revision-v1',0,'revision','',0),(282,2,'2017-08-24 12:30:48','2017-08-24 11:30:48','<div id=\"content\">\n<h1> IVA Knowledge Base </h1>\n <p class=\"orange\">Common questions answered about IVAs. </p>\n <p> <span class=\"orange\">If you have a query not covered here, please call us or <a href=\"contact_action_question \">submit a question</a> for confidential advice about your own set of circumstances.</span></p>\n <p>The database currently contains \n 47 questions. \n \n <br/>More additions are being made on a daily basis.</p>\n \n \n <form action=\"iva_faq \" method=\"post\">\n <p> \n <input type=\"submit\" class=\"button\" value=\"search\"/><input name=\"keyword\" type=\"text\" size=\"30\"/></p>\n <p>Finds matches in Questions OR Answers. </p>\n </form>\n \n \n \n <p class=\"summary\"> View Results: <a href=\"/\">1-10</a> <a href=\"iva_faq__startrow_11_newendrow_20_totalrows_47 \">11-20</a> <a href=\"iva_faq__startrow_21_newendrow_30_totalrows_47 \">21-30</a> 31-40 <a href=\"iva_faq__startrow_41_newendrow_47_totalrows_47 \">41-47</a> </p><h3 style=\"margin:0px \">31) Can my arrangement be brought to an early conclusion ?</h3><p style=\"margin:0px;\">Yes, a meeting of your creditors can be convened to offer a sum of money in full and final settlement of your obligations under the IVA. The sum of money could be raised by:<br/><br/></p><ol><li>Re-mortgaging your property.</li>\n <li>Funds from a relative or other third party.</li>\n <li> Cashing in life insurance policies (Subject to you obtaining expert investment advice). </li>\n</ol>\nCreditors are likely to agree to accept a lump sum to bring the arrangement to an early end if you can show that you are paying creditors as much as you can afford. \n<h3 style=\"margin:0px \">32) What sorts of people enter into IVAs ?</h3><p style=\"margin:0px;\">Simply people who cannot pay their debts. If you cannot pay your debts as they fall due, you are insolvent and the law gives you two alternatives - bankruptcy or an IVA. IVAs are entered into by a wide range of people with a common problem they cannot pay their debts.</p><h3 style=\"margin:0px \">33) What happens at the end of the agreement ?</h3><p style=\"margin:0px;\">As long as the terms of the proposals have been fully carried out, your creditors will have no further claim against you and the balance of any unpaid debts is written off. You will be provided with documentation to confirm that you have satisfactorily completed the IVA and a report will be sent to your creditors.</p><h3 style=\"margin:0px \">34) Can I stay in business ?</h3><p style=\"margin:0px;\">Yes, you can. IVAs have helped thousands of sole traders remain in business when faced with severe financial problems.</p><h3 style=\"margin:0px \">35) Can I enter into an IVA if I have already received a Statutory Demand ?</h3><p style=\"margin:0px;\">Yes, although we recommend that you contact an Insolvency Practitioner as soon as possible.</p><h3 style=\"margin:0px \">36) Do I have to meet the Insolvency Practitioner ?</h3><p style=\"margin:0px;\">You dont have to, but we appreciate that entering into an IVA is a big step and that many of our clients will want to meet the people who are dealing with their affairs. That is why we will always offer the opportunity for you to meet one of our representatives.</p><h3 style=\"margin:0px \">37) What if I fail to keep up the agreement ?</h3><p style=\"margin:0px;\">If you fall into difficulty and are unable to make the payments to your IVA, it is possible to agree a payment holiday with your creditors via ourselves. The months which you miss will normally be added to the end of the agreement. <br/>\n If during the period of your IVA your circumstances change for the worse, perhaps you change your job and earn less money, you may find that you cannot maintain the agreed payments. In these circumstances, the IP can ask your creditors if they will agree to vary the terms of your proposals. If up until that time, you have maintained your payments without problem, your creditors may be mindful to accept such changes.<br/><br/>Note, if you are unable to re-start your payments at all, it is likely that the IVA will fail. Your creditors will then be able to take other action against you and alternative arrangements must be made. <br/></p><h3 style=\"margin:0px \">38) What are the Disadvantages of an IVA?</h3><p style=\"margin:0px;\"/><ul><li><b>Possible release of home equity.</b><br/> If you have equity in your property, or any anything else of significant value. You may be required to release some or all of this as part of the IVA agreement. Please call us if your require more clarity on this.\n </li><li><b>Minimum debt and monthly repayments exclude many people.</b><br/> Normally can only do an IVA if your unsecured debt is more than £15,000 and you can afford a monthly payment of at least £200.\n </li><li><b>No unsecured borrowing. </b><br/>While you are in an IVA, you will not be able to use store or credit cards. You will normally not be allowed to borrow any more money until you have successfully completed your arrangement. It may however be possible to change an existing mortgage or take a new one while you are in an IVA.\n \n</li></ul><h3 style=\"margin:0px \">39) What if my circumstances change and i can afford to make increased payments during the IVA?</h3><p style=\"margin:0px;\">During your IVA, regular reviews of your circumstances and ability to maintain your monthly payments will be undertaken by you advisor. This is normally once a year. If it is agreed that your circumstances have not changed, then you will continue to make your monthly IVA payment as normal. If however your circumstances have changed for the better, you may be asked to increase your monthly payments accordingly.\n</p><h3 style=\"margin:0px \">40) What if my circumstances change and i can\'t afford agreed payments?</h3><p style=\"margin:0px;\">If you fall into difficulty and are unable to make the payments to you IVA (e.g. you loose your job or have a bad month), it is possible to agree a payment holiday with your advisor. Missed payments are normally be added to the end of the agreement. <br/><br/> During the IVA your circumstances may change for the worse (perhaps you change your job and earn less money), you may find that you cannot maintain the agreed payments. In these circumstances, your advisor can ask your creditors if they will agree to vary the terms of your proposals. If up until that time, you have maintained your payments without problem, your creditors are likely to accept such changes. <br/><br/>Note, if you are unable to re-start your payments at all, it is likely that the IVA will fail. Your creditors will then be able to take other action against you and alternative arrangements must be made.</p><p class=\"summary\"> View Results: <a href=\"/\">1-10</a> <a href=\"iva_faq__startrow_11_newendrow_20_totalrows_47 \">11-20</a> <a href=\"iva_faq__startrow_21_newendrow_30_totalrows_47 \">21-30</a> 31-40 <a href=\"iva_faq__startrow_41_newendrow_47_totalrows_47 \">41-47</a> </p> \n \n \n \n <hr/><br/><p><strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions. </p>\n </div>','Iva Faq Startrow 31 Newendrow 40 Totalrows 47','An Explaination of what an IVA is and the step involved in setting up an Individual Voluntary Arrangement','inherit','closed','closed','','243-revision-v1','','','2017-08-24 12:30:48','2017-08-24 11:30:48','',243,'http://insolvency-service.co.uk/243-revision-v1',0,'revision','',0),(283,2,'2017-08-24 12:30:48','2017-08-24 11:30:48','<div id=\"content\">\n<h1> IVA Knowledge Base </h1>\n <p class=\"orange\">Common questions answered about IVAs. </p>\n <p> <span class=\"orange\">If you have a query not covered here, please call us or <a href=\"contact_action_question \">submit a question</a> for confidential advice about your own set of circumstances.</span></p>\n <p>The database currently contains \n 47 questions. \n \n <br/>More additions are being made on a daily basis.</p>\n \n \n <form action=\"iva_faq \" method=\"post\">\n <p> \n <input type=\"submit\" class=\"button\" value=\"search\"/><input name=\"keyword\" type=\"text\" size=\"30\"/></p>\n <p>Finds matches in Questions OR Answers. </p>\n </form>\n \n \n \n <p class=\"summary\"> View Results: <a href=\"/\">1-10</a> <a href=\"iva_faq__startrow_11_newendrow_20_totalrows_47 \">11-20</a> <a href=\"iva_faq__startrow_21_newendrow_30_totalrows_47 \">21-30</a> <a href=\"iva_faq__startrow_31_newendrow_40_totalrows_47 \">31-40</a> 41-47 </p><h3 style=\"margin:0px \">41) Do I have to tell my Partner or Spouse?\n</h3><p style=\"margin:0px;\">If none of the debts are jointly in your partner\'s name, then you don\'t need to tell them. <br/>\n However, it is likely they will find out in the course of time, so we advise openness from the offset.</p><h3 style=\"margin:0px \">42) Why would a creditor allow my to write off a proportion of the money I owe and accept an IVA proposal?</h3><p style=\"margin:0px;\">The IVA must offer a higher return to creditors than could otherwise be expected if you were to be made bankrupt. Where contributions from income are being made, IVAs are generally expected to be for a period longer than that in bankruptcy, i.e 5 years as opposed to 3 years. The 5-year period is often required by creditors in return for allowing the Debtor to avoid the consequences of bankruptcy.\n</p><h3 style=\"margin:0px \">43) I have just over £15,000 of debt - Can you help me write off 75%?</h3><p style=\"margin:0px;\">No. Normally, you must pay at least £200 for 60 months when on an IVA, meaning that you must be able to pay back £12,000 over 5 years. To be able to write off 75%, you would had to have had at least £48,000 of debt and be able to demonstate to your creditors you can only afford £200 per month towards your IVA. Much of the the advertising around IVA is very misleading in this respect.</p><h3 style=\"margin:0px \">44) Are the terms of an IVA always fixed for the duration of the IVA ?</h3><p style=\"margin:0px;\">No. Anyone on an IVA will be subject to an annual review, contacted by IVA supervisor. If the Debtors circumstances change while the IVA is in place, then the terms of the IVA may to altered to take these changes into account. For example, an increase in income may result in IVA payments having to increase.\n</p><h3 style=\"margin:0px \">45) Can anyone with debts over £15,000 apply for an IVA?</h3><p style=\"margin:0px;\">\n No, you must be technically insolvent.<br/>\n There are two main tests of insolvency.\n</p><ul><li>Your liabilities (debts) are greater than your assets.</li>\n <li> You are unable to pay your debts as they fall due.</li>\n</ul>\nIf you are concerned about either of these situations you should seek advice on your financial position, as a solution is often achievable if the problems are dealt with quickly.<h3 style=\"margin:0px \">46) How will the monthly IVA payments be made?</h3><p style=\"margin:0px;\">A standing order will be set up from your bank account to an account held by us that will be used to collect and monitor your IVA payments. </p><h3 style=\"margin:0px \">47) Why do some companies seem to offer IVAs for debts of £12,000 or even less?</h3><p style=\"margin:0px;\"> </p><p>There are 2 reasons for this:-</p>\n <ul><li>It\'s just pure marketing. When looking for debt help, many people underestimate their debt by as much as 30%. So people thinking they owe just £12,000 often owe much more an do qualify for an IVA. </li>\n <li>Most, if not all IVA companies have an agreement with a debt management company. If they get the details of a debtor not qualifying for an IVA, but suitable for debt management, then it make good business sense to either sell the lead or swap it for potential IVA cases. </li>\n </ul><p class=\"summary\"> View Results: <a href=\"/\">1-10</a> <a href=\"iva_faq__startrow_11_newendrow_20_totalrows_47 \">11-20</a> <a href=\"iva_faq__startrow_21_newendrow_30_totalrows_47 \">21-30</a> <a href=\"iva_faq__startrow_31_newendrow_40_totalrows_47 \">31-40</a> 41-47 </p> \n \n \n \n <hr/><br/><p><strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions. </p>\n </div>','Iva Faq Startrow 41 Newendrow 47 Totalrows 47','An Explaination of what an IVA is and the step involved in setting up an Individual Voluntary Arrangement','inherit','closed','closed','','244-revision-v1','','','2017-08-24 12:30:48','2017-08-24 11:30:48','',244,'http://insolvency-service.co.uk/244-revision-v1',0,'revision','',0),(284,2,'2017-08-24 12:30:49','2017-08-24 11:30:49','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"\"></a></div><div id=\"logo\"><a href=\"\"></a></div><div id=\"phone\">Open Today - <strong>8am until 9pm</strong> </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n \n </div> <div id=\"maincontent\">\n \n <h1>Privacy Policy</h1>\n<p><br />\nUnder the Data Protection Act 1998, we have a legal duty to protect information we collect from you, and tell you how we use this information. </p>\n<p>We collect two kinds of information from visitors to this website </p>\n<ul><li><strong>Personal Information</strong> via telephone & submitted enquiries. </li>\n<li><strong>Site Usage Information</strong> from cookies and log files. </li>\n</ul><hr /><h2>How We Use Your <strong>Personal Information. </strong></h2>\n<p>In making an enquiry on this website, you are submitting personal information. We will use your information for marketing purposes now or in the future regarding the service you have requested from us. </p>\n<p><strong>Marketing Preferences </strong><br />\nYou have a legal right to instruct us not to contact you for marketing purposes.<br />\nTo do so, please write to:<br />\nCompliance<strong>,</strong> , Nelson House, Park Rd, Timperley, Cheshire, WA14 5BZ.</p>\n<p><strong>Access To Your Information<br /></strong>You have a legal right to see any information we hold about you. <br />\nTo see your records, please write to: <br />\nCompliance<strong>,</strong> , Nelson House, Park Rd, Timperley, Cheshire, WA14 5BZ.</p><hr /><h2>How we use <strong>Site Usage Information.</strong></h2>\n<p><strong>Cookies<br /></strong>A cookie is a small amount of data, which often includes an anonymous identifier that is sent to your browser from a website\'s computer and stored on your computer\'s hard drive. Each website can send its own cookie to your browser if your browser\'s preferences allow it, but (to protect your privacy) your browser only permits a web site to access the cookies it has already sent to you, not the cookies sent by other sites.</p>\n<p><strong>Our Use of Cookies</strong><br />\nThis website uses a cookie to track individual users around our site and to recognise them should they visit this site on more than once. This does not track nor record personal information that could be used to identify you. We use this information for analytical purposes only. Most browsers can be set not to accept cookies within their privacy settings.\n<script><![CDATA[\nif (document.all)\nvar version=/MSIE d+.d+/\nif (!document.all)\ndocument.write(\" The type of browser you are using is <b>\"+navigator.appName+\" \"+navigator.userAgent+\"\")\nelse\ndocument.write(\" The type of browser you are using is <b>\"+navigator.appName+\" \"+navigator.appVersion.match(version)+\"\")\n]]></script></p>\n<p><strong>Log Files<br /></strong>Like Cookies, log files allow us to record usage of this site. We use this information for analytical purposes as understanding patterns of user behavour helps us improve our website. Log files do not contain personal information and they are not used to identify individual patterns of use of the site.</p>\n<hr /><h1>Disclaimer</h1>\n<p>The material on this website is for general information only and should not be relied upon make important decisions. Call Freephone advice on 0800 043 2444 for free professional advice about your own particular situation. </p>\n<h1>External Links</h1>\n<p>This website contain links to other websites.<br />\nWe are not responsible for the content of external internet sites, nor their privacy policies.</p>\n<p><br /><strong>End of Privacy Statement </strong></p> \n </div>\n </div>\n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Open Today - <strong>8am until 9pm</strong></b></p>\n</div>\n\n </div>\n \n</body>','Privacy','','inherit','closed','closed','','245-revision-v1','','','2017-08-24 12:30:49','2017-08-24 11:30:49','',245,'http://insolvency-service.co.uk/245-revision-v1',0,'revision','',0),(285,2,'2017-08-24 12:30:49','2017-08-24 11:30:49','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"\"></a></div><div id=\"logo\"><a href=\"\"></a></div><div id=\"phone\">Lines Open 24 Hours </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n \n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n \n \n <h1>PVA\'s - Parnership Voluntary Arrangements</h1>\n <p class=\"summary\">A PVA is a formal insolvency procedure enabling a partnership to make a proposal to its creditors regarding payment of debts, or a scheme of recovery for the business interests involved.</p>\n \n \n <p>A PVA is similar to a Company Voluntary Arrangement in that it is a formal arrangement with the partnership\'s creditors for an agreed duration and under terms agreed with creditors.</p>\n<p>Should a partnership find itself in a position where it is insolvent or experiencing severe cash flow problems, but has a viable business which will generate profits by trading on, there are a number of options available to the partners and/or the creditors under the provisions of the Insolvency Act 1986 and the IPO, such as the formal winding-up of the partnership as an unregistered company (possibly in conjunction with the bankruptcy of one or more of the partners), a partnership administration order (which is similar in procedure and effect to a standard administration order) or a PVA (possibly in conjunction with interlocking individual voluntary arrangement\'s (\'IVA\') of one, some or all of the partners).</p>\n<p>In the case of a PVA, if approved by creditors, the partnership will be protected from the actions of its creditors to allow it to continue its business. The PVA may be approved by creditors on basis that it gives the partnership a certain time frame to realise an asset and/or to make contributions from future profits for a set period, with a view to achieving a recovery to creditors, which may not be available in the case of a winding-up of the partnership.</p>\n<p>In a PVA, (unlike the procedure for IVA\'s) there is no protective interim order so consideration should be given to first obtaining an administration order in respect of the partnership, to obtain protection from creditors prior to implementing a PVA. This would depend upon the level of creditor pressure at the time.</p>\n<h3>Implementing a PVA </h3>\n<p>The procedure for implementing a PVA is relatively straightforward, although the proposals for the arrangement can be detailed and, depending upon the partnership\'s affairs, may be complex to draft. The partners of the firm must propose the PVA and, dependent upon the partnership deed, it is likely that unanimous approval is required. A qualified insolvency practitioner is appointed and acts as nominee and will assist and advise the partners in completing proposals to creditors, which will include details of the partnership\'s and partners\' individual financial affairs. The nominee will report to the court on the proposals and a copy of the report, together with the proposals, will be sent to all creditors, giving at least fourteen days notice for a meeting for creditors to consider and vote on the proposals.</p>\n<p>At the meeting the proposals will be approved if 75% majority in value of the creditors present in person or by proxy vote for acceptance of the PVA. It should be noted that if more than 50% in value of non-connected creditors vote for rejection of the PVA, it will fail (connected creditors would include employees of the partnership, other partners and their relatives). Once the proposal has been approved, it becomes binding on all creditors who have notice of the meeting of creditors. Secured creditors will not, however, be bound unless they give their express consent. Preferential creditors will be bound if the proposal does not affect their priority or their relative dividend entitlement. The nominee, or another person appointed in his place, will then supervise the implementation of the arrangement.</p>\n<p>Once the arrangement is in place the partners will retain management of the partnership and the supervisor will monitor the arrangement and ensure that the terms of the proposals are adhered to. It will also be necessary for the supervisor to agree creditors\' claims and to distribute funds as and when appropriate.</p>\n<h3>PVA Pros and Cons</h3>\n<p>The main benefit of the PVA is that once it has been approved by creditors, and assuming the partnership complies with the terms of the arrangement, the partnership creditors are unable to pursue the partners\' individual estates for payment of any shortfall under the PVA. Other benefits of this procedure are that in the cases of larger partnerships, implementing interlocking IVA\'s for all of the partners may be difficult or impossible to administer.</p>\n<p>It is also likely that, particularly in the case of professional partnerships, in view of the fact that any value for goodwill will be tied up in the partners themselves and their ability to generate fees, trading on will probably enhance realisations. In addition, by avoiding bankruptcy proceedings from the partnership creditors, in the case of professional partnerships the partners may avoid expulsion from their recognised public bodies, which could result in an inability to continue working in their profession.</p>\n<p>The disadvantages ofan PVA; are that unlike an IVA there is no interim order so the partnership may be forced to consider an administration order to obtain protection from creditors, pending the implementation of the PVA. An administration order is costly to obtain and may only be appropriate in the case of larger partnerships. A further disadvantage is that the PVA will not protect the partners from the actions of their personal creditors.</p>\n \n </div>\n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n </div>\n \n \n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Lines Open 24 Hours</b></p>\n</div>\n\n \n \n</body>','Pva','','inherit','closed','closed','','246-revision-v1','','','2017-08-24 12:30:49','2017-08-24 11:30:49','',246,'http://insolvency-service.co.uk/246-revision-v1',0,'revision','',0),(286,2,'2017-08-24 12:30:49','2017-08-24 11:30:49','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"\"></a></div><div id=\"logo\"><a href=\"\"></a></div><div id=\"phone\">Open Today - <strong>8am until 9pm</strong> </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n \n </div> <div id=\"maincontent\">\n \n <h1> Terms and Conditions</h1>\n <p class=\"summary\">Term and Conditions of usage of this website.</p>\n <p>Although we have attempted to provide accurate information on this website, accepts no responsibility for the accuracy of the information. All information has an informative character and is made available \"as is\". We do not guarantee nor warrant the correctness, suitability, reliability and accuracy of the information. </p>\n <p>Due to the complexities of UK Insolvency Law, the outlines given here are not to be considered complete.</p>\n <p><strong>Do not make any importance decisions based on the information contained herein alone.</strong></p>\n <p>Each case requiring professional advice is made up of a set of individual circumstances. You should seek professional advice, specific to your own circumstances before making and important decisions.</p>\n <h3>External Links</h3>\n <p>This site contains links to other we sites, and we are not responsible for the content or privacy practices of any linked sites.</p>\n <p class=\"homepage\"> </p>\n </div>\n </div>\n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Open Today - <strong>8am until 9pm</strong></b></p>\n</div>\n\n </div>\n \n</body>','Terms','','inherit','closed','closed','','247-revision-v1','','','2017-08-24 12:30:49','2017-08-24 11:30:49','',247,'http://insolvency-service.co.uk/247-revision-v1',0,'revision','',0),(287,2,'2017-08-24 12:30:49','2017-08-24 11:30:49','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"\"></a></div><div id=\"logo\"><a href=\"\"></a></div><div id=\"phone\">Open Today - <strong>8am until 9pm</strong> </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n \n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n <h1>What is a Trust Deed ?</h1>\n <p class=\"summary\">A Trust Deed is similar to an IVA, but is used in Scotland. A Trust Deed is a formal agreement between you and your creditors. It passes your assets and property to a Trustee to be administered for the benefit of creditors and the payment of debts.</p>\n <p>Sequestration is the Scotish law version of Bankruptcy. This not the only solution for serious debt problems. </p>\n <h3>Advantages of a Trust Deed over Sequestration</h3>\n <ul><li>Debts are frozen at the date you sign the Trust Deed. Creditors should direct correspondence to the Trustee rather than you. </li>\n <li>You can still have a bank account. This is usually an instant access type account where you can use a cash card but no cheque book, cheque card or overdraft facility. We have a list of instant access bank accounts that may be suitable. </li>\n <li>Any monthly payment based on your earnings may be increased or decreased if your circumstances change. </li>\n </ul><h3>Restrictions of a Trust Deed</h3>\n <ul><li>You cannot take out credit over £250 during the Trust Deed period. </li>\n <li>Only the creditors who agree to the terms are bound by the Trust Deed. Those not agreeing can still carry out various forms of enforcement available to them, including petitioning for your bankruptcy. </li>\n <li>If you do not cooperate with the Trustee, they can try to make you bankrupt </li>\n <li>You cannot be a director of a limited company. </li>\n </ul><p>The <strong>Trustee</strong> must be a qualified Insolvency Practitioner. </p>\n <h3>Protected Trust Deed</h3>\n <p>Providing it meets certain conditions, a Trust Deed may be recorded in the Register of Insolvencies as a Protected Trust Deed. This prevents the creditor from making you bankrupt so long you stick to the terms of the Trust Deed.</p>\n <h3>Frequently Asked Questions.</h3>\n <p><strong>Are the creditors bound by the terms of the trust deed? </strong><br />\n No, only those creditors who agree to its terms. </p>\n <p><strong>Can those creditors who do not agree to the trust deed take action to recover their debts? </strong><br />\n Yes, they can still carry out the various form of diligence available to them, including petitioning for your sequestration. </p>\n <p><strong>Can I prevent diligence being taken against me by creditors who do not agree to the trust deed? </strong><br />\n Yes, by having the trust deed registered as a protected trust deed. </p>\n <p><strong>How does a trust deed become a protected trust deed? </strong><br />\n The Trustee publishes a notice in the Edinburgh Gazette and writes to all the creditors enclosing a copy of the notice and of the trust deed and advising them that the trust deed is to become protected. Unless, within 5 weeks of the date of the notice, written objections are made by a majority in number of creditors, or from creditors representing not less than one third of the total debts, the trust deed automatically becomes protected. </p>\n <p><strong>Who pays for the costs of setting up and administering the trust deed?</strong><br />\n All costs must be met from the estate transferred by the trust deed or from your earnings. </p>\n <p><strong>How much must I owe before a trust deed can be signed?</strong><br />\n There is no minimum or maximum amount of debt. </p>\n <p><strong>Are the terms of the trust deed prescribed by law?</strong><br />\n No, the trust deed can contain any terms, which are likely to be acceptable to the creditors, and it is possible to enter into a trust deed, which does not transfer all of the assets, but such a trust deed cannot become a protected trust deed and may not be acceptable to all the creditors. However, if the trust deed is to become a protected trust deed, it must transfer everything the debtor owns except household goods and current income. There are standard forms of trust deed commonly in use, which meet the requirements for a protected trust deed. </p>\n <p><strong>Once the trust deed has been signed, what further obligations do I have to the Trustee or to my creditors?</strong><br />\n You must co-operate with the Trustee and comply with the terms of the trust deed. You may be required to make a contribution to the estate from your earnings. The Trustee will deal with your creditors. </p>\n <p><strong>What can happen if I fail to co-operate with my Trustee?</strong><br />\n The Trustee can petition for your sequestration. The Trustee can also petitionfor your sequestration if he considers that would be in the better interests of your creditors, for example, by obtaining the greater statutory powers available to a Trustee in sequestration. </p>\n <p><strong>Is it possible for me to sign a trust deed even if I have no assets?</strong><br />\n Yes, if you are prepared to pay a proportion of your earnings to the Trustee; there must however be some benefit to your creditors. </p>\n <p><strong>What happens if a majority of my creditors object to my trust deed becoming protected?</strong><br />\n Provided you owe at least £1,500 and have not been sequestrated in the previous 5 years, the rejection by the creditors of a trust deed which was eligible to become a protected trust deed would be sufficient grounds for you to petition for your own sequestration, if you so wished. See also booklets AB1 and AB2. The fact that you have signed a trust deed would also entitle any creditor, or creditors, to whom you owe not less than £1,500, to petition for your sequestration in the 5 week period before the trust deed becomes protected. If however it is not superseded by your sequestration, a trust deed will continue to operate even if it does not become a protected trust deed. </p>\n <p><strong>When will I be discharged from my debts?</strong><br />\n Provisions for your discharge will usually be included in the terms of the trust deed and is normally allowed 3 years after the date of granting. If the trust deed becomes protected, your discharge will be binding on all of your creditors. If the trust deed does not become protected, your discharge will only be binding on those creditors who agreed to it and they would still be able to pursue you for repayment. </p>\n <p><strong>Does all my property have to be transferred to the Trustee?</strong><br />\n Yes, but only if the trust deed is intended to become a protected trust deed; otherwise it is possible to withhold some of your assets. Such an arrangement may not however be acceptable you your creditors. Property which is transferred to the Trustee may be sold by him whenever it is in the interest of your creditors for him to do so. </p>\n <p><strong>Can the Trustee sell my house?</strong><br />\n The Trustee can sell all property which has been transferred to him by the trust deed; however, if your house is jointly owned or if it is a family home, the Trustee will need the consent of the co-owner of anyone else who has occupancy rights in the house. </p>\n <p><strong>Can I hold other public offices?</strong><br />\n Yes; however, the regulations governing some public bodies debar from holding office anyone who has signed a trust deed or entered into an arrangement with his creditors; you should check with the body concerned. </p>\n <p><strong>Will the signing of a trust deed result in my being black-listed by credit reference agencies?</strong><br />\n Yes, if the trust deed becomes protected because it will have been advertised in the Edinburgh Gazette. In other cases the agencies may become aware of your insolvency from other sources, e.g. from your creditors. </p>\n <p><strong>When I am discharged, do I get my property back?</strong><br />\n No. Once you have transferred assets to your Trustee, it becomes his duty in law to sell them for the benefit of your creditors. The trust deed continues to operate after your own discharge so long as there are assets for the Trustee to manage or realise. </p>\n </div>\n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n </div>\n \n \n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Open Today - <strong>8am until 9pm</strong></b></p>\n</div>\n\n \n\n</body>','Trust Deeds','','inherit','closed','closed','','248-revision-v1','','','2017-08-24 12:30:49','2017-08-24 11:30:49','',248,'http://insolvency-service.co.uk/248-revision-v1',0,'revision','',0),(288,2,'2017-08-24 12:30:49','2017-08-24 11:30:49','<body>\n<div id=\"container1\">\n <a name=\"bankruptcy\" id=\"bankruptcy\"></a>\n<div id=\"pageName\">\n <h1>Bankruptcy Advice & IVA Specialists</h1> \n</div>\n<div id=\"utility\">\n </div><div id=\"header\">\n<div id=\"abacus\"><a href=\"\"></a></div><div id=\"logo\"><a href=\"\"></a></div><div id=\"phone\">Lines Open 24 Hours </div>\n</div>\n <div id=\"contentwrap\">\n <div id=\"leftcol\">\n\n \n </div> <div id=\"maincontent\">\n <div id=\"pageleft\">\n <h1>What is an IVA ?</h1>\n <p class=\"summary\">An IVA is a legal process for residents of England and Wales who have <strong>unaffordable debt repayments</strong>. It is a formal agreement between you and your creditors whereby you repay as much as you can afford, usually over 5 years, after which, any outstanding debt is written off.</p>\n <h2>What can an Abacus IVA do for me ? </h2>\n <ul><li><strong>Reduce debt by up to 70%</strong><br />\n You only repay what is affordable after taking into account your personal circumstances.</li>\n <li><strong>Guarantee debt freedom in 5 years. </strong><br />\n In 60 months you will be debt free, the rest is written off. <br />\n This is dependant on approval of 75% (by value of the debt) of your creditors, and provided you maintain the payment schedule.</li>\n <li><strong>Stop interest and charges</strong>.<br />\n Your debts will not increase and interest will be frozen.<br /></li>\n <li><strong>Stop harassment.</strong><br />\n Stops creditors and debt collectors from chasing you.</li>\n <li><strong>Stop court action.</strong><br />\n Can stop bankruptcy proceedings and bailiffs</li>\n <li><strong>Possibly help you, where other IVA companies could not. \n </strong><br />\n Our costs are low, so creditors get more of the money you pay into the IVA.\n Therefore were are able to assist many people other IVA companies can not. See <a href=\"IVA-Fees-Costs \">IVA costs</a> for further explanation. </li>\n </ul><h2>Affordable payments </h2>\n <p>With the help of one of our advisors, you calculate how much you can realistically afford to pay back each month. </p>\n <p> If <strong>*</strong>75% of your creditors accept your offer, then the IVA is officially in place. This is legally binding . At this point, the value of your debt is frozen and you will not be subject to further interest or charges. </p>\n <p class=\"bookmark\"><strong>*</strong>\"<em>75% of your creditors</em>\", means 75% by value of the debt. If you owe £40,000, then creditors to whom you own at least £30,000 of this debt is 75% of your creditors by value. This does not mean if you owe to 8 creditors, then any 6 must agrees to your IVA proposal. It may be the case that only 4 out of 8 would account for 75% of the debt by value. </p>\n <p>If you are confident you can maintain the agreed monthly payment, an Abacus IVA could be the solution for you.</p>\n <h2>IVA\'s do not cost you anything. </h2>\n<p>There are costs involved in setting up and IVA as the work of an insolvency professional is not free. However, fees are deducted from the money paid to your creditors, hence they bear the cost. Fees are not added to your payments. However fees charged by an IVA company are a factor in the success or failure of an IVA proposal. See <a href=\"IVA-Fees-Costs \">IVA Fees and Costs</a> for more details. </p>\n<h2>I\'m considering an IVA - What Next ? </h2>\n<p>Call us or submit the <strong>Instant Advice </strong>form. We will need to ask you about your financial circumstances. Only if we consider an IVA to be in your best interests would the reccommend a formal proposal. Once you have instructed use to act, we will- </p>\n<ul><li>Prepare all the paper work.</li>\n <li>Contact all your creditors.</li>\n <li>Request creditors suspend any court or legal action.</li>\n <li>Request creditors freeze interest and other charges at this time. </li>\n <li>Draft your offer based on the information you have provided. When you are happy with the proposal, sign and return it to us.</li>\n <li>Perform the administration process on your behalf.</li>\n </ul><p>You do not have to attend the court or be involved in meetings or negotiations with creditors. </p>\n<p><strong>For those that qualify, an IVA can be the best method to sort out serious debt problems, especially if you are a homeowner with equity to protect. </strong></p>\n<h2>More information on IVA\'s</h2>\n<ul><li><a href=\"IVAProsCons \">IVA Pros and Cons </a>\n <p>Advantages and Disadvantage compared to with Debt Management, Bankruptcy and Debt Consolidation Loans.</p></li>\n <li> <a href=\"IVA-Fees-Costs \">IVA costs and Charges. </a>\n <p>Read how varying Insolvency Practitioner / IVA company fees impacts the chances of success of an IVA case. </p>\n </li>\n <li>\n <a href=\"Bankruptcy-IVA-Comparison \">IVA or Bankruptcy ?</a>\n <p>Differences between and IVA and Bankruptcy explained.</p>\n </li>\n <li>\n <a href=\"iva-faq \">IVA Frequently Asked Questions </a>\n <p>A database of IVA questions & answers prepared by our team of Insolvency Practitioners.</p>\n </li>\n</ul></div>\n \n \n value=\"5000\">£5K to £10K \n <option value=\"10000\">£10K to £15K </option><option value=\"15000\">£15K to £20K </option><option value=\"20000\">£20K to £30K </option><option value=\"30000\">£30K to £50K </option><option value=\"50000\">Over £50K </option></div>\n \n </div>\n <center>\n <input type=\"submit\" value=\"Submit\" class=\"mybutton\" /></center>\n \n \n \n </div>\n \n \n \n \n \n \n \n \n \n \n <div id=\"BottomPhone\">\n\n<p>\nTrained advisors waiting to take your call.<br /><b>Lines Open 24 Hours</b></p>\n</div>\n\n \n \n</body>','What Is An Iva','Bad, Credit, Loans, Bad Credit Unsecured Loans','inherit','closed','closed','','249-revision-v1','','','2017-08-24 12:30:49','2017-08-24 11:30:49','',249,'http://insolvency-service.co.uk/249-revision-v1',0,'revision','',0),(289,2,'2017-08-24 12:33:33','2017-08-24 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11:34:51','',0,'http://insolvency-service.co.uk/?page_id=334',0,'page','',0),(335,2,'2017-08-24 12:34:51','2017-08-24 11:34:51','','contact_action_question','','inherit','closed','closed','','334-revision-v1','','','2017-08-24 12:34:51','2017-08-24 11:34:51','',334,'http://insolvency-service.co.uk/334-revision-v1',0,'revision','',0),(336,2,'2017-08-24 12:36:57','2017-08-24 11:36:57','<div id=\"content\">\r\n<h1>IVA Knowledge Base</h1>\r\n<form action=\"iva_faq \" method=\"post\"><input class=\"button\" type=\"submit\" value=\"search\" />\r\n\r\n</form>\r\n<h3 style=\"margin: 0px;\">41) Do I have to tell my Partner or Spouse?</h3>\r\n<p style=\"margin: 0px;\">If none of the debts are jointly in your partner\'s name, then you don\'t need to tell them.\r\nHowever, it is likely they will find out in the course of time, so we advise openness from the offset.</p>\r\n\r\n<h3 style=\"margin: 0px;\">42) Why would a creditor allow my to write off a proportion of the money I owe and accept an IVA proposal?</h3>\r\n<p style=\"margin: 0px;\">The IVA must offer a higher return to creditors than could otherwise be expected if you were to be made bankrupt. Where contributions from income are being made, IVAs are generally expected to be for a period longer than that in bankruptcy, i.e 5 years as opposed to 3 years. The 5-year period is often required by creditors in return for allowing the Debtor to avoid the consequences of bankruptcy.</p>\r\n\r\n<h3 style=\"margin: 0px;\">43) I have just over £15,000 of debt - Can you help me write off 75%?</h3>\r\n<p style=\"margin: 0px;\">No. Normally, you must pay at least £200 for 60 months when on an IVA, meaning that you must be able to pay back £12,000 over 5 years. To be able to write off 75%, you would had to have had at least £48,000 of debt and be able to demonstate to your creditors you can only afford £200 per month towards your IVA. Much of the the advertising around IVA is very misleading in this respect.</p>\r\n\r\n<h3 style=\"margin: 0px;\">44) Are the terms of an IVA always fixed for the duration of the IVA ?</h3>\r\n<p style=\"margin: 0px;\">No. Anyone on an IVA will be subject to an annual review, contacted by IVA supervisor. If the Debtors circumstances change while the IVA is in place, then the terms of the IVA may to altered to take these changes into account. For example, an increase in income may result in IVA payments having to increase.</p>\r\n\r\n<h3 style=\"margin: 0px;\">45) Can anyone with debts over £15,000 apply for an IVA?</h3>\r\n<p style=\"margin: 0px;\">No, you must be technically insolvent.\r\nThere are two main tests of insolvency.</p>\r\n\r\n<ul>\r\n <li>Your liabilities (debts) are greater than your assets.</li>\r\n <li>You are unable to pay your debts as they fall due.</li>\r\n</ul>\r\nIf you are concerned about either of these situations you should seek advice on your financial position, as a solution is often achievable if the problems are dealt with quickly.\r\n<h3 style=\"margin: 0px;\">46) How will the monthly IVA payments be made?</h3>\r\n<p style=\"margin: 0px;\">A standing order will be set up from your bank account to an account held by us that will be used to collect and monitor your IVA payments.</p>\r\n\r\n<h3 style=\"margin: 0px;\">47) Why do some companies seem to offer IVAs for debts of £12,000 or even less?</h3>\r\nThere are 2 reasons for this:-\r\n<ul>\r\n <li>It\'s just pure marketing. When looking for debt help, many people underestimate their debt by as much as 30%. So people thinking they owe just £12,000 often owe much more an do qualify for an IVA.</li>\r\n <li>Most, if not all IVA companies have an agreement with a debt management company. If they get the details of a debtor not qualifying for an IVA, but suitable for debt management, then it make good business sense to either sell the lead or swap it for potential IVA cases.</li>\r\n</ul>\r\n<p class=\"summary\"></p>\r\n\r\n\r\n<hr />\r\n\r\n<strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions.\r\n\r\n</div>','IVA Knowledge Base 2017','An Explaination of what an IVA is and the step involved in setting up an Individual Voluntary Arrangement','inherit','closed','closed','','244-revision-v1','','','2017-08-24 12:36:57','2017-08-24 11:36:57','',244,'http://insolvency-service.co.uk/244-revision-v1',0,'revision','',0),(338,2,'2017-08-24 12:48:24','2017-08-24 11:48:24','<div id=\"container1\">\r\n<div id=\"pageName\">\r\n<h1>Bankruptcy Advice & IVA Specialists</h1>\r\n</div>\r\n<div id=\"contentwrap\">\r\n<div id=\"maincontent\">\r\n<div id=\"pageleft\">\r\n<h1>Bankruptcy & Bank Accounts</h1>\r\n<p class=\"summary\">When a bankruptcy order is made, the bankrupt must stop using their cheque book and bank cards, and immediately surrender them to the Official Receiver.</p>\r\nAccounts are normally frozen by the bank when they learn about the bankruptcy order.\r\n\r\nTherefore, you need to make arrangements need to be made with your existing bank to receive money and pay standing orders, direct debits etc. Opening a new bank account just before the bankruptcy order is made is not advised as this account will also be frozen.\r\n\r\nSome banks allow bankrupts to continue to use existing accounts. Even if the bank agrees to this, they will freeze the account when they become aware of the bankruptcy order.\r\n<h2>Bank Accounts in Credit at Bankruptcy</h2>\r\nMoney in an account at the date of the bankruptcy order is an <strong>asset</strong> in the bankruptcy. The Offical Receiver may allow the use of some of this money for essential living expenses.\r\n\r\nIn the case where the<strong> bank account is in joint names</strong>, the Offical Receiver decides how much of the money to release to each of the joint account holders.\r\n<h2>Bank Accounts Overdrawn at Bankruptcy</h2>\r\nAny overdraft or outstanding balance on credit cards is a <strong>debt</strong> in the bankruptcy. Therefore, payments must not be paid directly to the bank, unless it is a secured debt. This is because the bankrupt would be giving the bank preferential treatment over other creditors. The Offical Receiver decides which debts are paid and, in which proportions.\r\n\r\nFor bank account is in joint names, all parties are jointly responsible for the whole debt. This is the same for any joint credit agreement. Therefore the bank can ask the joint account holder facing bankruptcy to pay all the money owed.\r\n<h2>Bank Accounts During Bankruptcy.</h2>\r\nDuring the bankruptcy, the bank may permit usage of existing accounts after they have consulted the Official Receiver.\r\n\r\nA non discharged bankrupt can apply to open a new Bank/ Building society account, but they must inform the bank they are a serving bankrupt.\r\n\r\nBanks/Building Societies are not obliged to grant an account, but if so, it is likely to be a basic account without credit facilities. Banks are required by law to offer a basic bank account product. However, due to their nature, not much money can be made from such accounts. Therefore, these types of accounts are not pushed like the more profitable credit baring accounts and the consumer is often unaware of their existance.\r\n\r\nSee the document to the right for details of the basic bank accounts offered by the UK leading banks and building societies.\r\n\r\nServing Bankrupts do not need to tell the Offical Receiver or Trustee about any new account opened after the date of the bankruptcy order unless asked about it. Nor are they obliged to advise the Offical Receiver or Trustee about money in any new account not amounting to more than needed for reasonable living expenses.\r\n<div id=\"IVAadvice\">\r\n<h2>Bank Accounts and an IVA</h2>\r\n<strong>Will I have to close my bank account ?</strong>\r\nIf you have debts with your bank, they can take money from where your wages are paid into, whether you can afford it or not. This is called the <b>Right To Offset.</b> Such debts can be in the form of an overdraft, credit card balence or personal loan.\r\n\r\nTherefore you must arrange new banking facilities before embarking on an IVA if your current bank holds some of the debt that is to be placed in the IVA.\r\n\r\nPeople entering into an IVA normal already have some adverse credit history and find it difficult to getting an application to open a conventional bank accepted. In that case you need to open a non-credit bearing basic account. As an IVA is a private matter, your new bank does not need to about your IVA. We can advise you further on this matter.\r\n\r\n</div>\r\n</div>\r\n</div>\r\n</div>\r\n</div>','Bank Accounts','','inherit','closed','closed','','213-revision-v1','','','2017-08-24 12:48:24','2017-08-24 11:48:24','',213,'http://insolvency-service.co.uk/213-revision-v1',0,'revision','',0),(339,2,'2017-08-24 12:49:41','2017-08-24 11:49:41','<h1>Bankruptcy Annulment</h1>\r\n<p class=\"summary\">In certain circumstances, a bankruptcy order can be reversed or annulled. This can only be done by court order.</p>\r\nYou can seek to get your <strong>bankruptcy cancelled</strong> under the following circumstances.\r\n<ul>\r\n <li>The bankruptcy order should not have been made in the first place as you had not received the proper advice before the bankruptcy order was made. It may be the case that a solution of than bankruptcy may be still be preferable to all parties involved.</li>\r\n <li>The bankruptcy order should not have been made due to errors in process and protocol. If all parties (you, all creditors, court) acted on incorrect or incomplete information, then the bankruptcy should have been avoided.</li>\r\n <li>All your bankruptcy debts and the fees and expenses of the bankruptcy proceedings have been either paid in full or secured (guaranteed) to the satisfaction of the court.</li>\r\n <li>You have had an IVA proposal approved to repay a percentage of debts over 5 years in return for a full and final settlement.</li>\r\n</ul>\r\n<div id=\"BottomCalltoAction\">\r\n<h2>What To Do Next</h2>\r\nIf you have recently been made bankrupt, but believe there is grounds for an annulment, please contact us for free advice.\r\n\r\nAn annulment means that it is as if the bankruptcy order was never made.\r\n\r\n</div>','Annulment','','inherit','closed','closed','','211-revision-v1','','','2017-08-24 12:49:41','2017-08-24 11:49:41','',211,'http://insolvency-service.co.uk/211-revision-v1',0,'revision','',0),(340,2,'2017-08-24 12:50:12','2017-08-24 11:50:12','<h1>Bankruptcy and Your Assets</h1>\r\n<p class=\"summary\">When made bankrupt, you surrender all possessions of value, including any interest in your home. Control of everything you own passes to the Trustee.</p>\r\nThe Trustee must be informed of all assets, it is their decision as to what you can keep.\r\nThe Trustee takes control of all assets not exempt from bankruptcy. They will arrange for their sale, using the proceeds to pay the fees, costs and expenses of the bankruptcy, before paying the creditors.\r\n\r\nNormally, the sale of any asset should be expected to raise at least £500 towards the bankruptcy for it to be worthwhile for the Trustee to claim it.\r\n\r\nWhen the bankruptcy order is made, your bank and savings accounts are seized by the Trustee. If in credit, the balance is a asset in the bankruptcy.\r\n<h2>Items excluded from Bankruptcy</h2>\r\nIt is only reasonable that you be allowed to keep essential items and are not impeded from earning a living. Items which can to be excluded from bankruptcy include:-\r\n<ul>\r\n <li>Household items essential for basic domestic needs. e.g. Clothes, Furniture, TV etc.</li>\r\n <li>A modest vehicle depending on circumstances, see - <a href=\"Cars \">Bankruptcy & Your Car</a>.</li>\r\n <li>A residential tenancy.</li>\r\n <li>Items needed for trade or employment such as tools and computing equipment.</li>\r\n <li>Money held in pension funds, see - <a href=\"Pensions \">Bankruptcy & Your Pension</a>.</li>\r\n <li>Money obtained from a student loan, if a balance of the loan remains payable.</li>\r\n</ul>\r\nFor information about property see - <a href=\"Home-Property \">Bankruptcy & Your Home</a>.\r\n<h2>Disposing of your Assets before Bankruptcy</h2>\r\nIf Bankruptcy is looming and unavoidable, you are well advised to take personal responsibility for the sale of any assets that would otherwise be sold by the Trustee, especially your car. The Trustee would put the items for sale at public action with the intention of getting a reasonable price in the quickest time. If you can raise more money be selling the items by other means, you should do so. This may even prevent the bankruptcy if you can raise enough cash to offer a full and final settlement.\r\n\r\nWhat you <strong>must not do</strong> is give way or sell your belongings as less than their true value. This is called making <a href=\"Restriction-Orders \">Transactions At Under Value</a>. This is not allowed and may result in a Bankruptcy Restriction Order.\r\n<h2>Unreasonable Assets.</h2>\r\nA question we are often asked is, <strong>What is a unreasonable asset?</strong>\r\nGenerally speaking, if you can sell a high value item and can buy a cheaper replacement with a substantial amount money remaining, then that is considered an <strong>unreasonable asset</strong> and may be claimed by the Trustee.\r\nSomething valuable but nonessential to basic domestic living, especially if it requires money to maintain, like a Horse, will also be considered to be an <strong>unreasonable asset</strong>.\r\n<h2>Assets obtained or received during bankruptcy</h2>\r\nAny assets or monies obtained from any source whilst serving bankruptcy (ie before discharge) may be claimed as part of the bankrupt\'s estate by the Trustee. It\'s an offense not to disclose such information. This includes:-\r\n<ul>\r\n <li>Anything bequest in a will, for example a property.</li>\r\n <li>Something of little value at the time of the bankruptcy order, but rising in value before bankruptcy discharge.</li>\r\n <li>Claims made against another person through court proceedings.</li>\r\n <li>Any other windfall.</li>\r\n</ul>\r\nIf you know your are to be the benefactor of a will, you may be well advised to get that will changed to the name of an non-serving bankruptcy until you are discharged from bankruptcy.\r\n<div id=\"BottomCalltoAction\">\r\n<h2>What To Do Next</h2>\r\nIf you are concerned about the prospect of losing your possessions in bankruptcy then <strong>CALL US</strong> or submit the<strong> INSTANT ADVICE </strong> form for<strong> Immediate Free Advice.</strong>\r\n\r\nIf you can avoid bankrupcy by doing an <a href=\"IVAProsCons \">IVA</a> instead, you have a better prospect of keeping your home, car and other belongings.\r\n\r\n</div>','Assets','','inherit','closed','closed','','212-revision-v1','','','2017-08-24 12:50:12','2017-08-24 11:50:12','',212,'http://insolvency-service.co.uk/212-revision-v1',0,'revision','',0),(341,2,'2017-08-24 12:50:37','2017-08-24 11:50:37','<h1>Bankruptcy IVA Comparisons</h1>\r\n<p class=\"summary\">Comparison between UK Bankruptcy laws and an (IVA) Individual Voluntary Arrangement.</p>\r\n\r\n<h2>UK Bankruptcy</h2>\r\n<ul>\r\n <li>Bankruptcy is always publicly advertised. Public notification will normally appear in your local newspaper containing details of your name, address and occupation.</li>\r\n <li>All assets will vest in your Trustee (the person appoined by the court to oversee the bankrupcy) and may be sold to repay your debts.</li>\r\n <li>You may still have to make monthly contributions for up to 3 years at the discretion of the Official Receiver or Trustee in Bankruptcy.</li>\r\n <li>If you fall into financial difficulties again, and are made bankrupt by creditors, you will have to serve a minimum 5 years bankruptcy.</li>\r\n <li>You will interviewed by an Official Receiver and questioned as to how or why you fell into difficulties and if you behaviour was considered to be rash or hazardous you may be subject to a Bankruptcy Restriction Order.</li>\r\n <li>You have a duty to co-operate with the Official Receiver or Trustee in Bankruptcy. You cannot take on credit in excess of £500 without declaring that you are a bankrupt.</li>\r\n <li>DTI will keep a record of the bankruptcy for up to 15 years.</li>\r\n</ul>\r\n<h2>Individual Voluntary Arrangement.</h2>\r\n<ul>\r\n <li>An IVA is not advertised.</li>\r\n <li>All assets can be retained.</li>\r\n <li>In control of own finances.</li>\r\n <li>In control of own income.</li>\r\n <li>A large proportion of the debt may be written off. Interest is frozen.</li>\r\n <li>Replace balance of debt by you will only pay what you can afford.</li>\r\n <li>All contact from creditors should stop completely.</li>\r\n <li>Can continue running own business.</li>\r\n <li>Can continue as a director.</li>\r\n <li>Will not affect your employment status.</li>\r\n <li>No court proceedings can be brought against you in respect of any of the debts bound by the Individual Voluntary Arrangement.</li>\r\n <li>No question of rash or hazardous behaviour.</li>\r\n <li>Under certain circumstances an IVA can result in an existing bankruptcy being annulled.</li>\r\n <li>Landlords are not notified, unless they are a creditor.</li>\r\n</ul>\r\n<div id=\"BottomCalltoAction\">\r\n<h2>What To Do Next</h2>\r\nIf you qualify for an IVA then this would be your best method to clear all of your debts, Please complete our short enquiry form to find out if you do qualify.\r\n\r\n \r\n\r\n</div>','Bankruptcy IVA Comparison','','inherit','closed','closed','','214-revision-v1','','','2017-08-24 12:50:37','2017-08-24 11:50:37','',214,'http://insolvency-service.co.uk/214-revision-v1',0,'revision','',0),(342,2,'2017-08-24 12:50:53','2017-08-24 11:50:53','<h1>Bankruptcy and Your Car</h1>\r\n<p class=\"summary\">Like any other asset, your car can and will sold towards paying your debts when you are made bankrupt, however there are excpetions.</p>\r\n\r\n<h2>When you may keep your Vehicle or Car.</h2>\r\nYou may be allowed to keep your Vehicle or Car under the following circumstances.\r\n<ul>\r\n <li><strong>The vehicle is worth less than £2,000.</strong></li>\r\n <li><strong>The sale of the vehicle will not produce more than £500 for your Creditors.\r\n</strong>This is can be the case when the car is owned by more than one person.</li>\r\n <li><strong>The vehicle is essential for work or your vocation. </strong>\r\nThis means the car is used for work, for example a Taxi, or when there is no reasonable alternative for transport to and from a place of work.\r\nIf you are the full time carer of a disabled person, this may be classed as your vocation and an exemption can be granted on these grounds.</li>\r\n <li><strong>A car is deemed necessary to \'meet basic domestic needs\' where there is no realistic alternative. </strong>\r\nDisabled pepole requiring a car for mobility would fall into this category. What is categorized as <em>necessary</em> is not based upon convenience when alternatives exists, except when the alternatives are more expensive. If you are able bodied and live an a urban area, then is not likely you can claim a vehicle as necessary to \'meet basic domestic needs\'.</li>\r\n</ul>\r\n<h2>Registered Keeper / Owner of a Vehicle.</h2>\r\nThe V5 document from the DLVA describes the <strong>registered keeper</strong> of a vehicle and clearly states that this is not necessarily the legal owner. It goes on to state that:-\r\n\r\nThe registered keeper is responsible for the vehicle’s day to day use on the road\r\nand is:\r\n<ul>\r\n <li>The person who is liable for licensing the vehicle.</li>\r\n <li>The person to whom the police and other enforcement authorities would direct any enquiries, eg motoring and parking offences.</li>\r\n</ul>\r\nThe legal owner is:\r\n<ul>\r\n <li>The person or company who purchased the vehicle eg a hire purchase or leasing company.</li>\r\n <li>The person who purchased the vehicle for their spouse/child etc.</li>\r\n</ul>\r\nSo, if your name is on the V5 document, but someone else bought and paid for the vehicle, and this is provable, then you should be able to keep it.\r\n\r\nConversely, if you have bought and paid for a car which is driven and insured by someone else and they are also the registered keeper, but live at the other end of the country and you\'ve never seen the car, it matters not. That car will to treated as your asset in Bankruptcy.\r\n<h2>Joint Ownership of Cars in Bankruptcy.</h2>\r\nAny asset may be jointly owned by two parties;- a car is no exception. The Trustee may only claim you share of any asset towards your bankruptcy. However this does not prevent the Trustee from forcing a sale to release your share. In the first instance, the Trustee will allow the other parties with part ownership to buy out your share.\r\n<h2>Sale of a Car Prior to Bankruptcy</h2>\r\nAny vehicle you have owned in the 2 years prior to the Bankruptcy will been included in the bankruptcy, or the monies from the sale will need to be accounted for. This even applies to a car innocently given to your spouse or one of your children are a Christmas present. You can\'t sell or give away an asset in the hope of omitting it from the bankruptcy.\r\n\r\nIf you sell a car at less than it\'s true value, this is called a <a href=\"Restriction-Orders \">Transaction At Under Value.</a>\r\nThis is not allowed and may result in a Bankruptcy Restriction Order.\r\n<h2>High Value Cars</h2>\r\nIf the vehicle is of a high value, you may still be required to trade down to a more modest one. Currently guidelines are a maximum of £2,000 for a replacement car, but can be higher depending on circumstances.\r\n<h2>Deciding the Value of the Car</h2>\r\nYou have no say as to the value of the car. The Trustee values the vehicle referring to the online Parker\'s Guide, for a guide price. For vehicles older than to M registration (1994), or for specialist or vintage cars it may be necessary to instruct agents to to obtain a value.\r\n<h3><strong> Hire Purchase Cars in Bankruptcy</strong></h3>\r\nIf the vehicle is subject to a hire purchase, lease or conditional sale agreement, then the finance company may seek to repossess as your bankruptcy may break the terms of the finance agreement. This can happen whether the Trustee deems it to be exempt from the bankruptcy or not. It may be case that the Trustee can invite the car finance company to repossess the car if there is not enough equity in the vehicle to make selling it worthwhile.\r\n<div id=\"IVAadvice\">\r\n<h2>Your Car & an IVA</h2>\r\nIt depends on the car and your circumstances. This is the case for all high value assets. It is normal to be allowed to keep a car worth a reasonable amount, especially if needed for work or family commitments. The conditions are not as strict as with bankruptcy.\r\n\r\nFor cars on Hire Purchase, this debt is secured and therefore can\'t be included in the IVA, the HP company will simply repossesses the car if your do not maintain payments.\r\nNormally you will be allow to keep making HP repayments while on the IVA, however once payments are completed, you will be expected to make increased payment into the IVA now that your outgoings are lowered.\r\n\r\nIt may be the case that you decide to cut your losses and return the car to the finance company. In this case the outstanding balence is not longer secured and can be included in an IVA propsal.\r\n\r\n</div>\r\n<div id=\"BottomCalltoAction\">\r\n<h2>What To Do Next</h2>\r\nIf you are concerned about the prospect of losing your car or other vehicle in bankruptcy then <strong>CALL US</strong> or submit the<strong> INSTANT ADVICE </strong> form for<strong> Immediate Free Advice.</strong>\r\n\r\n</div>','Cars','','inherit','closed','closed','','215-revision-v1','','','2017-08-24 12:50:53','2017-08-24 11:50:53','',215,'http://insolvency-service.co.uk/215-revision-v1',0,'revision','',0),(343,2,'2017-08-24 12:51:03','2017-08-24 11:51:03','<div id=\"content\">\n<h1>Debt Consolidation</h1><p class=\"orange\">The principle behind Debt consolidation loans is fairly simple - you borrow a large lump sum to repay your creditors and are then left with one creditor and one monthly repayment.</p><p>If you find that you are unable to meet your monthly repayments to your creditors, one option is to apply for a debt consolidation loan. </p>\n<p>Monthly repayments may be lower than the sum you are currently paying, however, you may continue making repayments for a much longer period.</p>\n<p>Before you consider taking out a debt consolidation loan you should consider the following:-</p>\n<p><b>1. </b>As there are sometimes charges and penalties for early completion of a credit agreement always ensure you obtain a settlement figure from your existing lenders rather than a balance. Otherwise you could find you have not borrowed enough to repay your other debts in full.</p>\n<p><b>2.</b> Once you know exactly how much you owe and what the cost of your debt consolidation loan will be, you must take time to work out a realistic income and expenditure figure to establish whether or not you can afford the new payments. Remember to include an amount for contingencies and emergencies. If the sums still do not add up, then perhaps you should consider some form of debt management plan.</p>\n<h3>Types of loan available</h3>\n<p>The way in which debt consolidation loans operate varies.</p>\n<ul><li>You may be able to obtain an unsecured loan for this purpose from your bank or building society. The advantage of this is that your home or property are not \"secured\" against the loan and so will not be in danger should you fail to meet the terms of the agreement. The disadvantage is that the interest rate you pay will generally be higher than a secured loan.</li>\n <li>Several companies offer secured loans at competitive rates. These may reduce your monthly outgoings but remember that your property will be secured against the loan and if you do not pay it, the lender may take proceedings to have your property repossessed.</li>\n <li>Alternatively you may be able to re-mortgage your property to free up some of the equity in your house. The advantage of this is that you will be paying a lower rate of interest, probably the same as your mortgage rate. The disadvantages are that although the interest rate maybe lower you will probably be paying the loan over the same period as your mortgage so overall you will be paying more. Also your home will be at risk should you default on the payments.</li></ul><h3>Pros of a debt consolidation loan</h3>\n<ul><li>May be able to reduce your monthly payments. \n </li><li>Can take off some of the pressure you may be under from your existing creditors. \n</li><li>You will have only one creditor to deal with. </li></ul><h3>Cons of a debt consolidation loan</h3>\n<ul><li>Can pay more over a longer period. \n </li><li>May incur additional costs for setting up the loan. \n </li><li>If secured, your property may be at risk. \n </li><li>You will be left with only one creditor - this can make it difficult to negotiate should you have further problems in repaying your loan. \n</li><li>If the loans you are consolidating have all the interest added at the start you may in effect be paying interest twice. The interest charged for the first loan and the interest charged for the consolidation. </li></ul><p>If you are considering a loan to consolidate your debt problems, or would just like more information, contact one of our advisors today for advice on the total spectrum of debt solutions that may be applicable to your situation.</p> \n<br/><p><strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions. </p>\n </div>','Content Page Name Debt Consolidation Loans','','inherit','closed','closed','','231-autosave-v1','','','2017-08-24 12:51:03','2017-08-24 11:51:03','',231,'http://insolvency-service.co.uk/231-autosave-v1',0,'revision','',0),(344,2,'2017-08-24 12:51:22','2017-08-24 11:51:22','\r\n<h1>CVA\'s - Company Voluntary Arrangements</h1>\r\n<p class=\"summary\">A CVA is similar to an IVA, but for companies rather than individuals.\r\nIt is a legal procedure that enables a company to make a binding agreement with its creditors and shareholders, describing how the company\'s debts and credit liabilities are to be managed, while allowing the company to trade.</p>\r\nFrom the creditors\' point of view, the CVA serves to achieve one of the following:-\r\n<ul>\r\n <li>An immediate full and final settlement of somewhere less than 100p in the pound to settle outstanding debts.</li>\r\n <li>An agreed delay of payment until an certain event happens.</li>\r\n <li>An agreement of payments by installments.</li>\r\n</ul>\r\nA CVA aims to serve the best interests of the creditors and shareholders while allowing the company to continue trading, keeping the work force in employment.\r\n\r\nA CVA can only be proposed by a company if it is insolvent. The CVA requires the approval of 75% (by value of the debt) of the voting creditors and approval of a majority of the shareholders.\r\n\r\nIf approved, the CVA binds all creditors irrespective of how (or whether) they voted and allows the directors to retain control of their company.\r\n<h2>Components of a Successful CVA Proposal</h2>\r\nThe proposal must be reasonable and achievable. It must explain why a CVA is in the best interests of all concerned parties and why the creditors should accept the it. The proposal details all the company\'s assets and liabilities and how it is to deal with secured and preferential creditors and those with a direct connection to the company.\r\n\r\nThere must be a business plan to return the company to profitability, in other words, directors must accept there is a need for change. The proposal must be viable and be likely to be considered favorably by the creditors. Working capital in addition to a review of credit repayments need to be arranged.\r\n\r\nCreditors will vote in favour of a CVA if the alternative is liquidation with little or no return to creditors.\r\n<h2><b> Basic Steps of the Procedure:-</b></h2>\r\n<ul>\r\n <li>The CVA can be proposed by directors of the company or a Liquidator/Administrator.</li>\r\n <li>The procedure is administered by a Licensed Insolvency Practitioner.</li>\r\n <li>A study of the company and its position in the marketplace in made.</li>\r\n <li>Directors & secured creditors debate the proposal.</li>\r\n <li>After the proposals are complete, the Nominee needs to prepare a report on the proposals which includes comment on the due diligence they have undertaken to ensure that the CVA proposals are accurate, reasonable and achievable</li>\r\n</ul>\r\n<h2><strong>After the Filing a CVA Proposal:-</strong></h2>\r\n<ul>\r\n <li>Once filed at court, the proposal is sent to the creditors.</li>\r\n <li>A meeting is chaired by the advisor or an IP with all creditors (or representative of creditors) at which the creditors vote on the proposal</li>\r\n <li>Creditors may request modification of the proposal, which will need to be approved by vote.</li>\r\n <li>A shareholders meeting is held on the same day, but after the creditor\'s meeting. This requires a 50% vote in favour of the CVA Proposal.</li>\r\n <li>Once a decision is made, the meetings close and a report is issued by the chairman within 4 days.</li>\r\n <li>Once approved, all creditors are legally bound by the proposal.</li>\r\n <li>After approval, the company makes agreed contributions to the trust account.</li>\r\n</ul>\r\n<h2>CVA - Frequently Asked Questions.</h2>\r\n<strong>How much does the company repay its creditors?\r\n</strong>Having reviewed the financial position and the company\'s prospects we would sit down with the directors and calculate what the company can afford to pay into a segregated fund, typically but not always, on a monthly basis.\r\n\r\n<strong>Will the bank, VAT and the Inland Revenue support the CVA?\r\n</strong>In essence a CVA allows a company with historical cash flow problems to repay its liabilities, either in part or in full (including the Inland Revenue and VAT) over a period of time. Once the company\'s liabilities has been restructured any monies generated by the company e.g. book debts can be used as working capital rather than paying its old debts.\r\n\r\nGenerally, they will not be problems with a CVA proposal that adheres to common sense. As the bank is normally secured (as are any finance companies), it remains outside the CVA and with all pre CVA creditors showing in the segregated fund, the pressure is taken off, because you have fresh and unallocated working capital coming in to the company.\r\n\r\n<strong>Will suppliers still supply and support the company?\r\n</strong>It is our experience that nearly most suppliers will continue to support a company in a CVA.\r\n\r\n<strong>Does anyone interfere with the running of the company during a CVA?\r\n</strong>As long as the company adheres to the terms of the CVA, the company is run under the control of the directors without any outside interference. There are certain reporting requirements to a CVA Supervisor, but there are normally simple and brief.\r\n','Cva','Bad, Credit, Loans, Bad Credit Unsecured Loans','inherit','closed','closed','','233-revision-v1','','','2017-08-24 12:51:22','2017-08-24 11:51:22','',233,'http://insolvency-service.co.uk/233-revision-v1',0,'revision','',0),(345,2,'2017-08-24 12:51:30','2017-08-24 11:51:30','<div id=\"content\">\r\n<h1>Debts Under £15,000 ?</h1>\r\n<p class=\"homepage\">If your circumstances don\'t qualify your for an IVA but you need to reduce your monthly credit repayments - Then a debt Management could be your best option.</p>\r\n\r\n<h2>What is Debt Management ?</h2>\r\nDebt Management is an informal process of negotiation with unsecured creditors to obtain a reduction in the repayment amount and / or a reduction in interest charges.\r\n\r\nNegotiation involves providing proof to the creditor you are unable afford current repayments.\r\n<h2>How Debt Management Benefits You</h2>\r\n<ul>\r\n <li>We negotiate on your behalf reduces your credit repayments to a single, lower monthly amount.</li>\r\n <li>We ask your creditors to freeze or reduce interest charges and agree to a lower monthly payment.</li>\r\n <li>When interest charges are frozen, the money we pay to your credit companies is taken reduces the debt rather than being used to pay interest charges.</li>\r\n <li>You make one monthly payment to us, we forward this to your onto your creditors allowing you to afford your essential bills.</li>\r\n</ul>\r\n<h3>Advantages of Debt Management over a Debt Consolidation Loan.</h3>\r\n<ul>\r\n <li>You are about to reduce our outgoings without go further into debt.</li>\r\n <li>If you take out a secured Loan - you run the risk of have your property repossessed if you fail to keep up repayments.</li>\r\n <li>If you take out a unsecured Loan with a single lender - you are in a weaker position to negotiate should to not be able to make repayment.</li>\r\n <li>You will be accepted onto a debt management programme if a bad credit record prevents you from getting a loan.</li>\r\n</ul>\r\n<h3>Advantages of Debt Management over an IVA</h3>\r\n<ul>\r\n <li>It\'s instant - one call and we can take control of the situation for you.</li>\r\n <li>Unlike an IVA, don\'t need unsecured debts of £15K or to become involved in a legal insolvency procedure.</li>\r\n <li>So long as you\'ve 2 or more creditors and can affords to make payments of £100 per month, you will be accepted onto a debt management programme.</li>\r\n</ul>\r\n<h3>Disadvantages of Debt Management over an IVA or Consolidation Loan</h3>\r\n<ul>\r\n <li>Unlike an IVA, you payback the full amount of the outstanding debt.</li>\r\n <li>Unlike an IVA, you may be on the program for more than 5 years.</li>\r\n <li>Unlike an IVA, your creditors may still decide to take legal action against you.</li>\r\n <li>Unlike a loan, it does not raise money to pay debts like council tax or a mortgage.</li>\r\n</ul>\r\n<strong>Caution</strong>\r\n<span class=\"highlight\">You may find yourself seeking debt advice from a company solely interested in placing you on a debt management program. This is not the case with us as we offer advice on all debt solution alternatives. Only if your circumstances are best suited to debt management will we propose this solution</span>\r\n<h2>Frequently Asked Questions.</h2>\r\n<strong>How much will I have to pay ?\r\n</strong> On our advice, you decide on a single affordable monthly payment.\r\n\r\n<strong>Can you guarantee a reduction in payments ?\r\n</strong>No. It depends on your ability to make your current repayment and is at the discretion of the individual creditor. However, once they are presently with proof you are struggling to make payment and are taking steps to pay your debt as best you can, they generally accept our proposal.\r\n\r\n<strong>How long will the programme last ?\r\n</strong> Until all debts have been paid in full. Due to the reduced payment levels, this will be longer than the terms of original credit agreements and may incur addition interest payments as the term of the credit agreement is extended.\r\n\r\n<strong>How do I know I\'m getting the best advice ?\r\n</strong> If your circumstances are not best served by a Debt Management programme, we will advise accordingly. This may involve suggesting that we refer you to partner companies offering Insolvency advice, IVA\'s or a range of debt consolidation loan.\r\n\r\n<strong>How do I know my debts are being paid ?\r\n</strong>Once up to date balances from your creditors have been received, your monthly payment between them are pre portioned based on how much each is owed. A statement showing how much each creditor will receive will be issued. This remains fixed unless your circumstances change. You will be issued a quarterly statement showing all transactions on your account. In addition to this, you will still receive statements from your creditors.\r\n\r\n<strong>Will this affect my credit rating ?</strong>\r\nWhen entering into a debt management agreement, you will be breaking the terms of your initial repayment agreement with your lender. This may have an adverse effect on your credit record. Due to time required arranging and distributing payments to creditors and delays in making first payment into the programme from clients, contractual payments to creditors may be missed.\r\n\r\n<strong>Who administers the Debt Management programme ? </strong>\r\nDebt management services promoted by Abacus are administered by Harrington Brooks (Accountants) Limited.\r\n\r\n<strong>How is the programme administered ?\r\n</strong> Negotiations are made with your creditors to reduce your monthly payments. They are requested to freeze or reduce their monthly interest charges. A single monthly payment is taken form yourself and paid your creditors on your behalf. This will make managing payments simpler.\r\n\r\n<strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions.\r\n\r\n</div>','Debt Management','','inherit','closed','closed','','234-revision-v1','','','2017-08-24 12:51:30','2017-08-24 11:51:30','',234,'http://insolvency-service.co.uk/234-revision-v1',0,'revision','',0),(346,2,'2017-08-24 12:51:58','2017-08-24 11:51:58','<h1>Debts Not Written Off by Bankruptcy</h1>\r\n<p class=\"summary\">Bankruptcy does not clear all debts in all circumstances. You may still be liable for some debts, even after discharge from bankruptcy. This includes debts incurred during bankruptcy.</p>\r\n\r\n<h3>Secured Debts</h3>\r\nThe debt is enforceable only if it remains secured on that asset. If the asset was sold to provide funds towards the bankruptcy, but did not cover the amount owed, then that debt is no longer secured and therefore not enforceable.\r\n<h3>Benefit and Tax Credit overpayments.</h3>\r\nWhere overpayments are made before the bankruptcy order, but a decision is made to recover them <strong>after</strong> the bankruptcy order, then the debt remains after bankruptcy discharge.\r\n\r\nIn the case where the overpayment is made and recovery sort <strong>before</strong> the bankruptcy order then debt is included in the bankruptcy. The exception to this is overpayment due to fraud, in which case recovery can by enforced despite bankruptcy, whenever the overpayments were made.\r\n<h3>Council Tax</h3>\r\nYou are liable for council tax for the remainder of the current year if not served with a liability order or final demand.\r\n<h3>Child Maintenance</h3>\r\nLiabilities from an order made in a family or domestic court, such CSA claims for child support are outside of bankruptcy.\r\n<h3>Student Loans</h3>\r\nMost educational loans cannot be discharged as they fall outside of the Insolvency Act 1986.\r\n<h3>Court Fines</h3>\r\nCourt Fines imposed for an offence and Liabilities from a confiscation order made under S.1 of the Drug Trafficking Act 1986 0r S.71 of the Criminal Justice Act 1988\r\n<h3>Personal Injury Claims.</h3>\r\nDebts from personal injury claims made against you are outside of bankruptcy.\r\n<h3>Fraud</h3>\r\nDebts arising from your fraudulent conduct are outside of bankruptcy.\r\n<h3>Any credit obtained just before bankruptcy</h3>\r\nLast-minute credit obtained with little intention of respecting the credit agreement can be excluded and/or result in a <a href=\"Restriction-Orders \">Bankruptcy Restriction Order</a>.\r\n<h3>Interest</h3>\r\nYou may be liable for an interest payable on any of the above debts.','Debts Not Included','','inherit','closed','closed','','216-revision-v1','','','2017-08-24 12:51:58','2017-08-24 11:51:58','',216,'http://insolvency-service.co.uk/216-revision-v1',0,'revision','',0),(347,2,'2017-08-24 12:52:29','2017-08-24 11:52:29','<h1>Fast Track Voluntary Agreements</h1>\r\n<p class=\"summary\">A <strong>Fast Track Voluntary Arrangements</strong> is for someone already made bankrupt with the purpose that the <strong>FTVA</strong> replaces and annuls the bankruptcy order.</p>\r\n<strong>Fast Track Individual Voluntary Arrangements (FTVA) are for people who:-</strong>\r\n<ul>\r\n <li>Have been made bankrupt by a creditor, but are seeking to, and can afford to, pay their way out of the bankruptcy.</li>\r\n <li>Petitioned for their own bankrupty, but have now realised they have not acted upon the proper advice and this was not the most appropriate course of action for them.</li>\r\n</ul>\r\nAn application for a FTVA will only be accepted if your creditors stand to gain more of the money owned to them over the bankruptcy order.\r\n\r\nThe Official Receiver acts as would the Nominee in a normal IVA. For this they are paid £300+ 15% of the money obtained via the FTVA.\r\n\r\nThe Bankruptee pays the Official Receiver £300 + a £35 registration fee when submitting a \'Proposal<strong> to creditors for a Fast Track Voluntary Arrangements in satisfaction of debts</strong>\' form.\r\n\r\nLike a normal IVA, a repayment offer is made to the creditors in either a full and final payment or over a 5 year period if payments from income are to be made, or a combination of both. Creditors are advised by post, who either accept or reject the proposal. There is no creditors meeting.\r\n\r\nLike a normal IVA, If the proposal is accepted, the Official Receiver becomes the supervisor of the FTVA and informs the court. The court annuls the bankruptcy automatically. The official receiver will advise anyone notified of the bankruptcy order that you are no longer bankrupt.\r\n\r\nDetails of your bankruptcy will be removed from the individual insolvency register. It will be as the bankrupty never existed.','Fast Track Ivas','A guide to Fast Track Voluntary Arrangements','inherit','closed','closed','','235-revision-v1','','','2017-08-24 12:52:29','2017-08-24 11:52:29','',235,'http://insolvency-service.co.uk/235-revision-v1',0,'revision','',0),(348,2,'2017-08-24 12:52:45','2017-08-24 11:52:45','<h1>Bankruptcy Hearing</h1>\r\n<p class=\"summary\">At a <strong>Bankruptcy Hearing</strong>, a district judge considers the bankruptcy petition to decide whether or not to make a bankruptcy order. Once a bankruptcy order is made, you are then officially bankrupt.</p>\r\nYou (the debtor) and the Official Receiver attend the Bankruptcy Hearing. Creditors or their representatives can attend if they wish.\r\n\r\nIn order for the judge/court to make a bankruptcy order, it must be satisfied that the debt is proven and that either:-\r\n<ul>\r\n <li>The debtor can\'t repay the debt.\r\nOR</li>\r\n <li>In the case when payment is not yet due, that the debtor has not realistic change of being able to repay the debt when it is due.</li>\r\n</ul>\r\nWhen the petition is served by a creditor, they must prove that a corresponding <a href=\"Statutory-Demand \">Statutory Demand</a> has been brought to your (the debtor\'s) attention.\r\n\r\nIf you have already repaid the debt in full, then the case will be dismissed, but you may still have to paid the creditors costs. If more than £750, then pursuit of these costs could result in fresh bankruptcy proceedings.\r\n<h2>Reasons why a Bankruptcy order may not be made.</h2>\r\n<ul>\r\n <li>In the court\'s opinion, the creditor has refused to accept reasonable payment by installment or a reasonable reduced full and final payment to settle the debt.</li>\r\n <li>You have reduced the debt to under £750 in between date of petition and date of hearing.</li>\r\n <li>An agreement is reached at the hearing for the repayment of the debt.</li>\r\n</ul>\r\nWhen the bankruptcy order is made, here are normally 3 elements.\r\n<ul>\r\n <li>A bankruptcy period of 12 to 36 months.</li>\r\n <li>Lump sums to be raised by the sale of assets (for example home, car).\r\nsee <a href=\"Home-Assets \">Your Assets & Bankruptcy</a> for details.</li>\r\n <li>Monthly Contributions from income.\r\nSee <a href=\"Payments-from-income \">Payment from income during Bankruptcy </a>for details.</li>\r\n</ul>','Hearing','','inherit','closed','closed','','217-revision-v1','','','2017-08-24 12:52:45','2017-08-24 11:52:45','',217,'http://insolvency-service.co.uk/217-revision-v1',0,'revision','',0),(349,2,'2017-08-24 12:52:56','2017-08-24 11:52:56','\r\n <h1>Bankruptcy and Your Assets</h1>\r\n <p class=\"summary\"> A person subject to bankruptcy surrenders any possessions of value, including any interest in their home. Control of everything they own passes to the Trustee.</p>\r\n <h2>Items excluded from Bankruptcy </h2>\r\n <p>It is only reasonable that you be allowed to keep essential items and are not impeded from earning a living. Items which can to be excluded from bankruptcy include:- </p>\r\n <ul><li>Household items essential for basic domestic needs. Eg, Cloths, Furniture, TV etc. </li>\r\n <li>A modest vehicle depending on circumstances. </li>\r\n <li>A residential tenancy. </li>\r\n <li>Items needed for trade or employment such as tools and computing equipment. </li>\r\n <li>Money held in pension funds (not in all cases) </li>\r\n <li>Money obtained from a student loan, if a balance of the loan remains payable.</li>\r\n </ul><p>For information about property see - <a href=\"Home-Property \">Bankruptcy & Your Home</a>.</p>\r\n <p>For information about cars see - <a href=\"Cars \">Bankruptcy & Your Car</a>. </p>\r\n <h2>Assets obtained or received during bankruptcy </h2>\r\n <p>Any assets or monies obtained from any source whilst serving bankruptcy (ie before discharge) may be claimed as part of the bankrupt\'s estate by the Trustee. If is an offense not to disclose such information. This can include. </p>\r\n <ul><li>Anything bequest in a will, for example a property. </li>\r\n <li>Something of little value at the time of the bankruptcy order, but rising in value before bankruptcy discharge.</li>\r\n <li>Claims made against another person through court proceedings.</li>\r\n <li>Any other windfall. </li>\r\n </ul><p>If you know your are to be the benefactor of a will, you may be well advised to get that will changed to the name of an non-serving bankruptcy until you are discharged from bankruptcy.</p>\r\n <p> <br /></p>\r\n \r\n</body>','Home Assets','','inherit','closed','closed','','218-revision-v1','','','2017-08-24 12:52:56','2017-08-24 11:52:56','',218,'http://insolvency-service.co.uk/218-revision-v1',0,'revision','',0),(350,2,'2017-08-24 12:53:07','2017-08-24 11:53:07','\r\n <h1>Bankruptcy and Your Home</h1>\r\n <p class=\"summary\">If you own (or jointly own) your home, mortgaged or outright, your interest in it forms part of your estate and may have to be sold to go towards paying debts. </p>\r\n <p>If the property is completely in your name, or completely in your spouses name, typically 50% of the equity in a matrimonial home is available to the Bankruptcy Trustee. </p>\r\n <p>Buying a property and putting it in your spouse\'s name on the off-chance you may one day be made bankrupt does not protect it from the Trustee.</p>\r\n <p>In the case where a property is jointly owned, the share owned by the parties not subject to bankruptcy proceeding can\'t be used towards the bankruptcy. However, this does not stop the Trustee from forcing the sale of the property to get hold of your share. </p>\r\n <p>A spouse, other relative or friend can buy your interest in the home from the controlling Trustee. This prevents the future sale of the property by the Trustee.</p>\r\n <h2><strong>Common Misconceptions about Bankruptcy and Your Home.</strong></h2>\r\n <p><strong><em>\"I put my home into my partners name years ago, it will be excluded from the Bankruptcy\"</em></strong> <br />\r\n You\'ll need to prove that your partner paid the full value at the time of the sale and has since paid the mortgage in full. You will also have to account for the money you received from the sale. </p>\r\n <p><em><strong>\"I have a wife and small children, they can\'t take away my house\".<br /></strong></em>They can and they will. If a spouse and/or dependant children are living at the property, it is possible for the sale in the bankruptcy to be delayed until after the end of the first year of bankruptcy. This allows for time for other housing arrangements to be made. </p>\r\n <h2>Stopping you Selling your Home. </h2>\r\n <p>The Trustee can register a caution at the Land Registry, preventing the home from being sold without their permission.</p>\r\n <p>Under the Enterprise Act 2002 the Trustee has a maximum of three years to deal with a property or risk it reverting back to the Bankrupt. However, the three years will be extended if the sale is obstructed. </p>\r\n <h2>Charging Orders</h2>\r\n <p>If the Trustee does not or cannot presently sell the home, they may obtain a charging order. This is like securing the property against the debt. In which case, your interest in the property will be returned to you, but the legal charge over this it remains. The value of the charge is your percentage interest in the property. This sum must be paid from your share of the proceeds of sale of the property.</p>\r\n <p>If a Charging Order is placed on the property, you will benefit from rises in the property\'s value between that time and the time of the sale. </p>\r\n <p> If no Charging Order is in place, your percentage interest in the will continue to belong to the Trustee, including any rise in the property value. Therefore even if the home is sold some time after discharge from bankruptcy, the increase in value will not go to you.</p>\r\n <div id=\"IVAadvice\">\r\n <h2>Your Home and an IVA</h2>\r\n <p><strong>Can I do an IVA without affecting my Property/House ?</strong><br />In some circumstances your home may be excluded from the arrangement. However, if you have equity in your house, this will be taken into account when making an offer to creditors. You may have to release some of the equity in your property at some stage during the IVA.<br /><br /> Your creditors are only going to approve an IVA if they consider they will get more money back than via bankruptcy. If the equity in your property is more than your unsecured debts, then they could get it all back by bankrupting you, and forcing you to sell your home.\r\n<br /><br />How your homeowner status effects yout IVA propsal is complex and depends on many factors such as \r\n</p><ol><li>Your current mortgage repayments.</li>\r\n<li>How much of the property is yours in the case of joint ownership.</li>\r\n<li> The amount of equity in the property.</li>\r\n</ol>\r\nWe get more questions above homeowership and IVA than anything else, so please call us for free advice of how this may impact your decision to do an IVA.\r\n<br /><br /><strong>How much equity will I have to release from my property?</strong><br />There is no exact answer to this as it depends on personal circumstances. As a rule of thumb, equity is released such that increased mortgage payments once the IVA is completed are no higher than the IVA payments were. \r\n </div>\r\n \r\n <div id=\"BottomCalltoAction\">\r\n <h2>What To Do Next</h2>\r\n <p>If you are concerned about the prospect of losing your home in bankruptcy then <strong>CALL US</strong> or submit the<strong> INSTANT ADVICE </strong> form for<strong> Immediate Free Advice.</strong><strong></strong></p>\r\n <p>If you can avoid bankrupcy by doing an <a href=\"IVAProsCons \">IVA</a> instead, you have a better prospect of keeping your home.</p>\r\n </div>\r\n </div>\r\n\r\n</body>','Home Property','','inherit','closed','closed','','219-revision-v1','','','2017-08-24 12:53:07','2017-08-24 11:53:07','',219,'http://insolvency-service.co.uk/219-revision-v1',0,'revision','',0),(351,2,'2017-08-24 12:53:13','2017-08-24 11:53:13',' \r\n<h1>Bankruptcy and Your Assets</h1>\r\n<p class=\"summary\">A person subject to bankruptcy surrenders any possessions of value, including any interest in their home. Control of everything they own passes to the Trustee.</p>\r\n\r\n<h2>Items excluded from Bankruptcy</h2>\r\nIt is only reasonable that you be allowed to keep essential items and are not impeded from earning a living. Items which can to be excluded from bankruptcy include:-\r\n<ul>\r\n <li>Household items essential for basic domestic needs. Eg, Cloths, Furniture, TV etc.</li>\r\n <li>A modest vehicle depending on circumstances.</li>\r\n <li>A residential tenancy.</li>\r\n <li>Items needed for trade or employment such as tools and computing equipment.</li>\r\n <li>Money held in pension funds (not in all cases)</li>\r\n <li>Money obtained from a student loan, if a balance of the loan remains payable.</li>\r\n</ul>\r\nFor information about property see - <a href=\"Home-Property \">Bankruptcy & Your Home</a>.\r\n\r\nFor information about cars see - <a href=\"Cars \">Bankruptcy & Your Car</a>.\r\n<h2>Assets obtained or received during bankruptcy</h2>\r\nAny assets or monies obtained from any source whilst serving bankruptcy (ie before discharge) may be claimed as part of the bankrupt\'s estate by the Trustee. If is an offense not to disclose such information. This can include.\r\n<ul>\r\n <li>Anything bequest in a will, for example a property.</li>\r\n <li>Something of little value at the time of the bankruptcy order, but rising in value before bankruptcy discharge.</li>\r\n <li>Claims made against another person through court proceedings.</li>\r\n <li>Any other windfall.</li>\r\n</ul>\r\nIf you know your are to be the benefactor of a will, you may be well advised to get that will changed to the name of an non-serving bankruptcy until you are discharged from bankruptcy.','Home Assets','','inherit','closed','closed','','218-revision-v1','','','2017-08-24 12:53:13','2017-08-24 11:53:13','',218,'http://insolvency-service.co.uk/218-revision-v1',0,'revision','',0),(352,2,'2017-08-24 12:53:21','2017-08-24 11:53:21','<h1>Bankruptcy and Your Home</h1>\r\n<p class=\"summary\">If you own (or jointly own) your home, mortgaged or outright, your interest in it forms part of your estate and may have to be sold to go towards paying debts.</p>\r\nIf the property is completely in your name, or completely in your spouses name, typically 50% of the equity in a matrimonial home is available to the Bankruptcy Trustee.\r\n\r\nBuying a property and putting it in your spouse\'s name on the off-chance you may one day be made bankrupt does not protect it from the Trustee.\r\n\r\nIn the case where a property is jointly owned, the share owned by the parties not subject to bankruptcy proceeding can\'t be used towards the bankruptcy. However, this does not stop the Trustee from forcing the sale of the property to get hold of your share.\r\n\r\nA spouse, other relative or friend can buy your interest in the home from the controlling Trustee. This prevents the future sale of the property by the Trustee.\r\n<h2><strong>Common Misconceptions about Bankruptcy and Your Home.</strong></h2>\r\n<strong><em>\"I put my home into my partners name years ago, it will be excluded from the Bankruptcy\"</em></strong>\r\nYou\'ll need to prove that your partner paid the full value at the time of the sale and has since paid the mortgage in full. You will also have to account for the money you received from the sale.\r\n\r\n<em><strong>\"I have a wife and small children, they can\'t take away my house\".\r\n</strong></em>They can and they will. If a spouse and/or dependant children are living at the property, it is possible for the sale in the bankruptcy to be delayed until after the end of the first year of bankruptcy. This allows for time for other housing arrangements to be made.\r\n<h2>Stopping you Selling your Home.</h2>\r\nThe Trustee can register a caution at the Land Registry, preventing the home from being sold without their permission.\r\n\r\nUnder the Enterprise Act 2002 the Trustee has a maximum of three years to deal with a property or risk it reverting back to the Bankrupt. However, the three years will be extended if the sale is obstructed.\r\n<h2>Charging Orders</h2>\r\nIf the Trustee does not or cannot presently sell the home, they may obtain a charging order. This is like securing the property against the debt. In which case, your interest in the property will be returned to you, but the legal charge over this it remains. The value of the charge is your percentage interest in the property. This sum must be paid from your share of the proceeds of sale of the property.\r\n\r\nIf a Charging Order is placed on the property, you will benefit from rises in the property\'s value between that time and the time of the sale.\r\n\r\nIf no Charging Order is in place, your percentage interest in the will continue to belong to the Trustee, including any rise in the property value. Therefore even if the home is sold some time after discharge from bankruptcy, the increase in value will not go to you.\r\n<div id=\"IVAadvice\">\r\n<h2>Your Home and an IVA</h2>\r\n<strong>Can I do an IVA without affecting my Property/House ?</strong>\r\nIn some circumstances your home may be excluded from the arrangement. However, if you have equity in your house, this will be taken into account when making an offer to creditors. You may have to release some of the equity in your property at some stage during the IVA.\r\n\r\nYour creditors are only going to approve an IVA if they consider they will get more money back than via bankruptcy. If the equity in your property is more than your unsecured debts, then they could get it all back by bankrupting you, and forcing you to sell your home.\r\n\r\nHow your homeowner status effects yout IVA propsal is complex and depends on many factors such as\r\n<ol>\r\n <li>Your current mortgage repayments.</li>\r\n <li>How much of the property is yours in the case of joint ownership.</li>\r\n <li>The amount of equity in the property.</li>\r\n</ol>\r\nWe get more questions above homeowership and IVA than anything else, so please call us for free advice of how this may impact your decision to do an IVA.\r\n\r\n<strong>How much equity will I have to release from my property?</strong>\r\nThere is no exact answer to this as it depends on personal circumstances. As a rule of thumb, equity is released such that increased mortgage payments once the IVA is completed are no higher than the IVA payments were.\r\n\r\n</div>\r\n<div id=\"BottomCalltoAction\">\r\n<h2>What To Do Next</h2>\r\nIf you are concerned about the prospect of losing your home in bankruptcy then <strong>CALL US</strong> or submit the<strong> INSTANT ADVICE </strong> form for<strong> Immediate Free Advice.</strong>\r\n\r\nIf you can avoid bankrupcy by doing an <a href=\"IVAProsCons \">IVA</a> instead, you have a better prospect of keeping your home.\r\n\r\n</div>','Home Property','','inherit','closed','closed','','219-revision-v1','','','2017-08-24 12:53:21','2017-08-24 11:53:21','',219,'http://insolvency-service.co.uk/219-revision-v1',0,'revision','',0),(353,2,'2017-08-24 12:53:54','2017-08-24 11:53:54','<h1>IVA Case Studies</h1>\r\n<p class=\"summary\">IVA cases, typical of those we have handled.\r\nExamples used are fictitious to protect client privacy.</p>\r\n<p style=\"margin-bottom: 2px;\"><strong>Case Study 1</strong></p>\r\n\r\n<h2>Couple with young children and car on hire purchase.</h2>\r\n<table width=\"100%\" cellspacing=\"15\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\" width=\"45%\"><strong>Initial debt: </strong>£32,000</td>\r\n<td valign=\"top\" width=\"55%\"><strong>Was paying: </strong>£600/month</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\"><strong>Debt written off:\r\n</strong> £13,400</td>\r\n<td valign=\"top\"><strong>Now paying: </strong>£250/month</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\"><strong>% written off:\r\n</strong> 42%</td>\r\n<td></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<div style=\"margin-left: 16px; margin-bottom: 50px;\">\r\n\r\nMr and Mrs Jones have 3 children under 10, and a total debt of <strong>£32,000 </strong>on loans and credit cards. Their car is on hire purchase, which is essential for Mr Jones to travel to work.\r\n\r\nThey built up debt over several years of over-spending, thinking Mr Jones\' salary would eventually rise, enabling them to catch up. This didn\'t happen and when his overtime ceased, they were not able met their creditor\'s demands.\r\n\r\nThey currently pay out £600 per month leaving them with a ever growing overdraft. Their outgoings leave them with no money at the end of each month.\r\n\r\nThey agreed to repayments of £250 per month for 2 years and £350 in years 3, 4 & 5 as the car hire purchase ends in 2 years. They get to keep the car and have a new Bank account and no overdraft. In total they will pay back <strong>£18,600</strong> over 60 months in the IVA\'s.\r\n\r\n</div>\r\n<p style=\"margin-bottom: 2px;\"><strong>Case Study 2</strong></p>\r\n\r\n<h2>Single person living with parents with debts over £50,000</h2>\r\n<table width=\"100%\" cellspacing=\"15\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\" width=\"45%\"><strong>Initial debt: </strong>£52,000</td>\r\n<td valign=\"top\" width=\"55%\"><strong>Was paying: </strong>£700/month</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\"><strong>Debt written off:\r\n</strong> £23,600</td>\r\n<td valign=\"top\"><strong>Now paying: </strong>£290/month</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\"><strong>% written off:\r\n</strong> 45%</td>\r\n<td></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<div style=\"margin-left: 16px; margin-bottom: 50px;\">\r\n\r\nMr Reeves is single, rents from a private landlord, and has no dependants. He earns about £23,000 a year. At 27 years of age, he has already amassed debts of around <strong>£52,000</strong> over 8 years.\r\n\r\nMr Reeves admits his debts are solely the result of his own irresponsibility and indulgences. Everywhere he was offered credit, he took it, mostly making minimum payments. He was now finding these payments difficult.\r\n\r\nMr Reeves agreed to down grade his car to raise £11,000 which also halved his insurance premiums, leaving £41,000 of debt. His creditors accepted an offer of £290 for 60 months, paying back in total <strong>£17,400</strong>.\r\n\r\n</div>\r\n<p style=\"margin-bottom: 2px;\"><strong>Case Study 3</strong></p>\r\n\r\n<h2>Divorce makes credit repayments impossible.</h2>\r\n<table width=\"100%\" cellspacing=\"15\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\" width=\"45%\"><strong>Initial debt: </strong>£39,000</td>\r\n<td valign=\"top\" width=\"55%\"><strong>Was paying: </strong>£615/month</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\"><strong>Debt written off:\r\n</strong> £25,800</td>\r\n<td valign=\"top\"><strong>Now paying: </strong>£220/month</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\"><strong>% written off:\r\n</strong> 66%</td>\r\n<td></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<div style=\"margin-left: 16px; margin-bottom: 50px;\">\r\n\r\nHaving rented with her husband and child whilst married, Ms X already had large, but affordable credit repayments before her divorce. As the household income dropped to a single wage plus benefits and maintenance payments, she could not longer afford what her creditors were asking for.\r\n\r\nFailing to take the appropite action, Mr X tried to borrow he way out of debt, until her sole and joint debts with her ex husband totaled <strong>£39,000.</strong>\r\n\r\nShe entered into a linked IVA with her ex-husband and agreed to payback <strong>£220 </strong>per month for 60 months totaling <strong>£13,200</strong> over 5 years. Her situation will be reviewed in 12 months time when Ms X hopes to return to full time work as her child reaches school age.','Iva Case Studies','Bad, Credit, Loans, Bad Credit Unsecured Loans','inherit','closed','closed','','237-revision-v1','','','2017-08-24 12:53:54','2017-08-24 11:53:54','',237,'http://insolvency-service.co.uk/237-revision-v1',0,'revision','',0),(354,2,'2017-08-24 12:54:05','2017-08-24 11:54:05','\r\n<h1>IVA Knowledge Base</h1>\r\n<p class=\"summary\">Common questions answered about IVAs.</p>\r\nIf you have a query not covered here, please call us or <a href=\"contact_action_question \">submit a question</a> for confidential advice about your own set of circumstances.\r\n\r\nThe database currently contains\r\n51 questions.\r\n\r\nMore additions are being made on a daily basis.\r\n\r\n<form action=\"iva_faq \" method=\"post\"><input class=\"button\" type=\"submit\" value=\"search\" /><input name=\"keyword\" size=\"30\" type=\"text\" />\r\n\r\nFinds matches in Questions OR Answers.\r\n\r\n</form><strong>1) Which debts can be included in an IVA ?</strong>\r\nNormally, any unsecured debts can be included within an IVA. This inlcudes any overdrafts with your current bank and credit card balances.\r\n\r\nIn short, any service that your are no longer using, for which money is outstanding, has the potential for inclusion in an IVA proposal. For example, an outstanding bill for a disconnected mobile phone.\r\n\r\nPersonal debts to the Inland Revenue and VAT can also be included.\r\n\r\n<strong>2) Which debts cannot be included in an IVA ?</strong>\r\nSecured loans and items on Hire Purchase can\'t be included as part of an IVA.\r\n\r\nThe following debts cannot be included, but \"provisions\" can be made within the IVA propsal. By provisons we mean, the fact they are outstanding and must be paid impacts your ability to repay your creditors.\r\n<ul>\r\n <li>Council Tax Arrears</li>\r\n <li>Any fine or penalties imposed by a court</li>\r\n <li>Any liabilities arising under an order made in a family or domestic court action such as CSA claims for child support.</li>\r\n <li>Any liabilities arising under a confiscation order made under S.1 of the Drug Trafficking Act 1986 0r S.71 of the Criminal Justice Act 1988.</li>\r\n <li>Most educational loans, taken out after June 2004, as they fall outside of the Insolvency Act 1986.</li>\r\n</ul>\r\n<strong>3) Can I do an IVA without affecting my Property/House ?</strong>\r\nIn some circumstances your home may be excluded from the arrangement. However, if you have equity in your house, this will be taken into account when making an offer to creditors. You may have to release some of the equity in your property at some stage during the IVA.\r\n\r\nYour creditors are only going to approve an IVA if they consider they will get more money back than via bankruptcy. If the equity in your property is more than your unsecured debts, then they could get it all back by bankrupting you, and forcing you to sell your home.\r\n\r\nHow your homeowner status effects yout IVA propsal is complex and depends on many factors such as\r\n<ol>\r\n <li>Your current mortgage repayments.</li>\r\n <li>How much of the property is yours in the case of joint ownership.</li>\r\n <li>The amount of equity in the property.</li>\r\n</ol>\r\nWe get more questions above homeowership and IVA than anything else, so please call us for free advice of how this may impact your decision to do an IVA.\r\n\r\n<strong>4) How much equity will I have to release from my property?</strong>\r\nThere is no exact answer to this as it depends on personal circumstances. As a rule of thumb, equity is released such that increased mortgage payments once the IVA is completed are no higher than the IVA payments were.\r\n\r\n<strong>5) I live in rented property - Will my landlord find out about my IVA ?</strong>\r\nYour landlord need not be aware of the IVA.\r\n\r\n<strong>6) Are you regulated ?</strong>\r\nOur licensed Insolvency Practitioners are regulated by either:-\r\n<ul>\r\n <li>Association of Chartered Certified Accountants (ACCA)</li>\r\n <li>Institution of Chartered Accountants of England and Wales (ICAEW)</li>\r\n <li>Department of Trade and Industry (DTI)</li>\r\n <li>Insolvency Practitioners Association (IPA)</li>\r\n</ul>\r\nLicensed insolvency practitioners are monitored regularly by their professional bodies. This ensures they are complying with the law and\r\nensures high standards are maintained.\r\n\r\n<strong>7) How are debts with joint liability treated with respect to an IVA, when only one of the debtors is applying for the IVA ?</strong>\r\nThere is no simple answer to this. It is at the discretion of the creditors and dependent upon individual circumstances. The creditor involved will be able to pursue the other party.\r\n\r\n<strong>8) Can I obtain an IVA if a bankruptcy order has been made against me ?</strong>\r\nYes, if you have not been discharged from bankrptcy. It is possible to annul a bankruptcy and enter into an IVA if it is more appropriate.\r\n\r\n<strong>9) Can one individual creditor refuse to accept an IVA ?</strong>\r\nOne creditor can stop the IVA if they are owed more than 25% of the debts. If more that 75% of your creditors by value approve the IVA, then any dissenting creditors are bound by the arrangement.\r\n\r\n<strong>10) Will the IVA stop my creditors from taking further action against me ?</strong>\r\nOnce the IVA is in place, you are protected from further recovery action by the creditors scheduled in the IVA.\r\n','Iva Faq','','inherit','closed','closed','','238-revision-v1','','','2017-08-24 12:54:05','2017-08-24 11:54:05','',238,'http://insolvency-service.co.uk/238-revision-v1',0,'revision','',0),(355,2,'2017-08-24 12:54:32','2017-08-24 11:54:32','<div id=\"content\">\r\n<h1>IVA Knowledge Base</h1>\r\n<p class=\"orange\">Common questions answered about IVAs.</p>\r\n<span class=\"orange\">If you have a query not covered here, please call us or <a href=\"contact_action_question \">submit a question</a> for confidential advice about your own set of circumstances.</span>\r\n\r\nThe database currently contains\r\n47 questions.\r\n\r\nMore additions are being made on a daily basis.\r\n\r\n</form>\r\n<h3 style=\"margin: 0px;\">1) Which debts can be included in an IVA ?</h3>\r\n<p style=\"margin: 0px;\">Normally, any unsecured debts can be included within an IVA. This inlcudes any overdrafts with your current bank and credit card balances.</p>\r\nIn short, any service that your are no longer using, for which money is outstanding, has the potential for inclusion in an IVA proposal. For example, an outstanding bill for a disconnected mobile phone.\r\n\r\nPersonal debts to the Inland Revenue and VAT can also be included.\r\n<h3 style=\"margin: 0px;\">2) Which debts cannot be included in an IVA ?</h3>\r\n<p style=\"margin: 0px;\">Secured loans and items on Hire Purchase can\'t be included as part of an IVA.</p>\r\nThe following debts cannot be included, but \"provisions\" can be made within the IVA propsal. By provisons we mean, the fact they are outstanding and must be paid impacts your ability to repay your creditors.\r\n<ul>\r\n <li>Council Tax Arrears</li>\r\n <li>Any fine or penalties imposed by a court</li>\r\n <li>Any liabilities arising under an order made in a family or domestic court action such as CSA claims for child support.</li>\r\n <li>Any liabilities arising under a confiscation order made under S.1 of the Drug Trafficking Act 1986 0r S.71 of the Criminal Justice Act 1988.</li>\r\n <li>Most educational loans, taken out after June 2004, as they fall outside of the Insolvency Act 1986.</li>\r\n</ul>\r\n<h3 style=\"margin: 0px;\">3) I live in rented property - Will my landlord find out about my IVA ?</h3>\r\n<p style=\"margin: 0px;\">Your landlord need not be aware of the IVA.</p>\r\n\r\n<h3 style=\"margin: 0px;\">4) Will I have to pay fees ?</h3>\r\n<p style=\"margin: 0px;\">Although fees are charged for both setting up and supervising the IVA, they are taken out of monthly payments you have agreed to pay into the IVA. In other words your creditors bear the cost of an IVA. They are happy to do this as you are making a commitment to pay of your debts as best you can.</p>\r\n\r\n<h3 style=\"margin: 0px;\">5) Are you regulated ?</h3>\r\n<p style=\"margin: 0px;\">Our licensed Insolvency Practitioners are regulated by either:-</p>\r\n\r\n<ul>\r\n <li>Association of Chartered Certified Accountants (ACCA)</li>\r\n <li>Institution of Chartered Accountants of England and Wales (ICAEW)</li>\r\n <li>Department of Trade and Industry (DTI)</li>\r\n <li>Insolvency Practitioners Association (IPA)</li>\r\n</ul>\r\nLicensed insolvency practitioners are monitored regularly by their professional bodies. This ensures they are complying with the law and\r\nensures high standards are maintained.\r\n<h3 style=\"margin: 0px;\">6) Can I do an IVA without affecting my Property/House ?</h3>\r\n<p style=\"margin: 0px;\">In some circumstances your home may be excluded from the arrangement. However, should you have equity in your house, this will be taken into account when making an offer to creditors. You may have to release some of the equity in your property at some stage during the IVA.</p>\r\nYour creditors are only going to approve an IVA if they consider they will get more money back than via bankruptcy. If the equity in your property is more than your unsecured debts, then they could get it all back by bankrupting you, and forcing you to sell your home.\r\n<h3 style=\"margin: 0px;\">7) Can an IVA be settled early ?</h3>\r\n<p style=\"margin: 0px;\">Many IVAs end early with the introduction of a lump sum of money. We can arrange a variation meeting to offer a sum of money in full and final settlement of your obligations under the IVA. The new funds are typically raised by remortgage, inheritance, cashing in of policies etc. Creditors do support early settlements as they generally prefer to receive their money early than wait for payments over a five year period.</p>\r\n\r\n<h3 style=\"margin: 0px;\">8) Can I obtain an IVA if a bankruptcy order has been made against me ?</h3>\r\n<p style=\"margin: 0px;\">Yes, if you have not been discharged from bankrptcy. It is possible to annul a bankruptcy and enter into an IVA if it is more appropriate.</p>\r\n\r\n<h3 style=\"margin: 0px;\">9) Can one individual creditor refuse to accept an IVA ?</h3>\r\n<p style=\"margin: 0px;\">One creditor can stop the IVA if they are owed more than 25% of the debts. If more that 75% of your creditors by value approve the IVA, then any dissenting creditors are bound by the arrangement.</p>\r\n\r\n<h3 style=\"margin: 0px;\">10) Will the IVA stop my creditors from taking further action against me ?</h3>\r\n<p style=\"margin: 0px;\">Once the IVA is in place, you are protected from further recovery action by the creditors scheduled in the IVA.</p>\r\n<p class=\"summary\">View Results: 1-10 <a href=\"iva_faq__startrow_11_newendrow_20_totalrows_47 \">11-20</a> <a href=\"iva_faq__startrow_21_newendrow_30_totalrows_47 \">21-30</a> <a href=\"iva_faq__startrow_31_newendrow_40_totalrows_47 \">31-40</a> <a href=\"iva_faq__startrow_41_newendrow_47_totalrows_47 \">41-47</a></p>\r\n\r\n\r\n<hr />\r\n\r\n<strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions.\r\n\r\n</div>','Iva Faq','An Explaination of what an IVA is and the step involved in setting up an Individual Voluntary Arrangement','inherit','closed','closed','','240-revision-v1','','','2017-08-24 12:54:32','2017-08-24 11:54:32','',240,'http://insolvency-service.co.uk/240-revision-v1',0,'revision','',0),(356,2,'2017-08-24 12:54:49','2017-08-24 11:54:49','<div id=\"content\">\n<h1>IVA Knowledge Base</h1>\n<p class=\"orange\">Common questions answered about IVAs.</p>\n<span class=\"orange\">If you have a query not covered here, please call us or <a href=\"contact_action_question \">submit a question</a> for confidential advice about your own set of circumstances.</span>\n\nThe database currently contains\n47 questions.\n\nMore additions are being made on a daily basis.\n\nFinds matches in Questions OR Answers.\n<p class=\"summary\">View Results: <a href=\"/\">1-10</a> 11-20 <a href=\"iva_faq__startrow_21_newendrow_30_totalrows_47 \">21-30</a> <a href=\"iva_faq__startrow_31_newendrow_40_totalrows_47 \">31-40</a> <a href=\"iva_faq__startrow_41_newendrow_47_totalrows_47 \">41-47</a></p>\n\n<h3 style=\"margin: 0px;\">11) Can I cancel the IVA once it is set up ?</h3>\n<p style=\"margin: 0px;\">An IVA is a legal process and, once it is set up, cannot be cancelled. However it will fail if you do not comply with the terms and your supervisor may take legal proceedings against you.</p>\n\n<h3 style=\"margin: 0px;\">12) What happens if the IVA is not approved ?</h3>\n<p style=\"margin: 0px;\">You will have to come to an informal arrangement with your creditors (or use the services of a debt management company) to repay your debts or declare yourself bankrupt. It is unlikely that we would make an IVA proposal without high confidence of acceptance.</p>\n\n<h3 style=\"margin: 0px;\">13) How are debts with joint liability treated with respect to an IVA, when only one of the debtors is applying for the IVA ?</h3>\n<p style=\"margin: 0px;\">There is no simple answer to this. It is at the discretion of the creditors and dependent upon individual circumstances. The creditor involved will be able to pursue the other party.</p>\n\n<h3 style=\"margin: 0px;\">14) I understand that the IVA company take their fees from monies paid into the IVA. But who pays the fees for of the setting up the IVA in the case of its rejection ?</h3>\n<p style=\"margin: 0px;\">If we proposed an IVA which is rejected, then we bear the cost. You are not charged a penny. We have a very high acceptance rate (98%) and would not propose an IVA when we thought it would not be approved. However, if the IVA fails because you pull out, you will be charged a fee.</p>\n\n<h3 style=\"margin: 0px;\">15) How much will I have to pay into the IVA ?</h3>\n<p style=\"margin: 0px;\">Monthly payments depend upon your disposable income rather than size of debt. This is what you have left with after reasonable monthly living expenses (excluding your debts) are taken from your monthly income. This figure will depend on your personal circumstances and will be agreed between you and your advisor. Normally the monthly payment will not be below £200</p>\n\n<h3 style=\"margin: 0px;\">16) Can I keep using my credit cards or take out a new loan during an IVA ?</h3>\n<p style=\"margin: 0px;\">No, During the IVA, you will not be able to use store or credit cards. Also, you will normally not be allowed to borrow more money. It may however be possible to change an existing mortgage while you are in an IVA. This must under the supervision of your insolvency practitioner (us).</p>\n\n<h3 style=\"margin: 0px;\">17) If I have positive equity in my property, how does this affect my IVA application ?</h3>\n<p style=\"margin: 0px;\">If you have any equity in your property (or any other significant valuable assets), you may be required to release some or all of this as part of the IVA agreement.</p>\n\n<h3 style=\"margin: 0px;\">18) What is the minimum number of Creditors required for an IVA ?</h3>\n<p style=\"margin: 0px;\">Usually 3 or more - but your advisor will talk you through it.</p>\n\n<h3 style=\"margin: 0px;\">19) What if I unexpectedly come into some money during the IVA ?</h3>\n<p style=\"margin: 0px;\">This is usually called a windfall, for example, winning the lottery, an inheritance or large bonus payment. Your IVA will usually include a \'windfall\' clause that will require you to pay the money into your arrangement. In the event of bonus payments, or regular overtime, depending on their value, typically you will be required to share the benefit on a fifty-fifty basis with your creditors.</p>\n\n<h3 style=\"margin: 0px;\">20) In terms of % amount of total debt. How many creditors need to attend the creditors meeting ?</h3>\n<p style=\"margin: 0px;\">Usually creditors do not attend the meeting, they vote by proxy, (meaning they register their vote without being there). Only one proxy is required.</p>\n<p class=\"summary\">View Results: <a href=\"/\">1-10</a> 11-20 <a href=\"iva_faq__startrow_21_newendrow_30_totalrows_47 \">21-30</a> <a href=\"iva_faq__startrow_31_newendrow_40_totalrows_47 \">31-40</a> <a href=\"iva_faq__startrow_41_newendrow_47_totalrows_47 \">41-47</a></p>\n\n\n<hr />\n\n<strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions.\n\n</div>','Iva Faq Startrow 11 Newendrow 20 Totalrows 47','','inherit','closed','closed','','241-autosave-v1','','','2017-08-24 12:54:49','2017-08-24 11:54:49','',241,'http://insolvency-service.co.uk/241-autosave-v1',0,'revision','',0),(357,2,'2017-08-24 12:54:56','2017-08-24 11:54:56','<div id=\"content\">\r\n<h1>IVA Knowledge Base</h1>\r\n<p class=\"orange\">Common questions answered about IVAs.</p>\r\n<span class=\"orange\">If you have a query not covered here, please call us or <a href=\"contact_action_question \">submit a question</a> for confidential advice about your own set of circumstances.</span>\r\n\r\nThe database currently contains\r\n47 questions.\r\n\r\nMore additions are being made on a daily basis.\r\n\r\nFinds matches in Questions OR Answers.\r\n<p class=\"summary\"></p>\r\n\r\n<h3 style=\"margin: 0px;\">11) Can I cancel the IVA once it is set up ?</h3>\r\n<p style=\"margin: 0px;\">An IVA is a legal process and, once it is set up, cannot be cancelled. However it will fail if you do not comply with the terms and your supervisor may take legal proceedings against you.</p>\r\n\r\n<h3 style=\"margin: 0px;\">12) What happens if the IVA is not approved ?</h3>\r\n<p style=\"margin: 0px;\">You will have to come to an informal arrangement with your creditors (or use the services of a debt management company) to repay your debts or declare yourself bankrupt. It is unlikely that we would make an IVA proposal without high confidence of acceptance.</p>\r\n\r\n<h3 style=\"margin: 0px;\">13) How are debts with joint liability treated with respect to an IVA, when only one of the debtors is applying for the IVA ?</h3>\r\n<p style=\"margin: 0px;\">There is no simple answer to this. It is at the discretion of the creditors and dependent upon individual circumstances. The creditor involved will be able to pursue the other party.</p>\r\n\r\n<h3 style=\"margin: 0px;\">14) I understand that the IVA company take their fees from monies paid into the IVA. But who pays the fees for of the setting up the IVA in the case of its rejection ?</h3>\r\n<p style=\"margin: 0px;\">If we proposed an IVA which is rejected, then we bear the cost. You are not charged a penny. We have a very high acceptance rate (98%) and would not propose an IVA when we thought it would not be approved. However, if the IVA fails because you pull out, you will be charged a fee.</p>\r\n\r\n<h3 style=\"margin: 0px;\">15) How much will I have to pay into the IVA ?</h3>\r\n<p style=\"margin: 0px;\">Monthly payments depend upon your disposable income rather than size of debt. This is what you have left with after reasonable monthly living expenses (excluding your debts) are taken from your monthly income. This figure will depend on your personal circumstances and will be agreed between you and your advisor. Normally the monthly payment will not be below £200</p>\r\n\r\n<h3 style=\"margin: 0px;\">16) Can I keep using my credit cards or take out a new loan during an IVA ?</h3>\r\n<p style=\"margin: 0px;\">No, During the IVA, you will not be able to use store or credit cards. Also, you will normally not be allowed to borrow more money. It may however be possible to change an existing mortgage while you are in an IVA. This must under the supervision of your insolvency practitioner (us).</p>\r\n\r\n<h3 style=\"margin: 0px;\">17) If I have positive equity in my property, how does this affect my IVA application ?</h3>\r\n<p style=\"margin: 0px;\">If you have any equity in your property (or any other significant valuable assets), you may be required to release some or all of this as part of the IVA agreement.</p>\r\n\r\n<h3 style=\"margin: 0px;\">18) What is the minimum number of Creditors required for an IVA ?</h3>\r\n<p style=\"margin: 0px;\">Usually 3 or more - but your advisor will talk you through it.</p>\r\n\r\n<h3 style=\"margin: 0px;\">19) What if I unexpectedly come into some money during the IVA ?</h3>\r\n<p style=\"margin: 0px;\">This is usually called a windfall, for example, winning the lottery, an inheritance or large bonus payment. Your IVA will usually include a \'windfall\' clause that will require you to pay the money into your arrangement. In the event of bonus payments, or regular overtime, depending on their value, typically you will be required to share the benefit on a fifty-fifty basis with your creditors.</p>\r\n\r\n<h3 style=\"margin: 0px;\">20) In terms of % amount of total debt. How many creditors need to attend the creditors meeting ?</h3>\r\n<p style=\"margin: 0px;\">Usually creditors do not attend the meeting, they vote by proxy, (meaning they register their vote without being there). Only one proxy is required.</p>\r\n<p class=\"summary\"></p>\r\n\r\n\r\n<hr />\r\n\r\n<strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions.\r\n\r\n</div>','Iva Faq Startrow 11 Newendrow 20 Totalrows 47','An Explaination of what an IVA is and the step involved in setting up an Individual Voluntary Arrangement','inherit','closed','closed','','241-revision-v1','','','2017-08-24 12:54:56','2017-08-24 11:54:56','',241,'http://insolvency-service.co.uk/241-revision-v1',0,'revision','',0),(358,2,'2017-08-24 12:55:05','2017-08-24 11:55:05','<div id=\"content\">\r\n<h1>IVA Knowledge Base</h1>\r\n<p class=\"orange\">Common questions answered about IVAs.</p>\r\n<span class=\"orange\">If you have a query not covered here, please call us or <a href=\"contact_action_question \">submit a question</a> for confidential advice about your own set of circumstances.</span>\r\n\r\nThe database currently contains\r\n47 questions.\r\n\r\nMore additions are being made on a daily basis.\r\n<h3 style=\"margin: 0px;\">1) Which debts can be included in an IVA ?</h3>\r\n<p style=\"margin: 0px;\">Normally, any unsecured debts can be included within an IVA. This inlcudes any overdrafts with your current bank and credit card balances.</p>\r\nIn short, any service that your are no longer using, for which money is outstanding, has the potential for inclusion in an IVA proposal. For example, an outstanding bill for a disconnected mobile phone.\r\n\r\nPersonal debts to the Inland Revenue and VAT can also be included.\r\n<h3 style=\"margin: 0px;\">2) Which debts cannot be included in an IVA ?</h3>\r\n<p style=\"margin: 0px;\">Secured loans and items on Hire Purchase can\'t be included as part of an IVA.</p>\r\nThe following debts cannot be included, but \"provisions\" can be made within the IVA propsal. By provisons we mean, the fact they are outstanding and must be paid impacts your ability to repay your creditors.\r\n<ul>\r\n <li>Council Tax Arrears</li>\r\n <li>Any fine or penalties imposed by a court</li>\r\n <li>Any liabilities arising under an order made in a family or domestic court action such as CSA claims for child support.</li>\r\n <li>Any liabilities arising under a confiscation order made under S.1 of the Drug Trafficking Act 1986 0r S.71 of the Criminal Justice Act 1988.</li>\r\n <li>Most educational loans, taken out after June 2004, as they fall outside of the Insolvency Act 1986.</li>\r\n</ul>\r\n<h3 style=\"margin: 0px;\">3) I live in rented property - Will my landlord find out about my IVA ?</h3>\r\n<p style=\"margin: 0px;\">Your landlord need not be aware of the IVA.</p>\r\n\r\n<h3 style=\"margin: 0px;\">4) Will I have to pay fees ?</h3>\r\n<p style=\"margin: 0px;\">Although fees are charged for both setting up and supervising the IVA, they are taken out of monthly payments you have agreed to pay into the IVA. In other words your creditors bear the cost of an IVA. They are happy to do this as you are making a commitment to pay of your debts as best you can.</p>\r\n\r\n<h3 style=\"margin: 0px;\">5) Are you regulated ?</h3>\r\n<p style=\"margin: 0px;\">Our licensed Insolvency Practitioners are regulated by either:-</p>\r\n\r\n<ul>\r\n <li>Association of Chartered Certified Accountants (ACCA)</li>\r\n <li>Institution of Chartered Accountants of England and Wales (ICAEW)</li>\r\n <li>Department of Trade and Industry (DTI)</li>\r\n <li>Insolvency Practitioners Association (IPA)</li>\r\n</ul>\r\nLicensed insolvency practitioners are monitored regularly by their professional bodies. This ensures they are complying with the law and\r\nensures high standards are maintained.\r\n<h3 style=\"margin: 0px;\">6) Can I do an IVA without affecting my Property/House ?</h3>\r\n<p style=\"margin: 0px;\">In some circumstances your home may be excluded from the arrangement. However, should you have equity in your house, this will be taken into account when making an offer to creditors. You may have to release some of the equity in your property at some stage during the IVA.</p>\r\nYour creditors are only going to approve an IVA if they consider they will get more money back than via bankruptcy. If the equity in your property is more than your unsecured debts, then they could get it all back by bankrupting you, and forcing you to sell your home.\r\n<h3 style=\"margin: 0px;\">7) Can an IVA be settled early ?</h3>\r\n<p style=\"margin: 0px;\">Many IVAs end early with the introduction of a lump sum of money. We can arrange a variation meeting to offer a sum of money in full and final settlement of your obligations under the IVA. The new funds are typically raised by remortgage, inheritance, cashing in of policies etc. Creditors do support early settlements as they generally prefer to receive their money early than wait for payments over a five year period.</p>\r\n\r\n<h3 style=\"margin: 0px;\">8) Can I obtain an IVA if a bankruptcy order has been made against me ?</h3>\r\n<p style=\"margin: 0px;\">Yes, if you have not been discharged from bankrptcy. It is possible to annul a bankruptcy and enter into an IVA if it is more appropriate.</p>\r\n\r\n<h3 style=\"margin: 0px;\">9) Can one individual creditor refuse to accept an IVA ?</h3>\r\n<p style=\"margin: 0px;\">One creditor can stop the IVA if they are owed more than 25% of the debts. If more that 75% of your creditors by value approve the IVA, then any dissenting creditors are bound by the arrangement.</p>\r\n\r\n<h3 style=\"margin: 0px;\">10) Will the IVA stop my creditors from taking further action against me ?</h3>\r\n<p style=\"margin: 0px;\">Once the IVA is in place, you are protected from further recovery action by the creditors scheduled in the IVA.</p>\r\n\r\n\r\n<hr />\r\n\r\n<strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions.\r\n\r\n</div>','Iva Faq','An Explaination of what an IVA is and the step involved in setting up an Individual Voluntary Arrangement','inherit','closed','closed','','240-revision-v1','','','2017-08-24 12:55:05','2017-08-24 11:55:05','',240,'http://insolvency-service.co.uk/240-revision-v1',0,'revision','',0),(359,2,'2017-08-24 12:55:33','2017-08-24 11:55:33','<div id=\"content\">\r\n<h1>IVA Knowledge Base</h1>\r\n<p class=\"orange\">Common questions answered about IVAs.</p>\r\n<span class=\"orange\">If you have a query not covered here, please call us or <a href=\"contact_action_question \">submit a question</a> for confidential advice about your own set of circumstances.</span>\r\n\r\nThe database currently contains\r\n47 questions.\r\n\r\nMore additions are being made on a daily basis.\r\n\r\nFinds matches in Questions OR Answers.\r\n<h3 style=\"margin: 0px;\">21) I\'m considering an IVA, but my creditors are taking me to court. Can this be stopped ?</h3>\r\n<p style=\"margin: 0px;\">When the IVA proposal is prepared, the court is notified. This is usually sufficient to stop proceedings. If not, your advisor will write to the court and the creditors concerned on your behalf. Further steps can be taken if necessary.</p>\r\n\r\n<h3 style=\"margin: 0px;\">22) Will an IVA affect my ability to obtain further credit ?</h3>\r\n<p style=\"margin: 0px;\">Until an IVA is completed it is a fundamental requirement that you do not incur further credit. Once complete there is no reason why an individual cannot apply successfully for credit.</p>\r\n\r\n<h3 style=\"margin: 0px;\">23) Who can I speak to if I wish to complain ?</h3>\r\n<p style=\"margin: 0px;\">We take complaints and customer service issues very seriously; should you feel the need to complain you can do so at our registered address. If you are not satisfied, you may take your complaint to any of the following:</p>\r\n\r\n<h3 style=\"margin: 0px;\">24) Does the Insolvency Practitioner (i.e. ourselves) represent the Creditor or the Debtor ?</h3>\r\n<p style=\"margin: 0px;\">Neither. The role of the IP is to act as a go between to ensure there is a balance between what Creditors can reasonably demand and what a Debtor can reasonably be expected to pay.</p>\r\n\r\n<h3 style=\"margin: 0px;\">25) Will I be able to hold public office Eg. Company Director ?</h3>\r\n<p style=\"margin: 0px;\">Unlike Bankruptcy, an IVA does not restrict your ability to hold positions such as a Justice of the Peace and Trustee of a School. However, there are certain restrictions in the case of a Company Director.</p>\r\n\r\n<h3 style=\"margin: 0px;\">26) Can I arrange an IVA directly with my creditors ?</h3>\r\n<p style=\"margin: 0px;\">No. The arrangement takes the form of a contract that is legally binding. One of the key components of this is that your proposal of repayment is handled by a Nominee and the ongoing maintenance of the payment schedule is the responsibility of a Supervisor. In most cases the IP (Ourselves) will fulfil both of these roles.</p>\r\n\r\n<h3 style=\"margin: 0px;\">27) Will I have to close my bank account ?</h3>\r\n<p style=\"margin: 0px;\">It is often good practice to arrange new banking facilities in order to establish a fresh start before embarking on an IVA. This is essential if your current banker holds a proportion of the debt that is to be placed in the IVA. Your advisor will let you have more information in respect of this.</p>\r\n\r\n<h3 style=\"margin: 0px;\">28) Is it really true an IVA will guarantee to write off up to 75% of my debts ?</h3>\r\n<p style=\"margin: 0px;\">Yes, provided you keep to the terms of the arrangement, and all your debts are included in the proposal. Unlike debt management schemes, an IVA is a once and for all settlement of your debts (excluding the mortgages and secured loans).\r\nIt is essential that you include all your debt in the proposal. Any excluded creditors may challenge the validity of the arrangement.</p>\r\nOnce the arrangement is successfully finished, your debts are written off permanently.\r\n<h3 style=\"margin: 0px;\">29) My partner/spouse and I have joint debts. Can they be considered together in the same IVA ?</h3>\r\n<p style=\"margin: 0px;\">Both of you will have to propose separate but linked IVA proposals. It also depends on how much debt is joint and how much you own independently of each other.\r\nAn advisor can discuss this with you.</p>\r\n\r\n<h3 style=\"margin: 0px;\">30) How will an IVA affect my credit rating ?</h3>\r\n<p style=\"margin: 0px;\">An IVA will be on your credit record for six years, the same length of time as any other adverse credit information.</p>\r\n\r\n\r\n<hr />\r\n\r\n<strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions.\r\n\r\n</div>','Iva Faq Startrow 21 Newendrow 30 Totalrows 47','An Explaination of what an IVA is and the step involved in setting up an Individual Voluntary Arrangement','inherit','closed','closed','','242-revision-v1','','','2017-08-24 12:55:33','2017-08-24 11:55:33','',242,'http://insolvency-service.co.uk/242-revision-v1',0,'revision','',0),(360,2,'2017-08-24 12:56:06','2017-08-24 11:56:06','<div id=\"content\">\r\n<h1>IVA Knowledge Base</h1>\r\n<p class=\"orange\">Common questions answered about IVAs.</p>\r\n<span class=\"orange\">If you have a query not covered here, please call us or <a href=\"contact_action_question \">submit a question</a> for confidential advice about your own set of circumstances.</span>\r\n\r\nThe database currently contains\r\n47 questions.\r\n\r\nMore additions are being made on a daily basis.\r\n\r\nFinds matches in Questions OR Answers.\r\n<h3 style=\"margin: 0px;\">31) Can my arrangement be brought to an early conclusion ?</h3>\r\n<p style=\"margin: 0px;\">Yes, a meeting of your creditors can be convened to offer a sum of money in full and final settlement of your obligations under the IVA. The sum of money could be raised by:</p>\r\n\r\n<ol>\r\n <li>Re-mortgaging your property.</li>\r\n <li>Funds from a relative or other third party.</li>\r\n <li>Cashing in life insurance policies (Subject to you obtaining expert investment advice).</li>\r\n</ol>\r\nCreditors are likely to agree to accept a lump sum to bring the arrangement to an early end if you can show that you are paying creditors as much as you can afford.\r\n<h3 style=\"margin: 0px;\">32) What sorts of people enter into IVAs ?</h3>\r\n<p style=\"margin: 0px;\">Simply people who cannot pay their debts. If you cannot pay your debts as they fall due, you are insolvent and the law gives you two alternatives - bankruptcy or an IVA. IVAs are entered into by a wide range of people with a common problem they cannot pay their debts.</p>\r\n\r\n<h3 style=\"margin: 0px;\">33) What happens at the end of the agreement ?</h3>\r\n<p style=\"margin: 0px;\">As long as the terms of the proposals have been fully carried out, your creditors will have no further claim against you and the balance of any unpaid debts is written off. You will be provided with documentation to confirm that you have satisfactorily completed the IVA and a report will be sent to your creditors.</p>\r\n\r\n<h3 style=\"margin: 0px;\">34) Can I stay in business ?</h3>\r\n<p style=\"margin: 0px;\">Yes, you can. IVAs have helped thousands of sole traders remain in business when faced with severe financial problems.</p>\r\n\r\n<h3 style=\"margin: 0px;\">35) Can I enter into an IVA if I have already received a Statutory Demand ?</h3>\r\n<p style=\"margin: 0px;\">Yes, although we recommend that you contact an Insolvency Practitioner as soon as possible.</p>\r\n\r\n<h3 style=\"margin: 0px;\">36) Do I have to meet the Insolvency Practitioner ?</h3>\r\n<p style=\"margin: 0px;\">You dont have to, but we appreciate that entering into an IVA is a big step and that many of our clients will want to meet the people who are dealing with their affairs. That is why we will always offer the opportunity for you to meet one of our representatives.</p>\r\n\r\n<h3 style=\"margin: 0px;\">37) What if I fail to keep up the agreement ?</h3>\r\n<p style=\"margin: 0px;\">If you fall into difficulty and are unable to make the payments to your IVA, it is possible to agree a payment holiday with your creditors via ourselves. The months which you miss will normally be added to the end of the agreement.\r\nIf during the period of your IVA your circumstances change for the worse, perhaps you change your job and earn less money, you may find that you cannot maintain the agreed payments. In these circumstances, the IP can ask your creditors if they will agree to vary the terms of your proposals. If up until that time, you have maintained your payments without problem, your creditors may be mindful to accept such changes.</p>\r\nNote, if you are unable to re-start your payments at all, it is likely that the IVA will fail. Your creditors will then be able to take other action against you and alternative arrangements must be made.\r\n<h3 style=\"margin: 0px;\">38) What are the Disadvantages of an IVA?</h3>\r\n<ul>\r\n <li><b>Possible release of home equity.</b>\r\nIf you have equity in your property, or any anything else of significant value. You may be required to release some or all of this as part of the IVA agreement. Please call us if your require more clarity on this.</li>\r\n <li><b>Minimum debt and monthly repayments exclude many people.</b>\r\nNormally can only do an IVA if your unsecured debt is more than £15,000 and you can afford a monthly payment of at least £200.</li>\r\n <li><b>No unsecured borrowing. </b>\r\nWhile you are in an IVA, you will not be able to use store or credit cards. You will normally not be allowed to borrow any more money until you have successfully completed your arrangement. It may however be possible to change an existing mortgage or take a new one while you are in an IVA.</li>\r\n</ul>\r\n<h3 style=\"margin: 0px;\">39) What if my circumstances change and i can afford to make increased payments during the IVA?</h3>\r\n<p style=\"margin: 0px;\">During your IVA, regular reviews of your circumstances and ability to maintain your monthly payments will be undertaken by you advisor. This is normally once a year. If it is agreed that your circumstances have not changed, then you will continue to make your monthly IVA payment as normal. If however your circumstances have changed for the better, you may be asked to increase your monthly payments accordingly.</p>\r\n\r\n<h3 style=\"margin: 0px;\">40) What if my circumstances change and i can\'t afford agreed payments?</h3>\r\n<p style=\"margin: 0px;\">If you fall into difficulty and are unable to make the payments to you IVA (e.g. you loose your job or have a bad month), it is possible to agree a payment holiday with your advisor. Missed payments are normally be added to the end of the agreement.</p>\r\nDuring the IVA your circumstances may change for the worse (perhaps you change your job and earn less money), you may find that you cannot maintain the agreed payments. In these circumstances, your advisor can ask your creditors if they will agree to vary the terms of your proposals. If up until that time, you have maintained your payments without problem, your creditors are likely to accept such changes.\r\n\r\nNote, if you are unable to re-start your payments at all, it is likely that the IVA will fail. Your creditors will then be able to take other action against you and alternative arrangements must be made.\r\n\r\n<hr />\r\n\r\n<strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions.\r\n\r\n</div>','Iva Faq Startrow 31 Newendrow 40 Totalrows 47','An Explaination of what an IVA is and the step involved in setting up an Individual Voluntary Arrangement','inherit','closed','closed','','243-revision-v1','','','2017-08-24 12:56:06','2017-08-24 11:56:06','',243,'http://insolvency-service.co.uk/243-revision-v1',0,'revision','',0),(361,2,'2017-08-24 12:56:19','2017-08-24 11:56:19','<h1>IVA Costs and Fees</h1>\r\n<p class=\"summary\">Most of the advertising for IVA\'s gives the impression that the IVA company provides a Free Service or that the fees charged are of no consequence to the debtor. <strong>This is very misleading. </strong></p>\r\nIt is true that creditors pay for the costs of an IVA. However, as our charges to the creditors are lower than most other IVA providers, we get IVA\'s approved that would otherwise get rejected. Therefore<strong> we can help even more people out of debt than most other IVA companies. </strong>\r\n<h2>Typical Fees Of Other IVA Providers</h2>\r\nWhen proposing an IVA to your creditors, you\'re offering to pay back between 25p and 100p in the pound, normally over 5 years. This is called the dividend.\r\n\r\nThe creditors receive this dividend, minus the IVA company\'s fee. Therefore it is true that the <strong>creditors bear the cost of an IVA</strong> by accepting these terms, however the charges levied by the IVA company is a factor in whether creditors accept or reject the proposal.\r\n\r\nThe IVA fees charged to the creditor are in 2 parts.\r\n<ul>\r\n <li><strong>A Nominee\'s Fee </strong> - often £2500 +vat\r\nThis is the fee for setting up and proposing the IVA.</li>\r\n <li><strong>A Supervisor\'s Fee </strong> - often £1000 +vat per year.\r\nThis is the fee for supervising the IVA for the normal 5 year duration.</li>\r\n</ul>\r\nTherefore, many other IVA companies indirectly trouser almost £9000 (including vat) of your money should the IVA complete.\r\n<h2>Our Low Fees</h2>\r\nOur fees are considerable less than the industry normal.\r\n<ul>\r\n <li><strong>Our Nominee\'s Fee </strong>\r\n£750 +vat for debts under £15,000\r\n£1500 +vat for debts over £15,000</li>\r\n <li><strong>Our Supervisor\'s Fee </strong>\r\n£50 +vat per month.</li>\r\n</ul>\r\nTherefore our fees are £3,750 +vat or £4,500 +vat, depending on the level of the debt. This is about 40% less than the majority of other IVA providers.\r\n<h2>Our Minimum Level of Debt</h2>\r\n<strong>In law, there is no minimum level of debt for an IVA</strong>.\r\nDue to the costs involved, there must be a minimum level of debt to allow a substantial repayment to the creditors.\r\n\r\nMany IVA companies will only propose an IVA for debts of over £20,000. However, often people owe more than they realise. Bearing this in mind, many IVA companies advertise their services for debts of £15,000, knowing that many people thinking they have debts of around £15,000 actually owe much more. Many such companies rarely accept cases for debts, actually of, £15,000.\r\n\r\nDue to our <strong>lower charges</strong>, we routinely have IVA\'s accepted for debts of around £15,000, and many for £10,000 - £12,000. We\'ve had <strong>IVA proposals accepted for debts of £8,000.</strong>\r\nIVA\'s for such low debt levels are for exceptional circumstances. For example, if the debtor has an job such that bankruptcy means instant dismissal, an IVA is better for debtor and the creditors.\r\n<h2>Our Minimum Monthly Payments</h2>\r\n<strong>In law, there are no minimum monthly payments for an IVA.</strong>\r\nMost IVA advertising refers to minimum payments of £200. Our lower charges mean more for the creditors, hence lower minimum payments - therefore we can get<strong> more people accepted onto an IVA</strong>.\r\nWe have many clients paying as little as £150 - £170 into their IVA\'s. A few pay as little as <strong>£140 per month</strong>, however, these are exceptional cases as per the example above.\r\n<h2>No Up Front Payments</h2>\r\n<strong>We do not charge up front fees.\r\n</strong>Many IVA companies charge up front payments from debtors to prepare an IVA proposal, typically £500. We <strong>consider this to be morally wrong </strong>as it often means more debt for the client. Some companies advise clients to borrow to fund this up-front the payment. Now, this is <strong>criminally wrong.</strong> This is incurring more debt when it is known that the client is insolvent and has no ability to, nor intention of paying it back.\r\n<h2>How We Keep Our Fees Low</h2>\r\nMany debt companies offer only IVAs and spend a fortune advertising this single service. As we offer the <strong>full range of debt solutions</strong>, we can help most people who contact us who can afford to pay at least £100 per month towards their debts.\r\n\r\nDue to our<strong> professional excellence</strong> and experienced,<strong> highly trained staff</strong>, we are able to operate very efficiently. All this helps keeps our costs down while offering the <strong>highest standard of service.</strong>\r\n<h2>Our Excellent IVA Approval Rate</h2>\r\nWe boast a better than average IVA proposal approval rate of about 97%. The industry average is about 92%. As our fees are low, it is in essential for us to maintain this excellent record. We only have cases rejected when someone has been less than honest with us. For example, creditors find our about debt not included in the IVA proposal.\r\n<div id=\"BottomCalltoAction\">\r\n<h2>What To Do Next</h2>\r\nIf you are experiencing debt problems and would like advice as to the best solution for your circumstances, then <strong>CALL US</strong> or submit the<strong> INSTANT ADVICE </strong> form for<strong> Immediate Free Advice.\r\n</strong>\r\n\r\n</div>','IVA Fees Costs','','inherit','closed','closed','','220-revision-v1','','','2017-08-24 12:56:19','2017-08-24 11:56:19','',220,'http://insolvency-service.co.uk/220-revision-v1',0,'revision','',0),(362,2,'2017-08-24 12:56:30','2017-08-24 11:56:30','<div id=\"content\">\r\n<h1>IVA Knowledge Base</h1>\r\n<h3 style=\"margin: 0px;\">41) Do I have to tell my Partner or Spouse?</h3>\r\n<p style=\"margin: 0px;\">If none of the debts are jointly in your partner\'s name, then you don\'t need to tell them.\r\nHowever, it is likely they will find out in the course of time, so we advise openness from the offset.</p>\r\n\r\n<h3 style=\"margin: 0px;\">42) Why would a creditor allow my to write off a proportion of the money I owe and accept an IVA proposal?</h3>\r\n<p style=\"margin: 0px;\">The IVA must offer a higher return to creditors than could otherwise be expected if you were to be made bankrupt. Where contributions from income are being made, IVAs are generally expected to be for a period longer than that in bankruptcy, i.e 5 years as opposed to 3 years. The 5-year period is often required by creditors in return for allowing the Debtor to avoid the consequences of bankruptcy.</p>\r\n\r\n<h3 style=\"margin: 0px;\">43) I have just over £15,000 of debt - Can you help me write off 75%?</h3>\r\n<p style=\"margin: 0px;\">No. Normally, you must pay at least £200 for 60 months when on an IVA, meaning that you must be able to pay back £12,000 over 5 years. To be able to write off 75%, you would had to have had at least £48,000 of debt and be able to demonstate to your creditors you can only afford £200 per month towards your IVA. Much of the the advertising around IVA is very misleading in this respect.</p>\r\n\r\n<h3 style=\"margin: 0px;\">44) Are the terms of an IVA always fixed for the duration of the IVA ?</h3>\r\n<p style=\"margin: 0px;\">No. Anyone on an IVA will be subject to an annual review, contacted by IVA supervisor. If the Debtors circumstances change while the IVA is in place, then the terms of the IVA may to altered to take these changes into account. For example, an increase in income may result in IVA payments having to increase.</p>\r\n\r\n<h3 style=\"margin: 0px;\">45) Can anyone with debts over £15,000 apply for an IVA?</h3>\r\n<p style=\"margin: 0px;\">No, you must be technically insolvent.\r\nThere are two main tests of insolvency.</p>\r\n\r\n<ul>\r\n <li>Your liabilities (debts) are greater than your assets.</li>\r\n <li>You are unable to pay your debts as they fall due.</li>\r\n</ul>\r\nIf you are concerned about either of these situations you should seek advice on your financial position, as a solution is often achievable if the problems are dealt with quickly.\r\n<h3 style=\"margin: 0px;\">46) How will the monthly IVA payments be made?</h3>\r\n<p style=\"margin: 0px;\">A standing order will be set up from your bank account to an account held by us that will be used to collect and monitor your IVA payments.</p>\r\n\r\n<h3 style=\"margin: 0px;\">47) Why do some companies seem to offer IVAs for debts of £12,000 or even less?</h3>\r\nThere are 2 reasons for this:-\r\n<ul>\r\n <li>It\'s just pure marketing. When looking for debt help, many people underestimate their debt by as much as 30%. So people thinking they owe just £12,000 often owe much more an do qualify for an IVA.</li>\r\n <li>Most, if not all IVA companies have an agreement with a debt management company. If they get the details of a debtor not qualifying for an IVA, but suitable for debt management, then it make good business sense to either sell the lead or swap it for potential IVA cases.</li>\r\n</ul>\r\n\r\n<hr />\r\n\r\n<strong>Disclaimer</strong>: The material on this website is for general information only and should not be relied upon make important decisions.\r\n\r\n</div>','IVA Knowledge Base 2017','An Explaination of what an IVA is and the step involved in setting up an Individual Voluntary Arrangement','inherit','closed','closed','','244-revision-v1','','','2017-08-24 12:56:30','2017-08-24 11:56:30','',244,'http://insolvency-service.co.uk/244-revision-v1',0,'revision','',0),(363,2,'2017-08-24 12:56:42','2017-08-24 11:56:42','\r\n<h1>IVA Procedure</h1>\r\n<p class=\"summary\">When you make initial contact with us - we\'ll need to ask you about your debts, personal finances and about your incomings and outgoings. Only if we consider an IVA is likey to be accepted in your cirumstances, would we advise a formal proposal.</p>\r\n\r\n<ol>\r\n <li>Once we\'ve accpeted your case, you will need to complete and return a questionnaire which give one of our teams of Insolvency Practitioners the information required to prepare the IVA Proposal.</li>\r\n <li>You will need to sign a formal letter of instruction, and a letter authorising us to contact your creditors. This will hopefully ensure that the creditors stop contacting you and will contact your IP instead. This will naturally reduce any stress and pressure from you.</li>\r\n <li>A draft Proposal will be prepared based on the information you have been provided, and will be sent to you for approval. You may be asked to provide further details in respect of any information that may still be outstanding or missing.</li>\r\n <li>The draft Proposal is returned to the IP by you with any alterations and missing information required. The IVA Proposal will then be updated and sent out to you for final approval.</li>\r\n <li>You will need to sign the Proposal and return it to the IP upon which he will then formally agree to become your Nominee.</li>\r\n <li>The IP is then required to make out a report and to comment on your offer to creditors and will then lodge both his report and your IVA Proposal in court. This is a mere formality, and you will not be required to attend court unless there are exceptional circumstances. If there are such circumstances, you will be advised of this at the outset of your case.</li>\r\n <li>A Meeting of Creditors will be convened and your IVA Proposal together with the Nominee\'s Report will be sent to all creditors to consider. You do not have to attend the Meeting of Creditors.</li>\r\n <li>On the date of the Meeting of Creditors, the Creditors vote on whether they are willing or unwilling to accept your offer and if 75% by value of those Creditors voting, agree to accept your offer, then the IVA will become approved. The Arrangement will be binding on all Creditors at that stage, whether they voted or not.</li>\r\n <li>If necessary the Meeting of Creditors can be adjourned for up to 14 days to consider any revised offers, if applicable.</li>\r\n</ol>\r\n<h2>What is the Time Frame of Setting Up an IVA?</h2>\r\nThe time stated in the table is the maximum number of days that is usually taken by our insolvency practitioners to process the paperwork and the timescale\'s dictated by the Court and Insolvency Act 1986.\r\n\r\nNo allowance has been made for the length of time that it takes a client to return paperwork or file paperwork at Court, as this varies significantly from client to client.\r\n\r\n','Iva Time Frame','','inherit','closed','closed','','239-revision-v1','','','2017-08-24 12:56:42','2017-08-24 11:56:42','',239,'http://insolvency-service.co.uk/239-revision-v1',0,'revision','',0),(364,2,'2017-08-24 12:56:52','2017-08-24 11:56:52','<h1>IVA Advantages and Disadvantages</h1>\r\n<p class=\"summary\">IVA can be most suitable debt solution for many people, but there will always be advantages and disadvantage with respect other options. Here we explain the Pros and Cons between an IVA and Bankruptcy, Debt Consolidation Loans and Debt Management.</p>\r\n\r\n<h2>IVA Advantages over Bankruptcy</h2>\r\n<ul>\r\n <li><strong>Creditors agree to write off the debt you can\'t afford to repay. </strong>\r\nThis is to a maximum of 70% of the original debt, provided you maintain agreed repayments for 60 months.</li>\r\n <li><strong>An IVA in a private matter and is not advertised.</strong>\r\nHowever your name and address will appear on the Individual Insolvency Register.</li>\r\n <li><strong>You will not be subject to employment restrictions or lose your job</strong>.\r\nThis is unless there is a specific clause relating to IVA\'s in your employment contract.</li>\r\n <li><strong>You get to keep your home</strong>.\r\nYou may have to re mortgage to release equity in the final year of the IVA. In bankruptcy, you will loose your home if the equity held in it is needed to pay your debts.</li>\r\n <li><strong>All reasonable assets can be retained. </strong></li>\r\n <li><strong>You may continue to run your own business\r\n</strong>In bankruptcy, your business will be wound up and your employees dismissed.</li>\r\n <li><strong>You may continue to be a company director.</strong></li>\r\n <li><strong>No question of rash or hazardous behaviour.\r\n</strong>In bankruptcy, you may become subject to a <a href=\"Restriction-Orders \">Bankruptcy Restriction Order</a> if the Official Receiver considers you have been blameworthy and/or reckless in contributing to your bankruptcy.</li>\r\n <li><strong>No potential of judicial investigation into your finances. </strong>\r\nIn bankruptcy, the Official Receiver will investigate your financial affairs and report any irregularities to\r\nthe courts. This could result in criminal proceedings.</li>\r\n <li><strong>Under certain circumstances an IVA can result in an existing bankruptcy being annulled. </strong>This is called a <a href=\"fast-track-ivas \">Fast Track IVA</a></li>\r\n</ul>\r\n<h2>IVA Disadvantages compared to Bankruptcy</h2>\r\n<ul>\r\n <li><strong>You pay back more of your debt. </strong>\r\nThis is an advantage for the creditors. The whole point of a IVA is to allow creditors to get back more of their money than they would via bankruptcy. In bankruptcy, you are only required to make payments from income for maximum of 3 years, often less.\r\nWith an IVA you agree to repay what you can afford each month for 5 years.</li>\r\n <li><strong>You can still be made bankrupt.</strong>If you fail to maintain the agreed IVA payments, your creditors may choose to start bankruptcy proceedings against you. This may leave you in a worse financial position than if you chose bankruptcy over an IVA in the first place.</li>\r\n</ul>\r\n<h2>IVA Advantages over a Debt Consolidation Loan</h2>\r\n<ul>\r\n <li><strong>A portion of the debt can be written off with an IVA </strong>\r\nWith a consolidation loan, you may be reducing your monthly payments, but due to the longer terms of loan will be paying more than the original debt over the extended period of the loan.</li>\r\n <li><strong>Your are not putting your home at risk with an IVA\r\n</strong>If you take out a secured loan on your property, your are increasing the risk of your home being repossessed if you fail to make repayments.</li>\r\n <li><strong>Less room for negotiation later.</strong>\r\nIf you consolidate your debts into one loan with one creditor, you will be in a weaker position to negotiate should you fall in to difficulties in the future.</li>\r\n</ul>\r\n<h2>IVA Disadvantages compared to a Debt Consolidation Loan</h2>\r\n<ul>\r\n <li><strong>No more unsecured credit.</strong>\r\nWhile on an IVA, you can\'t take any significant unsecured credit.</li>\r\n <li><strong>Negative effect on credit record.\r\n</strong>An IVA will be recorded on your credit record for 6 years. This is the same as all adverse information. If you applied for a mortgage during this period, you would not be offered the cheapest deals and may be required to put down a larger deposit.</li>\r\n</ul>\r\n<h2>IVA Advantages over Debt Management</h2>\r\n<ul>\r\n <li><strong>A portion of the debt can be written off with an IVA. </strong>\r\nOn debt management the entire debt is repaid.</li>\r\n <li><strong>An IVA normally lasts more that 5 years.\r\n</strong>A debt management programme for how ever long it take to clear the debt.</li>\r\n</ul>\r\n<h2>Debt Management advantages over an IVA.</h2>\r\n<ul>\r\n <li><strong>A Debt Management programme can be for debts of just £2,000.\r\n</strong>£15,000 is normally quoted as the minimum unsecured debt with at least <strong>3</strong> creditors for an IVA. Due to our <a href=\"IVA-Fees-Costs \">Lower Costs</a> than most other IVA companies, we routinely get IVA approved from less than £15,000.</li>\r\n <li><strong>Minimum payment for debt management are £100 per month.\r\n</strong>£200 per month is the usual minimum for an IVA. However due to our <a href=\"IVA-Fees-Costs \">Lower Costs</a> we have placed many clients on IVA who pay less than this. <strong>\r\n</strong></li>\r\n <li><strong>An IVA is a formal agreement, the terms of which can be awkward to alter should your circumstances change for the better or for the worse. </strong>\r\nDebt Management is an informal arrangement and is not legally binding for the debtor or creditor. Many companies not offering debt management solutions will point to this as a negative point. However, while creditors continue to received regular payments via debt management, they will not seek to change the arrangement. If your circumstances change, with debt management, it is easier to renegotiate payments to either higher or lower levels. If you think debt management may be the most appropriate solution for you, then call us for free advice as this is also a solution we offer.</li>\r\n</ul>\r\n<div id=\"BottomCalltoAction\">\r\n<h2>What To Do Next</h2>\r\nIf you are experiencing debt problems and would like advice as to the best solution for your circumstances, then <strong>CALL US</strong> or submit the<strong> INSTANT ADVICE </strong> form for<strong> Immediate Free Advice.</strong>\r\n\r\nWe will explain all of the above options and explored how suitable each is for your particular circumstances.\r\n\r\n</div>','IVAProsCons','','inherit','closed','closed','','221-revision-v1','','','2017-08-24 12:56:52','2017-08-24 11:56:52','',221,'http://insolvency-service.co.uk/221-revision-v1',0,'revision','',0),(365,2,'2017-08-24 12:57:07','2017-08-24 11:57:07','<h1>Official Receiver & Trustee in Bankruptcy</h1>\r\n<p class=\"summary\">An explanation of the roles of the Official Receiver & Trustee in administering a bankruptcy order.</p>\r\n\r\n<h2>The Role of the Official Receiver.</h2>\r\nOfficial Receivers are civil servants within the Governments\' Insolvency Service. Upon making a bankruptcy order, the court appoints an Official Receiver who is primarily responsible for:-\r\n<ul>\r\n <li>Investigating your financial affairs and conduct and reporting this to the court. Any evidence of irregularity or criminal activity will be reported.</li>\r\n <li>Obtaining control of your property and assets of worth.</li>\r\n</ul>\r\nYou are required to fully co-operate with the Official Receiver. Failure to do so can have severe consequences ranging from a delay in bankruptcy discharge to a recommendation for a full criminal investigation of your affairs.\r\n\r\nThe Officer Receiver will require you to complete a questionnaire similar to the \"Statement of Affairs\" that you would have already completed if you had petitioned for your own bankruptcy.\r\n\r\nThe Official Receiver contacts all your creditors, inviting them to prove any claim for a debt held against you.\r\n\r\nThe Officer Receiver (or an member of their staff) will interview you by phone. You will required to attend for interview in person at the Officer Receiver\'s office in the case where:\r\n<ul>\r\n <li>You have petitioned your own bankruptcy.</li>\r\n <li>You have been made bankruptcy before.</li>\r\n <li>You have recently been trading in business.</li>\r\n</ul>\r\nThe Official Receiver has a wide range of powers and can, where appropriate arrange for:\r\n<ul>\r\n <li>Your mail to be redirected to their office.</li>\r\n <li>A court order for seizure of your passport.</li>\r\n</ul>\r\nThe Official Receiver registers the bankruptcy with the Land Registry and advertises it in:-\r\n<ul>\r\n <li><strong>The London Gazette</strong>\r\nThe London, Edinburgh, and Belfast Gazettes are the official newspapers of record in the United Kingdom. Several legal notices, including insolvency notices, are required by law to be published here.</li>\r\n <li><strong>One Local Newspaper</strong></li>\r\n</ul>\r\nThe Official Receiver also arranges for your bank account(s) to frozen.\r\n\r\nWithin 12 weeks of the bankruptcy order, the Official Receiver can arrange for a meeting of the creditors in order to appoint a <strong>Trustee</strong>. The appointed Trustee is normally a licensed Insolvency Practitioner. If no Trustee is appointed, then the Official Receiver becomes the Trustee.\r\n<h2>The Role of the Trustee</h2>\r\nWhen the Trustee is appointed, or the Official Receiver becomes the Trustee, all your assets vest into the control of the Trustee.\r\n\r\nThe Trustee is primarily responsible for:-\r\n<ul>\r\n <li>Disposing of your property, ensuring a fair price is obtained for the benefit of paying your creditors.</li>\r\n <li>Ensuring the proceeds your sale of your assets is shared out fairly amongst your creditors.</li>\r\n</ul>','Official Receiver Trustee','','inherit','closed','closed','','222-revision-v1','','','2017-08-24 12:57:07','2017-08-24 11:57:07','',222,'http://insolvency-service.co.uk/222-revision-v1',0,'revision','',0),(366,2,'2017-08-24 12:57:20','2017-08-24 11:57:20','<h1>Payments from income during Bankruptcy</h1>\r\n<p class=\"summary\">You may be required to make payments from your income towards your debts for up to 36 months. This depends on the surplus money you have after you have met your essential living expenses.</p>\r\nIf you have at least £100 over each month after you have paid for all your essential living expenses, the Trustee may claim monthly or weeks payment towards the bankruptcy.\r\n\r\nYou can use this <a href=\"http://www. betterbanking.org.uk/debt-calculator.php\" target=\"_blank\" rel=\"noopener\">income/Outgoing calculator</a> for a guide as to what can be included as expenses needed for basic domestic living.\r\n\r\nYou will be assessed as to how much of this surplus income you are require to pay, which is normally between 50% and 70%. Generally, single people without dependants and those with greater surplus income are assessed towards the higher end of this range.\r\n\r\nIf your main or only income is state benefits or a state pension, then it is unlikely you will be required to make payments.\r\n\r\nThe Trustee claims the surplus income by means of a IPA or IPO.\r\n<h2><strong> Income Payments Agreement (IPA)</strong></h2>\r\nAn <strong>IPA </strong> is a written agreement between the Trustee and the bankrupt. It is a binding agreement that states the bankrupt, or a third party, will make payments towards the bankruptcy for a specified period.\r\n<h2><strong>Income Payments Order (IPO)</strong></h2>\r\nAn <strong>IPO</strong> may be sought through the court if a bankrupt won\'t agree to a proposed <strong>IPA</strong>. If necessary, the court can arrange for an attachment of earning order to take the money directly from your employer or get benefits stopped.\r\n\r\nIPO\'s/IPA\'s can last for up to 36 months which can <strong>continue after discharge from bankruptcy</strong>.\r\n\r\nYou may be required to make payments from any income, including pensions, towards your bankruptcy.\r\n<h3>Missed IPA/IPO payments.</h3>\r\nIf you miss a payment, you will be required to provide an explanation and arrange for arrears to be paid. If the problem is longer term, for example due to a drop in income or a necessary regular expense, the Trustee can reassess the situation.\r\n\r\nThe Trustee may decide that an IPA/ IPO is no longer appropriate and you are therefore no longer be required to make payments. However if this happens you must inform the Trustee if your surplus income rises again before the end of the IPA/IPO. The IPA/IPO will end on the original date despite agreed reduced or suspension of payments.\r\n\r\nIf you miss payments, and do not contact your Trustee about any difficulties, the Trustee may apply to the court for an order suspending your discharge from bankruptcy. The Trustee can also take steps to recover the money you owe, including <strong>another bankruptcy order.</strong>\r\n\r\nIf you fail to make payments under an IPO, you are <strong>in contempt of court</strong> and the court may punish you accordingly.','Payments From Income','','inherit','closed','closed','','223-revision-v1','','','2017-08-24 12:57:20','2017-08-24 11:57:20','',223,'http://insolvency-service.co.uk/223-revision-v1',0,'revision','',0),(367,2,'2017-08-24 12:57:44','2017-08-24 11:57:44','<h1>Bankruptcy and Pensions</h1>\r\n<p class=\"summary\"><span class=\"nomargin\">In bankruptcy, you may lose some of your pension capital and have to make payments from pension income towards your debts. </span></p>\r\nThere are four types of pension you may have already or could receive in the future:\r\n<ul>\r\n <li><strong>State Pension</strong></li>\r\n <li><strong>Occupational Pension</strong>\r\n- Contributions may have been made by the employer, the employee, or both.</li>\r\n <li><strong>Personal Pension</strong>.</li>\r\n <li><strong>Group Personal Pension</strong> - Payments are made to a pension provider, often on favourable terms negotiated by a employer/ trade association or union. In bankruptcy these are treated in the same way as other personal pensions.</li>\r\n</ul>\r\n<h2>Will I loose some of my pension?</h2>\r\nState pensions or any payments from the State Second Pension (S2P) scheme are never impacted by Bankruptcy proceedings.\r\n\r\nThe <strong><a href=\"http://www.opsi.gov.uk/ACTS/acts1999/90030--c.htm#11\" target=\"_blank\" rel=\"noopener\">Welfare Reform and Pensions Act 1999</a></strong> states that where a bankruptcy order was made on a bankruptcy petition which was presented on or after 29th May 2000, all pension schemes (Occupational or Private) which have been approved by HM Revenue and Customs do not form part of a bankrupt\'s estate and therefore cannot be claimed by the Trustee in bankruptcy. <strong>\r\nThis refers to the pension as an asset, not income from the pension. </strong>\r\n\r\n<strong>Approved pension schemes defined as: </strong>\r\n<ul>\r\n <li>Those registered under <strong><a href=\"http://www.opsi.gov.uk/ACTS/acts2004/40012--p.htm\" target=\"_blank\" rel=\"noopener\">section 153 of the Finance Act 2004</a> </strong>(meaning, schemes registered by HM Revenue and Customs plus annuity contracts used to secure benefits under a registered pension scheme which do not provide for immediate payment of benefits)</li>\r\n <li>Retirement annuity contracts.</li>\r\n <li>Those approved by the HM Revenue and Customs for tax purposes;</li>\r\n <li>Stakeholder pensions.</li>\r\n</ul>\r\n<strong>Unapproved pension schemes</strong>\r\nUnapproved pension scheme can possibly be excluded from a bankruptcy estate by applying to court for an exclusion order or by making a qualifying agreement with the Official Receiver.\r\n\r\n<strong>Pensions included in a Bankruptcy estate.</strong>\r\nWhen a pension policy is included in a bankruptcy estate, the official receiver can claim the lump sum and the regular payments. This can also be after discharge from bankruptcy. It may be possible to buy back part or all of the pension policy at a later time.\r\n<h2>Income from Pensions during Bankruptcy</h2>\r\nIf you receive a regular income from a pension and/or a lump sum during bankruptcy, then this may be subject to an income payment order or income payment agreement.\r\n\r\nYou may apply to the court to for an <strong>exclusion order</strong> or make an <strong>qualifying agreement</strong> with the Trustee that this should be excluded. As in the case of unapproved pension schemes, your current and future needs and that of your family/dependants are considered.\r\n\r\nThe qualifying agreement can be revoked by the Trustee if you are found to fail to disclose relevant details that would have altered the decision made on the agreement.\r\n\r\nYou make apply to the court for an exclusion order:-\r\n<ul>\r\n <li>Within 13 weeks of the appointment of the Trustee\r\nOR</li>\r\n <li>within 30 day of the revoke of a qualifying agreement.</li>\r\n</ul>\r\n<div id=\"IVAadvice\">\r\n<h2>IVAs & Your Pension.</h2>\r\nThe asset that is your personal pension is not at risk on an IVA. However, you may be required to reduce or suspend payments into it for the duration of the IVA with the intention of using this money towards the IVA.\r\n\r\nIncome received from either a state or other pension schemes are considered as income when calculating how much you can afford to pay into an IVA.\r\n\r\nIf you have made excessive contributes into a personal pension plan, just before applying for personal involvency, which is what an IVA is, then this may be considered to be an attempt to hide money from your creditors. In the case of bankruptcy, this transaction could be reversed by court order and the money taken to paid towards your debts. Your creditors would require the same in order to approve the IVA propsal, after all an IVA is intended to produce more for the creditors than bankruptcy.\r\n\r\n</div>','Pensions','','inherit','closed','closed','','224-revision-v1','','','2017-08-24 12:57:44','2017-08-24 11:57:44','',224,'http://insolvency-service.co.uk/224-revision-v1',0,'revision','',0),(368,2,'2017-08-24 12:57:56','2017-08-24 11:57:56','\r\n <h1>Bankruptcy Petition</h1>\r\n <p class=\"summary\">How does someone become bankrupt? Under UK Bankruptcy law, there are 3 ways. </p>\r\n <p>The 3 routes to Bankruptcy.</p>\r\n <ul><li>Creditor application to the court (Creditor Petition).</li>\r\n <li>Debtor application to the court, ie applying for your own bankruptcy (Debtor Petition).</li>\r\n <li>IVA Supervisor application to the court in the case where the debtor has defaulted on the IVA and alternative arrangement can\'t be agreed. </li>\r\n </ul><h2>Debtor\'s Petition.</h2>\r\n <p>Petitioning one\'s own bankruptcy requires the debtor to complete a bankruptcy petition form (called form 6.27) and a statement of affairs form (called form 6.28). </p>\r\n <h3>Advice on Completing Statement of Affairs form. </h3>\r\n <p>The Statement of Affairs form requires detailed information, including valuation of assets which may not be know without seeking professional help. Information here is in addition the <a href=\"http://www.insolvency.gov.uk/pdfs/forms/debtorsguidance.pdf\" target=\"_blank\">Official Statement of Affairs Guidance Leaflet</a> as provided by the Insolvency Service. </p>\r\n <ul><li>Q1.14 does not required details of informal negotiation attempts with creditors.<br />\r\n Q1.15 requires details of impeding court action, including magistrate courts.</li>\r\n <li>Section is only relevant to those self employed at some point in the past 2 years.</li>\r\n <li>Section 3 is about value of assets. Approximate values only should be given, based on sale at auction, not what they we cost to replace from new.</li>\r\n <li>Section 5 asks for details of past and present bank accounts. Any money in these accounts should be withdrawn prior to the bankruptcy application. These accounts will be frozen and provisions need to be made to allow for payment essential living expenses.</li>\r\n <li>Section 6 is about employment and income. Include only regular income and that of other household members as this impacts how much is needed to maintain basic domestic needs. Include all state benefits entering the household, even though the claimant is not the person petitioning for bankruptcy. </li>\r\n <li>Section 7 includes a standard list of household and personal outgoings. Details of all outgoings should be detailed in addition to the standard list.</li>\r\n <li>Section 8 concerns property. Those applying for bankruptcy should be aware that in the case of owner-occupation, where the property is solely in spouses name, then the applicant may have a claim on part of the property, therefore this will be considered as an asset in the bankruptcy. Specific professional advice should be sort on this matter. </li>\r\n <li>Section 9 concerns property sold in the past 5 years. If it is considered that the asset was disposed of a less than its true value, the Trustee has the option to reverse the transaction. </li>\r\n <li>Section 10 covers details of dependant children, spouse/partner and other household members. This is to be taken into account by the Trustee when deciding value of income payment orders (payments from income the bankrupt is required to pay until discharge from bankruptcy.</li>\r\n <li>Section 11 covers reasons for bankruptcy. Details of when difficulties when first experience and the root cause the the problems are required. Extreme care must to taken in completing this section as instrumentation of the facts may leads to an Bankruptcy Restriction Order.</li>\r\n </ul><p>For residents of England and Wales, both forms are to be completed and presented to the most local court with bankruptcy jurisdiction. For those not living or domiciled in England or Wales, the forms are to be presented to the High Court in London.</p>\r\n <p>Court fees of £150 and a deposit of £325 must be paid by the debtor at this point. Court fees can be waived when the debtor in on benefits and total income does not exceed £15,050 per year. Also, the fee can be waived if undue financial hardship can be proven. Fee wavier is by application via form ex160.</p>\r\n <p>Depending on local practices a hearing may be immediate, later same day or by appointment at a later date.</p>\r\n <p>The Court may refer the case to an Insolvency Practioner in the case where the possibility of an IVA being be more appropriate course of action needs consideration.</p>\r\n <h2>Creditor\'s Petition. </h2>\r\n <p>For a bankruptcy petition to be presented to the court, 3 conditions must be satisfied.</p>\r\n <ol><li>The debtor must be domiciled or resident in England/Wales or be active in business in England or Wales, on the date of the petition, or at any time in the previous 3 years.</li>\r\n <li>The debt must be at least £750 to the creditor petitioning for bankruptcy. </li>\r\n <li>The debtor must have not realistic ability to repay the debt, or refusing to pay the debt. This is proven by the debt being served with a <a href=\"Statutory-Demand \">statutory demand</a>, which has not been set aside or complied to.</li>\r\n </ol><h3>The 4 types of Creditor Petition. </h3>\r\n \r\n <ol><li>Failure to comply with a statutory demand, debts payment currently due/overdue.<br /></li>\r\n <li>Failure to comply with a statutory demand, debts payment due in the future. <br /></li>\r\n <li>A court order execution returns unsatisfied. (eg bailiffs were not able to seize items of value)<br /></li>\r\n <li>Default in connection with an IVA.<br /></li>\r\n </ol><p>2 or more creditors may jointly petition.</p>\r\n <p>Secured creditors may petition for the part of the debt this is not secured, or risk forfeiting their security.</p>\r\n <p>The creditor\'s petition must state: </p>\r\n <ul><li>The amount owed, and if interest is owed how it has been calculated and the justification for this. </li>\r\n <li>That the debt is for a liquidated sum payable now or at a specified future date and that the debtors has no realistic chance of making payment on time.</li>\r\n <li>That the debt is unsecured.</li>\r\n </ul><p>If the petition is based upon a Statutory demand, then only that debt, plus interest accrued since the date of the demand was issued can be included.</p>\r\n <p>If the petition is based upon an unsatisfied execution of a previous court order, then full details must be given including the value of any sum rasied by the Court\'s sheriffs or Bailiffs. It is not enough the bailiffs visited the a property and were unable to gain access, they would have to had been refused access. </p>\r\n <h2>IVA Supervisors\' Petition.</h2>\r\n <p>If you are currently within an IVA, your supervisor may petition the for your bankruptcy on the grounds that:</p>\r\n <ul><li>You supplied false of misleading information on which the arrangement is based. </li>\r\n <li>You have failed to maintain the terms to the arrangement.</li>\r\n </ul><p>In this case, the IVA Supervisors can become the Trustee in the bankruptcy. </p>\r\n <h2>Issue of the Bankruptcy Petition</h2>\r\n <p>A Bankruptcy Petition must be served in person. A Bankruptcy order may still be prevented but you must give at least 7 days notice of your intention to oppose it. You may not use any reason for which a ruling has already been made against, unless there has been a change in circumstances.</p>\r\n <div id=\"BottomCalltoAction\">\r\n <h2>What To Do Next</h2>\r\n <p>If you are consider petitioning for you own bankruptcy, the <strong>you must</strong> also consider whether a IVA is a better alternative for your circumstances. This is especially the case if you own your home or have other high value assets to want to keep.</p>\r\n <p><strong>CALL US</strong> or submit the<strong> INSTANT ADVICE </strong> form for<strong> Immediate Free Advice.</strong></p>\r\n </div>\r\n','Petition','','inherit','closed','closed','','225-revision-v1','','','2017-08-24 12:57:56','2017-08-24 11:57:56','',225,'http://insolvency-service.co.uk/225-revision-v1',0,'revision','',0),(369,2,'2017-08-24 12:58:04','2017-08-24 11:58:04','\r\n \r\n <h1>Privacy Policy</h1>\r\n<p><br />\r\nUnder the Data Protection Act 1998, we have a legal duty to protect information we collect from you, and tell you how we use this information. </p>\r\n<p>We collect two kinds of information from visitors to this website </p>\r\n<ul><li><strong>Personal Information</strong> via telephone & submitted enquiries. </li>\r\n<li><strong>Site Usage Information</strong> from cookies and log files. </li>\r\n</ul><hr /><h2>How We Use Your <strong>Personal Information. </strong></h2>\r\n<p>In making an enquiry on this website, you are submitting personal information. We will use your information for marketing purposes now or in the future regarding the service you have requested from us. </p>\r\n<p><strong>Marketing Preferences </strong><br />\r\nYou have a legal right to instruct us not to contact you for marketing purposes.<br />\r\nTo do so, please write to:<br />\r\nCompliance<strong>,</strong> , Nelson House, Park Rd, Timperley, Cheshire, WA14 5BZ.</p>\r\n<p><strong>Access To Your Information<br /></strong>You have a legal right to see any information we hold about you. <br />\r\nTo see your records, please write to: <br />\r\nCompliance<strong>,</strong> , Nelson House, Park Rd, Timperley, Cheshire, WA14 5BZ.</p><hr /><h2>How we use <strong>Site Usage Information.</strong></h2>\r\n<p><strong>Cookies<br /></strong>A cookie is a small amount of data, which often includes an anonymous identifier that is sent to your browser from a website\'s computer and stored on your computer\'s hard drive. Each website can send its own cookie to your browser if your browser\'s preferences allow it, but (to protect your privacy) your browser only permits a web site to access the cookies it has already sent to you, not the cookies sent by other sites.</p>\r\n<p><strong>Our Use of Cookies</strong><br />\r\nThis website uses a cookie to track individual users around our site and to recognise them should they visit this site on more than once. This does not track nor record personal information that could be used to identify you. We use this information for analytical purposes only. Most browsers can be set not to accept cookies within their privacy settings.\r\n<script><![CDATA[\r\nif (document.all)\r\nvar version=/MSIE d+.d+/\r\nif (!document.all)\r\ndocument.write(\" The type of browser you are using is <b>\"+navigator.appName+\" \"+navigator.userAgent+\"\")\r\nelse\r\ndocument.write(\" The type of browser you are using is <b>\"+navigator.appName+\" \"+navigator.appVersion.match(version)+\"\")\r\n]]></script></p>\r\n<p><strong>Log Files<br /></strong>Like Cookies, log files allow us to record usage of this site. We use this information for analytical purposes as understanding patterns of user behavour helps us improve our website. Log files do not contain personal information and they are not used to identify individual patterns of use of the site.</p>\r\n<hr /><h1>Disclaimer</h1>\r\n<p>The material on this website is for general information only and should not be relied upon make important decisions. Call Freephone advice on 0800 043 2444 for free professional advice about your own particular situation. </p>\r\n<h1>External Links</h1>\r\n<p>This website contain links to other websites.<br />\r\nWe are not responsible for the content of external internet sites, nor their privacy policies.</p>\r\n<p><br /><strong>End of Privacy Statement </strong></p> \r\n ','Privacy','','inherit','closed','closed','','245-revision-v1','','','2017-08-24 12:58:04','2017-08-24 11:58:04','',245,'http://insolvency-service.co.uk/245-revision-v1',0,'revision','',0),(370,2,'2017-08-24 12:58:15','2017-08-24 11:58:15','\r\n <h1>Bankruptcy Advantages and Disadvantages</h1>\r\n <p class=\"summary\">Bankruptcy is a certain process, it will free your debts with creditors, but you must consider all the consequences very seriously. </p>\r\n <p>By advantages and disadvantages, we mean compared to coming to an agreement with your creditors whereby bankruptcy is avoided. </p>\r\n <h2>Bankruptcy Advantages </h2>\r\n <h3>The outcome is certain - </h3>\r\n <p>You will be free from all of the following debts:- </p>\r\n <ul><li>Unsecured Loans.</li>\r\n <li>Tax and Vat Bills. </li>\r\n <li>Credit Cards and store cards.</li>\r\n <li>Catalogue accounts. </li>\r\n <li>Any unpaid bills.</li>\r\n <li>Debt subect to County Court Judgements. </li>\r\n </ul><h3>Stress can be reduced.</h3>\r\n <p>We are not suggesting bankruptcy is without stress, however negotiating with many creditor at the same time can be worse. Many people feel a burden is lifted when the bankruptcy Trustee takes control of their finances. </p>\r\n <h3>You pay back less.</h3>\r\n <p>If you are made bankrupt, you may be required to make contributions from income for no more than 3 years. If an <strong>informal arrangement</strong> is agreed, (as in debt management) then the debts are repaid in full. In he case of a <strong>formal arrangement</strong>, (as in an IVA) you are normally required to make payments from income for 5 years and in applicable, remortgage your home to free up equity in the final year of the agreement.</p>\r\n <h3>Stops creditors chasing payment.</h3>\r\n <p>All creditors are bound by and must accept the Bankruptcy order, not just the one (or ones) petitioning for the bankruptcy. Whether they agree with it or not all unsecured debts are written off after bankruptcy discharge. <br /></p>\r\n <h2>Bankruptcy Disadvantages</h2>\r\n <h3> Loss of all assets of worth.</h3>\r\n <p>You will almost certainly lose all your assets of value that can be sold off. Some items are exempt, for example, equipment needed for work and basic domestic needs. You may have to accept exchange for items of lower value, eg trading in the new BMW for a more modest car.</p>\r\n <h3>Potential loss of your home. </h3>\r\n <p>If there is equity in your home, then your share of it is claimed as part of the bankruptcy. This may lead to the house being sold if you can\'t arrange from someone to buy out your share. Even if the house is in your spouses/partner name, the bankruptcy Trustee may be able to claim it. Typically 50% of equity in the family home is available to the Trustee Read more at <a href=\"Home-Property \">Your Home & Bankruptcy</a>.</p>\r\n <h3>Potential loss of future assets. </h3>\r\n <p>Any assets gained during bankruptcy has the potential to can be claimed by the Trustee. This included windfalls in general and anything bequested in a will. Something of little value at the time of the bankruptcy order, but rising in value may also be seized by the Trustee. </p>\r\n <h3>Does not help mortgage arrears.</h3>\r\n <p>If you have mortgage arrears, your home may still be repossessed by your mortgage lender. </p>\r\n <h3>Does not help rent arrears.</h3>\r\n <p>A landlord can still be able to enforce a court order for none payment of rents. Also, becoming bankrupt may violate the terms of a tenancy agreement.</p>\r\n <h3>Process can be expensive. </h3>\r\n <p>If you are subject to an bankruptcy order and seek to preserve an asset, for example a property, by settling the debts at this time, then you are likely to be charged the costs involved in the bankruptcy. </p>\r\n <h3>Closure or sale of business</h3>\r\n <p>If you run your own business and it is of value, it will be sold. Otherwise it will be shut down and all employees dismissed. This does not apply in the case of a self employed sole trader. </p>\r\n <h3>Investigation of personal finances. </h3>\r\n <p>You personal finances and your conduct in relation to them will be investigated by public officials. Becoming bankruptcy is not a crime, but if evidence of fraudulent for irregular activities are found, criminal proceedings may follow. </p>\r\n <h3>Effect on credit after bankruptcy </h3>\r\n <p> Your credit rating will continue to be adversely effected after bankruptcy discharge, disenfranchising you from financial products and services. You must declare you are a discharged bankrupt when applying for a mortgage at any time in the future. You may find it difficult to obtain a mortgage, especially at the most completive rates offered to other consumers. Discharged bankrupts may have problems opening the most basic of bank accounts. </p>\r\n <p>Utility providers may require pre-payment for services. </p>\r\n <h3>Restrictions whilst bankrupt </h3>\r\n <p>While serving bankruptcy, there are restrictions on your financial activities and you will be barred from practicing some professions, hence you may loose your job. You may not be the director of a limited company. For more details see <a href=\"Restrictions \">Bankruptcy Restrictions.</a> </p>\r\n <h3> Bankruptcy Restriction Orders (BRO)</h3>\r\n <p>If the Trustee considers you to be blameworthy, reckless or dishonest in your financial affairs and this contributed to your bankruptcy, a <a href=\"Restriction-Orders \">Bankruptcy Restriction Order</a> can be made against you. This prolongs restrictions on your activities. </p>\r\n <h3>Immigration Status </h3>\r\n <p>Your immigration status my be affected. If you think this my impact you, seek specialist advice.</p>\r\n <h3>Not all debts are written off </h3>\r\n <p>All debts to creditors are (normally) written off in bankruptcy and some not relating to borrowing, however some debt will survive bankruptcy see <a href=\"Debts-not-included \">Debts not included in bankruptcy</a> for details. </p>\r\n <div id=\"BottomCalltoAction\">\r\n <h2>What To Do Next</h2>\r\n <p>If you are considering Bankruptcy, but would like some information specific to your circumstances, then <strong>CALL US </strong>or submit the<strong> INSTANT ADVICE </strong> form. </p>\r\n <p>We will explain how bankruptcy would impact you and explore other options, such as an IVA or Debt Management, offering an impartial expert opinion as to your most appropriate course of action. </p>\r\n </div>\r\n ','ProsAndCons','','inherit','closed','closed','','226-revision-v1','','','2017-08-24 12:58:15','2017-08-24 11:58:15','',226,'http://insolvency-service.co.uk/226-revision-v1',0,'revision','',0),(371,2,'2017-08-24 12:58:31','2017-08-24 11:58:31','\r\n \r\n \r\n <h1>PVA\'s - Parnership Voluntary Arrangements</h1>\r\n <p class=\"summary\">A PVA is a formal insolvency procedure enabling a partnership to make a proposal to its creditors regarding payment of debts, or a scheme of recovery for the business interests involved.</p>\r\n \r\n \r\n <p>A PVA is similar to a Company Voluntary Arrangement in that it is a formal arrangement with the partnership\'s creditors for an agreed duration and under terms agreed with creditors.</p>\r\n<p>Should a partnership find itself in a position where it is insolvent or experiencing severe cash flow problems, but has a viable business which will generate profits by trading on, there are a number of options available to the partners and/or the creditors under the provisions of the Insolvency Act 1986 and the IPO, such as the formal winding-up of the partnership as an unregistered company (possibly in conjunction with the bankruptcy of one or more of the partners), a partnership administration order (which is similar in procedure and effect to a standard administration order) or a PVA (possibly in conjunction with interlocking individual voluntary arrangement\'s (\'IVA\') of one, some or all of the partners).</p>\r\n<p>In the case of a PVA, if approved by creditors, the partnership will be protected from the actions of its creditors to allow it to continue its business. The PVA may be approved by creditors on basis that it gives the partnership a certain time frame to realise an asset and/or to make contributions from future profits for a set period, with a view to achieving a recovery to creditors, which may not be available in the case of a winding-up of the partnership.</p>\r\n<p>In a PVA, (unlike the procedure for IVA\'s) there is no protective interim order so consideration should be given to first obtaining an administration order in respect of the partnership, to obtain protection from creditors prior to implementing a PVA. This would depend upon the level of creditor pressure at the time.</p>\r\n<h3>Implementing a PVA </h3>\r\n<p>The procedure for implementing a PVA is relatively straightforward, although the proposals for the arrangement can be detailed and, depending upon the partnership\'s affairs, may be complex to draft. The partners of the firm must propose the PVA and, dependent upon the partnership deed, it is likely that unanimous approval is required. A qualified insolvency practitioner is appointed and acts as nominee and will assist and advise the partners in completing proposals to creditors, which will include details of the partnership\'s and partners\' individual financial affairs. The nominee will report to the court on the proposals and a copy of the report, together with the proposals, will be sent to all creditors, giving at least fourteen days notice for a meeting for creditors to consider and vote on the proposals.</p>\r\n<p>At the meeting the proposals will be approved if 75% majority in value of the creditors present in person or by proxy vote for acceptance of the PVA. It should be noted that if more than 50% in value of non-connected creditors vote for rejection of the PVA, it will fail (connected creditors would include employees of the partnership, other partners and their relatives). Once the proposal has been approved, it becomes binding on all creditors who have notice of the meeting of creditors. Secured creditors will not, however, be bound unless they give their express consent. Preferential creditors will be bound if the proposal does not affect their priority or their relative dividend entitlement. The nominee, or another person appointed in his place, will then supervise the implementation of the arrangement.</p>\r\n<p>Once the arrangement is in place the partners will retain management of the partnership and the supervisor will monitor the arrangement and ensure that the terms of the proposals are adhered to. It will also be necessary for the supervisor to agree creditors\' claims and to distribute funds as and when appropriate.</p>\r\n<h3>PVA Pros and Cons</h3>\r\n<p>The main benefit of the PVA is that once it has been approved by creditors, and assuming the partnership complies with the terms of the arrangement, the partnership creditors are unable to pursue the partners\' individual estates for payment of any shortfall under the PVA. Other benefits of this procedure are that in the cases of larger partnerships, implementing interlocking IVA\'s for all of the partners may be difficult or impossible to administer.</p>\r\n<p>It is also likely that, particularly in the case of professional partnerships, in view of the fact that any value for goodwill will be tied up in the partners themselves and their ability to generate fees, trading on will probably enhance realisations. In addition, by avoiding bankruptcy proceedings from the partnership creditors, in the case of professional partnerships the partners may avoid expulsion from their recognised public bodies, which could result in an inability to continue working in their profession.</p>\r\n<p>The disadvantages ofan PVA; are that unlike an IVA there is no interim order so the partnership may be forced to consider an administration order to obtain protection from creditors, pending the implementation of the PVA. An administration order is costly to obtain and may only be appropriate in the case of larger partnerships. A further disadvantage is that the PVA will not protect the partners from the actions of their personal creditors.</p>\r\n','Pva','','inherit','closed','closed','','246-revision-v1','','','2017-08-24 12:58:31','2017-08-24 11:58:31','',246,'http://insolvency-service.co.uk/246-revision-v1',0,'revision','',0),(372,2,'2017-08-24 12:58:40','2017-08-24 11:58:40','\r\n <h1>Bankruptcy Restrictions Order </h1>\r\n <p class=\"summary\">If the Official Receiver considers you have been blameworthy and/or reckless in contributing to your bankruptcy, or are attempting to hide assets, an application to the court for a Bankruptcy Restriction order can be made. </p>\r\n <p> The most common reasons for a <strong>bankruptcy restriction order</strong> are:-</p>\r\n <ul><li> <strong>Incurring a debt with no reasonable expectation of being able to pay</strong>. <br />\r\n This includes increasing debt on credit cards. </li>\r\n <li><strong>Gambling or unreasonable extravagance which contributed to the bankruptcy.</strong></li>\r\n <li><strong>Entering into a <a href=\"#transactionundervalue\">transaction at an undervalue</a>.</strong><br />\r\n This means giving away items, or selling them at less than their true value. It is a myth that your can give away your possessions just before bankruptcy in an attempt to exclude them. Any transaction can be reversed upon court order.</li>\r\n <li><strong>Failing to account satisfactorily for a loss of property to meet debts.</strong><br />\r\n If you sell a property up to 2 years before the bankruptcy order, you must be able to account for the monies.</li>\r\n <li><strong>Entering into a preference. </strong><br />\r\n Making payments to some creditors in preference to others. You are not allowed to repay debts to friends / family members, while ignoring debts to other lenders. </li>\r\n <li><strong>Fraud or fraudulent breach of trust. <br /></strong>This usually refers debts resulting from stolen money from an employer etc and can also lead to a prison sentence. </li>\r\n </ul><p>Other reasons for a Bankruptcy Restriction Order are:-</p>\r\n <ul><li>Making excessive pension contributions.</li>\r\n <li>Failing to supply goods that have been either completely or partly paid for, which gave rise to a claim provable in the bankruptcy.</li>\r\n <li>Neglecting business affairs which either were the cause of the bankruptcy, or made the extent of the bankruptcy worse. </li>\r\n <li>Being been made bankrupt on a separate occasion in the past 6 years. </li>\r\n <li>General lack of co-operation with the Official Receiver.</li>\r\n </ul><h2>Transactions at under value<a name=\"transactionundervalue\" id=\"transactionundervalue\"></a></h2>\r\n <p>If before bankruptcy, you sell your interest in any asset to anyone for less than its true worth, the Trustee may apply to the court for an order to reverse the sale. This can be considered \'unfit behaviour\' and may result in a <a href=\"Restriction-Orders \">bankruptcy restriction order</a>.</p>\r\n <p>This can apply to any asset, even if it was innocently given as a Christmas present to a spouse. </p>\r\n <p>In short, you just can not give stuff away in the hope this hides it from your creditors and excludes it from the bankruptcy. </p>\r\n <p>The Trustee can apply to the court to have the transaction reverse if either of the following are true. </p>\r\n <ul><li>The transaction was performed up to 5 years before the bankruptcy, <strong>and</strong> you were insolvent at the time.</li>\r\n <li>The transaction was performed up to 2 years before bankruptcy. </li>\r\n </ul><h2>Bankruptcy Restriction Undertaking</h2>\r\n <p>A Bankruptcy Restriction Undertaking (BRU) is like a BRO, but is an agreement with the Trustee without involving the court. A BRU comes about when you accept the allegations made by the Trustee about your conduct. Due to the \'guilty plea\', the duration of the BRU is often shorter than if it were a court imposed BRO. </p>\r\n <h2>Effects of a BRO/BRU. </h2>\r\n <p>A Bankruptcy Restriction Order or Undertaking lasts for between 2 and 15 years.</p>\r\n <p>A BRO extends <a href=\"Restrictions \">normal bankruptcy restrictions</a> by the length of the order. Additionally, someone subject to a BRO may not:</p>\r\n <ul><li>Be an Member of Parliament, National assembly or take up their seat in the House of Lords</li>\r\n <li>Purchase their council home.</li>\r\n <li>Be or act as a School Governor.</li>\r\n </ul><p>Breech of the any bankruptcy restrictions is an offense and can lead to criminal proceedings.</p>\r\n <h2>Bankruptcy Restriction Order are Public Record </h2>\r\n <p>See <a href=\"http://www.insolvency-service.co.uk/ddirector/viewbrobrudetailslatest.asp\">latest <strong>bankruptcy restriction order</strong>s </a>- These are real cases displayed on the Government\'s Insolvency Service website. </p>\r\n \r\n <div id=\"BottomCalltoAction\">\r\n <h2>What To Do Next</h2>\r\n <p>If you are considering Bankruptcy, but are worried you may be subject to a<strong> Bankruptcy Restriction Order </strong>, then <strong>CALL US</strong> or submit the<strong> INSTANT ADVICE </strong> form for<strong> Immediate Free Advice.</strong></p>\r\n <p>It is possible an IVA could save your from wrath of your Creditors, the Official Receiver and from a full judicial enquiry into your finances. </p>\r\n </div>\r\n </div>','Restriction Orders','','inherit','closed','closed','','227-revision-v1','','','2017-08-24 12:58:40','2017-08-24 11:58:40','',227,'http://insolvency-service.co.uk/227-revision-v1',0,'revision','',0),(373,2,'2017-08-24 12:59:05','2017-08-24 11:59:05','\r\n<h1>Personal Restrictions in Bankruptcy</h1>\r\n<p class=\"summary\">An undischarged bankrupt will find they are under financial restrictions and depending upon profession, may loose their job.</p>\r\nAn undischarged bankrupt is subject to the following restrictions:-\r\n<ul>\r\n <li>You may not obtain credit of £500 or more in total, without disclosing your bankrupt status. This includes ordering goods on credit.</li>\r\n <li>If you are a sole trader, you may trade under a new trading name, but you must advise those you come into contact with in your business dealings of your bankruptcy status.</li>\r\n <li>Industry professional rules make it more or less impossible for a bankrupt to practice as a <strong>Solicitor</strong> or<strong> Accountant.</strong></li>\r\n <li>You may not practice as an <strong>Insolvency Practitioner </strong></li>\r\n <li>You are not permitted to join the <strong>Police</strong> or <strong>Armed Forces</strong> while Bankrupt.\r\nThere are implications for those in certain roles who become bankrupt whist already serving in Police/Armed Forces.</li>\r\n <li>You are not allowed to act as a <strong>Charity Trustee </strong> unless you are a director of that charity and have the court\'s permission to continue your role.</li>\r\n <li>You may not be, or act as the director of a limited company, or be directly or indirectly involved in the formation, running and management of a limited company.</li>\r\n</ul>\r\nBecoming bankrupt is not a criminal offense, however breaching any of the above restrictions is, and may lead to criminal proceedings.\r\n\r\nYour employer or any potential employee may be unwilling to employee someone in a role of responsibility involving finance or the handling of money.\r\n<h2>Bankruptcy Restriction Orders (BRO)</h2>\r\nIf the Trustee considers you to be blameworthy, reckless or dishonest in your financial affairs and this contributed to your bankruptcy, a <a href=\"Restriction-Orders \">Bankruptcy Restriction Order</a> can be made against you. This prolongs the above restrictions and adds further restrictions to your activities.\r\n','Restrictions','','inherit','closed','closed','','228-revision-v1','','','2017-08-24 12:59:05','2017-08-24 11:59:05','',228,'http://insolvency-service.co.uk/228-revision-v1',0,'revision','',0),(374,2,'2017-08-24 12:59:15','2017-08-24 11:59:15','\r\n<h1>SIVA (or Simple IVA)</h1>\r\n<p class=\"summary\">The SIVA (or Simple IVA) is soon to replace the IVA as the Government looks to update the Insolvency Act 1986 to cater for the rising number of non-business related insolvencies.</p>\r\nWhen IVA\'s were introduced as part of the Insolvency Act 1986, it was intended they would serve as an alternative to bankruptcy for those with business debts.\r\n\r\nRecord levels of consumer debt and the heavy marketing of IVA\'s has resulted in a most IVA\'s being undertaken by non-business people. Therefore the government has started looking into improvements to make the IVA process more suited to the majority of people affected by it.\r\n\r\nIt is expected the current IVA system will remain for business debtors, but a two-tier system will be introduced for non-business debtors.\r\n\r\nThis two-tier system will be known as the Simple IVA (SIVA) with the tiers being divided according to level of debt.\r\n<h2>SIVA 1</h2>\r\nFor debts under £25,000. Like the present IVA, success of an proposal depends on a 75% majority of creditors, by value of the debt, voting in favour.\r\n<h2>SIVA 2</h2>\r\nFor Debts between £25,000 and £75,000. Success of an proposal depends on a 51% majority by value of the debt, voting in favour.\r\n<h2>Introduction date for SIVAs</h2>\r\nIt is expected Simple IVA will be introduced some time in 2008, however exactly how they will operate will still not fully know.\r\n\r\n','SIVA','','inherit','closed','closed','','229-revision-v1','','','2017-08-24 12:59:15','2017-08-24 11:59:15','',229,'http://insolvency-service.co.uk/229-revision-v1',0,'revision','',0),(375,2,'2017-08-24 12:59:25','2017-08-24 11:59:25','\r\n<h1>Statutory Demands - Free Help and Advice</h1>\r\n<p class=\"summary\">A Statutory Demand is a formal document which can be issued to a debtor who has loan repayment arrears. This is the first step of the legal process a creditor may use to obtain a court order to get you to repay your debt.</p>\r\nIf you do not repay your debts on time, your creditor may use the power of the courts to get you to settle the debt or start making reasonable payments.\r\n\r\nA creditor has the option to try to bankrupt you, with a <strong>statutory demand </strong>being the first step of that process.\r\n\r\nA Statutory Demand requires you to settle the outstanding debt by either:-\r\n<ul>\r\n <li>Pay monthly/weekly payments</li>\r\n <li>A lump sum</li>\r\n <li>Secure it against a property or other assets.</li>\r\n</ul>\r\nWithin 18 days is receiving a Statuary Demand, you may apply to your local County Court to set it aside under the following circumstances:\r\n<ul>\r\n <li>The amount of money owed is in dispute</li>\r\n <li>The debt is not payable now.</li>\r\n <li>You are perpared to secure the debt to the creditors satisfaction under the creditors stated terms.</li>\r\n <li>The amount owed is less than £750.</li>\r\n <li>The statutory demand has been issued in error or does not comply with rules.</li>\r\n <li>You can and are about to repay the debt.</li>\r\n <li>You have a counterclaim of more than the money owed.</li>\r\n</ul>\r\nIgnoring or Failing to comply to a Statutory Demand entitles the creditor to present a petition for bankruptcy 21 days from the date of issue.\r\n\r\nSome companies use statutory demands as a scare tactic. They know that when someone is unable to repay a debt, they generally have more than one debt, and that whomever shouts loudest tends to get paid first. However, you should always take a <strong>Statutory Demand</strong> seriously.\r\n<div id=\"donext\">\r\n<h2>What To Do Next</h2>\r\nIf you have received a <b>Statutory Demand</b>, or have been threatened with one, then please <strong>call us for FREE advice</strong> or submit the form on the left of this page.\r\nYou will have more options to repay your creditors than stated in terms of the demand.\r\n\r\n</div>\r\n<h2>Types of Statutory Demand</h2>\r\nThere are 3 types:-\r\n<ul>\r\n <li>Demand for a presently due debt, but not currently subject to a court order.</li>\r\n <li>Demand for a presently due debt, which is subject to a court order.</li>\r\n <li>Demand for a debt which is due some time in the future.</li>\r\n</ul>\r\nA <strong>Statutory Demand can only made for an unsecured debt</strong>. If the creditor holds some security on the debt, than that value must be stated so the unsecured portion of the debt is known.\r\n\r\nFor debts due in the future, the creditor must give reasons as to why it is considered that you have no realistic chance of making payments when they fall due.\r\n\r\nThe <strong>demand is normally issued </strong>to you <strong>in person</strong> by the creditor. It may be posted provided there is proof that you are aware of the demand.\r\n\r\nIf you are not contactable, them the demand can be issue by advertisement, however the creditor requires a court order to allow this.\r\n\r\nFailure to comply to a statutory demand is seen as proof you are not able to repay the debt, and as such, the creditor is entitled to serve a bankruptcy petition to the court.\r\n<div id=\"BottomCalltoAction\">\r\n<h2>What To Do Next</h2>\r\nIf you have received a <strong>Statutory Demand</strong>, or have been threatened with one, then please <strong>Call Us for FREE advice</strong>.\r\n\r\nWe can offer a solution that will be affordable to you and acceptable to your creditors.\r\n','Statutory Demand','','inherit','closed','closed','','230-revision-v1','','','2017-08-24 12:59:25','2017-08-24 11:59:25','',230,'http://insolvency-service.co.uk/230-revision-v1',0,'revision','',0),(376,2,'2017-08-24 12:59:39','2017-08-24 11:59:39','<h1>Terms and Conditions</h1>\r\n<p class=\"summary\">Term and Conditions of usage of this website.</p>\r\nAlthough we have attempted to provide accurate information on this website, accepts no responsibility for the accuracy of the information. All information has an informative character and is made available \"as is\". We do not guarantee nor warrant the correctness, suitability, reliability and accuracy of the information.\r\n\r\nDue to the complexities of UK Insolvency Law, the outlines given here are not to be considered complete.\r\n\r\n<strong>Do not make any importance decisions based on the information contained herein alone.</strong>\r\n\r\nEach case requiring professional advice is made up of a set of individual circumstances. You should seek professional advice, specific to your own circumstances before making and important decisions.\r\n<h3>External Links</h3>\r\nThis site contains links to other we sites, and we are not responsible for the content or privacy practices of any linked sites.','Terms','','inherit','closed','closed','','247-revision-v1','','','2017-08-24 12:59:39','2017-08-24 11:59:39','',247,'http://insolvency-service.co.uk/247-revision-v1',0,'revision','',0),(377,2,'2017-08-24 12:59:49','2017-08-24 11:59:49','\r\n<h1>What is a Trust Deed ?</h1>\r\n<p class=\"summary\">A Trust Deed is similar to an IVA, but is used in Scotland. A Trust Deed is a formal agreement between you and your creditors. It passes your assets and property to a Trustee to be administered for the benefit of creditors and the payment of debts.</p>\r\nSequestration is the Scotish law version of Bankruptcy. This not the only solution for serious debt problems.\r\n<h3>Advantages of a Trust Deed over Sequestration</h3>\r\n<ul>\r\n <li>Debts are frozen at the date you sign the Trust Deed. Creditors should direct correspondence to the Trustee rather than you.</li>\r\n <li>You can still have a bank account. This is usually an instant access type account where you can use a cash card but no cheque book, cheque card or overdraft facility. We have a list of instant access bank accounts that may be suitable.</li>\r\n <li>Any monthly payment based on your earnings may be increased or decreased if your circumstances change.</li>\r\n</ul>\r\n<h3>Restrictions of a Trust Deed</h3>\r\n<ul>\r\n <li>You cannot take out credit over £250 during the Trust Deed period.</li>\r\n <li>Only the creditors who agree to the terms are bound by the Trust Deed. Those not agreeing can still carry out various forms of enforcement available to them, including petitioning for your bankruptcy.</li>\r\n <li>If you do not cooperate with the Trustee, they can try to make you bankrupt</li>\r\n <li>You cannot be a director of a limited company.</li>\r\n</ul>\r\nThe <strong>Trustee</strong> must be a qualified Insolvency Practitioner.\r\n<h3>Protected Trust Deed</h3>\r\nProviding it meets certain conditions, a Trust Deed may be recorded in the Register of Insolvencies as a Protected Trust Deed. This prevents the creditor from making you bankrupt so long you stick to the terms of the Trust Deed.\r\n<h3>Frequently Asked Questions.</h3>\r\n<strong>Are the creditors bound by the terms of the trust deed? </strong>\r\nNo, only those creditors who agree to its terms.\r\n\r\n<strong>Can those creditors who do not agree to the trust deed take action to recover their debts? </strong>\r\nYes, they can still carry out the various form of diligence available to them, including petitioning for your sequestration.\r\n\r\n<strong>Can I prevent diligence being taken against me by creditors who do not agree to the trust deed? </strong>\r\nYes, by having the trust deed registered as a protected trust deed.\r\n\r\n<strong>How does a trust deed become a protected trust deed? </strong>\r\nThe Trustee publishes a notice in the Edinburgh Gazette and writes to all the creditors enclosing a copy of the notice and of the trust deed and advising them that the trust deed is to become protected. Unless, within 5 weeks of the date of the notice, written objections are made by a majority in number of creditors, or from creditors representing not less than one third of the total debts, the trust deed automatically becomes protected.\r\n\r\n<strong>Who pays for the costs of setting up and administering the trust deed?</strong>\r\nAll costs must be met from the estate transferred by the trust deed or from your earnings.\r\n\r\n<strong>How much must I owe before a trust deed can be signed?</strong>\r\nThere is no minimum or maximum amount of debt.\r\n\r\n<strong>Are the terms of the trust deed prescribed by law?</strong>\r\nNo, the trust deed can contain any terms, which are likely to be acceptable to the creditors, and it is possible to enter into a trust deed, which does not transfer all of the assets, but such a trust deed cannot become a protected trust deed and may not be acceptable to all the creditors. However, if the trust deed is to become a protected trust deed, it must transfer everything the debtor owns except household goods and current income. There are standard forms of trust deed commonly in use, which meet the requirements for a protected trust deed.\r\n\r\n<strong>Once the trust deed has been signed, what further obligations do I have to the Trustee or to my creditors?</strong>\r\nYou must co-operate with the Trustee and comply with the terms of the trust deed. You may be required to make a contribution to the estate from your earnings. The Trustee will deal with your creditors.\r\n\r\n<strong>What can happen if I fail to co-operate with my Trustee?</strong>\r\nThe Trustee can petition for your sequestration. The Trustee can also petitionfor your sequestration if he considers that would be in the better interests of your creditors, for example, by obtaining the greater statutory powers available to a Trustee in sequestration.\r\n\r\n<strong>Is it possible for me to sign a trust deed even if I have no assets?</strong>\r\nYes, if you are prepared to pay a proportion of your earnings to the Trustee; there must however be some benefit to your creditors.\r\n\r\n<strong>What happens if a majority of my creditors object to my trust deed becoming protected?</strong>\r\nProvided you owe at least £1,500 and have not been sequestrated in the previous 5 years, the rejection by the creditors of a trust deed which was eligible to become a protected trust deed would be sufficient grounds for you to petition for your own sequestration, if you so wished. See also booklets AB1 and AB2. The fact that you have signed a trust deed would also entitle any creditor, or creditors, to whom you owe not less than £1,500, to petition for your sequestration in the 5 week period before the trust deed becomes protected. If however it is not superseded by your sequestration, a trust deed will continue to operate even if it does not become a protected trust deed.\r\n\r\n<strong>When will I be discharged from my debts?</strong>\r\nProvisions for your discharge will usually be included in the terms of the trust deed and is normally allowed 3 years after the date of granting. If the trust deed becomes protected, your discharge will be binding on all of your creditors. If the trust deed does not become protected, your discharge will only be binding on those creditors who agreed to it and they would still be able to pursue you for repayment.\r\n\r\n<strong>Does all my property have to be transferred to the Trustee?</strong>\r\nYes, but only if the trust deed is intended to become a protected trust deed; otherwise it is possible to withhold some of your assets. Such an arrangement may not however be acceptable you your creditors. Property which is transferred to the Trustee may be sold by him whenever it is in the interest of your creditors for him to do so.\r\n\r\n<strong>Can the Trustee sell my house?</strong>\r\nThe Trustee can sell all property which has been transferred to him by the trust deed; however, if your house is jointly owned or if it is a family home, the Trustee will need the consent of the co-owner of anyone else who has occupancy rights in the house.\r\n\r\n<strong>Can I hold other public offices?</strong>\r\nYes; however, the regulations governing some public bodies debar from holding office anyone who has signed a trust deed or entered into an arrangement with his creditors; you should check with the body concerned.\r\n\r\n<strong>Will the signing of a trust deed result in my being black-listed by credit reference agencies?</strong>\r\nYes, if the trust deed becomes protected because it will have been advertised in the Edinburgh Gazette. In other cases the agencies may become aware of your insolvency from other sources, e.g. from your creditors.\r\n\r\n<strong>When I am discharged, do I get my property back?</strong>\r\nNo. Once you have transferred assets to your Trustee, it becomes his duty in law to sell them for the benefit of your creditors. The trust deed continues to operate after your own discharge so long as there are assets for the Trustee to manage or realise.\r\n','Trust Deeds','','inherit','closed','closed','','248-revision-v1','','','2017-08-24 12:59:49','2017-08-24 11:59:49','',248,'http://insolvency-service.co.uk/248-revision-v1',0,'revision','',0),(378,2,'2017-08-24 13:00:03','2017-08-24 12:00:03','\r\n<h1>What is an IVA ?</h1>\r\n<p class=\"summary\">An IVA is a legal process for residents of England and Wales who have <strong>unaffordable debt repayments</strong>. It is a formal agreement between you and your creditors whereby you repay as much as you can afford, usually over 5 years, after which, any outstanding debt is written off.</p>\r\n\r\n<h2>What can an Abacus IVA do for me ?</h2>\r\n<ul>\r\n <li><strong>Reduce debt by up to 70%</strong>\r\nYou only repay what is affordable after taking into account your personal circumstances.</li>\r\n <li><strong>Guarantee debt freedom in 5 years. </strong>\r\nIn 60 months you will be debt free, the rest is written off.\r\nThis is dependant on approval of 75% (by value of the debt) of your creditors, and provided you maintain the payment schedule.</li>\r\n <li><strong>Stop interest and charges</strong>.\r\nYour debts will not increase and interest will be frozen.</li>\r\n <li><strong>Stop harassment.</strong>\r\nStops creditors and debt collectors from chasing you.</li>\r\n <li><strong>Stop court action.</strong>\r\nCan stop bankruptcy proceedings and bailiffs</li>\r\n <li><strong>Possibly help you, where other IVA companies could not.\r\n</strong>\r\nOur costs are low, so creditors get more of the money you pay into the IVA.\r\nTherefore were are able to assist many people other IVA companies can not. See <a href=\"IVA-Fees-Costs \">IVA costs</a> for further explanation.</li>\r\n</ul>\r\n<h2>Affordable payments</h2>\r\nWith the help of one of our advisors, you calculate how much you can realistically afford to pay back each month.\r\n\r\nIf <strong>*</strong>75% of your creditors accept your offer, then the IVA is officially in place. This is legally binding . At this point, the value of your debt is frozen and you will not be subject to further interest or charges.\r\n<p class=\"bookmark\"><strong>*</strong>\"<em>75% of your creditors</em>\", means 75% by value of the debt. If you owe £40,000, then creditors to whom you own at least £30,000 of this debt is 75% of your creditors by value. This does not mean if you owe to 8 creditors, then any 6 must agrees to your IVA proposal. It may be the case that only 4 out of 8 would account for 75% of the debt by value.</p>\r\nIf you are confident you can maintain the agreed monthly payment, an Abacus IVA could be the solution for you.\r\n<h2>IVA\'s do not cost you anything.</h2>\r\nThere are costs involved in setting up and IVA as the work of an insolvency professional is not free. However, fees are deducted from the money paid to your creditors, hence they bear the cost. Fees are not added to your payments. However fees charged by an IVA company are a factor in the success or failure of an IVA proposal. See <a href=\"IVA-Fees-Costs \">IVA Fees and Costs</a> for more details.\r\n<h2>I\'m considering an IVA - What Next ?</h2>\r\nCall us or submit the <strong>Instant Advice </strong>form. We will need to ask you about your financial circumstances. Only if we consider an IVA to be in your best interests would the reccommend a formal proposal. Once you have instructed use to act, we will-\r\n<ul>\r\n <li>Prepare all the paper work.</li>\r\n <li>Contact all your creditors.</li>\r\n <li>Request creditors suspend any court or legal action.</li>\r\n <li>Request creditors freeze interest and other charges at this time.</li>\r\n <li>Draft your offer based on the information you have provided. When you are happy with the proposal, sign and return it to us.</li>\r\n <li>Perform the administration process on your behalf.</li>\r\n</ul>\r\nYou do not have to attend the court or be involved in meetings or negotiations with creditors.\r\n\r\n<strong>For those that qualify, an IVA can be the best method to sort out serious debt problems, especially if you are a homeowner with equity to protect. </strong>\r\n<h2>More information on IVA\'s</h2>\r\n<ul>\r\n <li><a href=\"IVAProsCons \">IVA Pros and Cons </a>Advantages and Disadvantage compared to with Debt Management, Bankruptcy and Debt Consolidation Loans.</li>\r\n <li><a href=\"IVA-Fees-Costs \">IVA costs and Charges. </a>Read how varying Insolvency Practitioner / IVA company fees impacts the chances of success of an IVA case.</li>\r\n <li><a href=\"Bankruptcy-IVA-Comparison \">IVA or Bankruptcy ?</a>Differences between and IVA and Bankruptcy explained.</li>\r\n <li><a href=\"iva-faq \">IVA Frequently Asked Questions </a>A database of IVA questions & answers prepared by our team of Insolvency Practitioners.</li>\r\n</ul>\r\n','What Is An Iva','Bad, Credit, Loans, Bad Credit Unsecured Loans','inherit','closed','closed','','249-revision-v1','','','2017-08-24 13:00:03','2017-08-24 12:00:03','',249,'http://insolvency-service.co.uk/249-revision-v1',0,'revision','',0),(383,2,'2017-08-24 13:03:09','2017-08-24 12:03:09','','insolvency','','inherit','open','closed','','insolvency','','','2017-08-24 13:03:09','2017-08-24 12:03:09','',0,'http://insolvency-service.co.uk/wp-content/uploads/2017/08/insolvency.png',0,'attachment','image/png',0),(384,2,'2017-08-24 13:03:16','2017-08-24 12:03:16','http://insolvency-service.co.uk/wp-content/uploads/2017/08/cropped-insolvency.png','cropped-insolvency.png','','inherit','open','closed','','cropped-insolvency-png','','','2017-08-24 13:03:16','2017-08-24 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12:14:58','','1bank','','inherit','open','closed','','1bank','','','2017-08-24 13:14:58','2017-08-24 12:14:58','',213,'http://insolvency-service.co.uk/wp-content/uploads/2017/08/1bank.jpg',0,'attachment','image/jpeg',0),(403,2,'2017-08-24 13:14:59','2017-08-24 12:14:59','','1life','','inherit','open','closed','','1life','','','2017-08-24 13:14:59','2017-08-24 12:14:59','',213,'http://insolvency-service.co.uk/wp-content/uploads/2017/08/1life.jpg',0,'attachment','image/jpeg',0),(404,2,'2017-08-24 13:15:00','2017-08-24 12:15:00','','1loan','','inherit','open','closed','','1loan','','','2017-08-24 13:15:00','2017-08-24 12:15:00','',213,'http://insolvency-service.co.uk/wp-content/uploads/2017/08/1loan.jpg',0,'attachment','image/jpeg',0),(405,2,'2017-08-24 13:15:01','2017-08-24 12:15:01','','1pension','','inherit','open','closed','','1pension','','','2017-08-24 13:15:01','2017-08-24 12:15:01','',213,'http://insolvency-service.co.uk/wp-content/uploads/2017/08/1pension.jpg',0,'attachment','image/jpeg',0),(406,2,'2017-08-24 13:15:02','2017-08-24 12:15:02','','5474209451_0cec39d92f_b','','inherit','open','closed','','5474209451_0cec39d92f_b','','','2017-08-24 13:15:02','2017-08-24 12:15:02','',213,'http://insolvency-service.co.uk/wp-content/uploads/2017/08/5474209451_0cec39d92f_b.jpg',0,'attachment','image/jpeg',0),(407,2,'2017-08-24 13:15:03','2017-08-24 12:15:03','','5475013342_2e72c20348_b','','inherit','open','closed','','5475013342_2e72c20348_b','','','2017-08-24 13:15:03','2017-08-24 12:15:03','',213,'http://insolvency-service.co.uk/wp-content/uploads/2017/08/5475013342_2e72c20348_b.jpg',0,'attachment','image/jpeg',0),(408,2,'2017-08-24 13:15:04','2017-08-24 12:15:04','','5930024542_bc00b01356_b','','inherit','open','closed','','5930024542_bc00b01356_b','','','2017-08-24 13:15:04','2017-08-24 12:15:04','',213,'http://insolvency-service.co.uk/wp-content/uploads/2017/08/5930024542_bc00b01356_b.jpg',0,'attachment','image/jpeg',0),(409,2,'2017-08-24 13:15:05','2017-08-24 12:15:05','','law_hero_2-1950x1301','','inherit','open','closed','','law_hero_2-1950x1301','','','2017-08-24 13:15:05','2017-08-24 12:15:05','',213,'http://insolvency-service.co.uk/wp-content/uploads/2017/08/law_hero_2-1950x1301.jpg',0,'attachment','image/jpeg',0),(410,2,'2017-08-24 13:15:06','2017-08-24 12:15:06','','money house','','inherit','open','closed','','money-house','','','2017-08-24 13:15:06','2017-08-24 12:15:06','',213,'http://insolvency-service.co.uk/wp-content/uploads/2017/08/money-house.jpg',0,'attachment','image/jpeg',0),(411,2,'2017-08-24 13:15:07','2017-08-24 12:15:07','','pennies','','inherit','open','closed','','pennies','','','2017-08-24 13:15:07','2017-08-24 12:15:07','',213,'http://insolvency-service.co.uk/wp-content/uploads/2017/08/pennies.jpg',0,'attachment','image/jpeg',0),(412,2,'2017-08-24 13:15:08','2017-08-24 12:15:08','','pound-people','','inherit','open','closed','','pound-people','','','2017-08-24 13:15:08','2017-08-24 12:15:08','',213,'http://insolvency-service.co.uk/wp-content/uploads/2017/08/pound-people.jpg',0,'attachment','image/jpeg',0),(413,2,'2017-08-24 13:15:51','2017-08-24 12:15:51','[vc_row 0=\"\"][vc_column][vc_column_text 0=\"\"]\n<div id=\"container1\">\n<div id=\"pageName\"></div>\n<div id=\"contentwrap\">\n<div id=\"maincontent\">\n<div id=\"pageleft\">\n<h2>Bankruptcy & Bank Accounts</h2>\n<p class=\"summary\">When a bankruptcy order is made, the bankrupt must stop using their cheque book and bank cards, and immediately surrender them to the Official Receiver.</p>\nAccounts are normally frozen by the bank when they learn about the bankruptcy order.\n\nTherefore, you need to make arrangements need to be made with your existing bank to receive money and pay standing orders, direct debits etc. Opening a new bank account just before the bankruptcy order is made is not advised as this account will also be frozen.\n\nSome banks allow bankrupts to continue to use existing accounts. Even if the bank agrees to this, they will freeze the account when they become aware of the bankruptcy order.\n<h2><a href=\"http://insolvency-service.co.uk/bankruptcy-iva-comparison\"><img class=\"alignnone size-full wp-image-412\" src=\"http://insolvency-service.co.uk/wp-content/uploads/2017/08/pound-people.jpg\" alt=\"\" width=\"960\" height=\"560\" /></a>Bank Accounts in Credit at Bankruptcy</h2>\nMoney in an account at the date of the bankruptcy order is an <strong>asset</strong> in the bankruptcy. The Offical Receiver may allow the use of some of this money for essential living expenses.\n\nIn the case where the<strong> bank account is in joint names</strong>, the Offical Receiver decides how much of the money to release to each of the joint account holders.\n<h2>Bank Accounts Overdrawn at Bankruptcy</h2>\nAny overdraft or outstanding balance on credit cards is a <strong>debt</strong> in the bankruptcy. Therefore, payments must not be paid directly to the bank, unless it is a secured debt. This is because the bankrupt would be giving the bank preferential treatment over other creditors. The Offical Receiver decides which debts are paid and, in which proportions.\n\nFor bank account is in joint names, all parties are jointly responsible for the whole debt. This is the same for any joint credit agreement. Therefore the bank can ask the joint account holder facing bankruptcy to pay all the money owed.\n<h2>Bank Accounts During Bankruptcy.</h2>\nDuring the bankruptcy, the bank may permit usage of existing accounts after they have consulted the Official Receiver.\n\nA non discharged bankrupt can apply to open a new Bank/ Building society account, but they must inform the bank they are a serving bankrupt.\n\nBanks/Building Societies are not obliged to grant an account, but if so, it is likely to be a basic account without credit facilities. Banks are required by law to offer a basic bank account product. However, due to their nature, not much money can be made from such accounts. Therefore, these types of accounts are not pushed like the more profitable credit baring accounts and the consumer is often unaware of their existance.\n\nSee the document to the right for details of the basic bank accounts offered by the UK leading banks and building societies.\n\nServing Bankrupts do not need to tell the Offical Receiver or Trustee about any new account opened after the date of the bankruptcy order unless asked about it. Nor are they obliged to advise the Offical Receiver or Trustee about money in any new account not amounting to more than needed for reasonable living expenses.\n<div id=\"IVAadvice\">\n<h2><img class=\"alignnone size-full wp-image-406\" src=\"http://insolvency-service.co.uk/wp-content/uploads/2017/08/5474209451_0cec39d92f_b.jpg\" alt=\"\" width=\"1024\" height=\"768\" />Bank Accounts and an IVA</h2>\n<strong>Will I have to close my bank account ?</strong>\nIf you have debts with your bank, they can take money from where your wages are paid into, whether you can afford it or not. This is called the <b>Right To Offset.</b> Such debts can be in the form of an overdraft, credit card balence or personal loan.\n\nTherefore you must arrange new banking facilities before embarking on an IVA if your current bank holds some of the debt that is to be placed in the IVA.\n\nPeople entering into an IVA normal already have some adverse credit history and find it difficult to getting an application to open a conventional bank accepted. In that case you need to open a non-credit bearing basic account. As an IVA is a private matter, your new bank does not need to about your IVA. We can advise you further on this matter.\n\n</div>\n</div>\n</div>\n</div>\n</div>\n[/vc_column_text][/vc_column][/vc_row]','Bankruptcy & IVA Advice Specialists','','inherit','closed','closed','','213-revision-v1','','','2017-08-24 13:15:51','2017-08-24 12:15:51','',213,'http://insolvency-service.co.uk/213-revision-v1',0,'revision','',0),(415,2,'2017-08-24 13:55:08','2017-08-24 12:55:08','<h2><strong><a href=\"/\"><img class=\"alignnone size-full wp-image-409\" src=\"http://insolvency-service.co.uk/wp-content/uploads/2017/08/law_hero_2-1950x1301.jpg\" alt=\"\" width=\"1920\" height=\"1281\" /></a>Bankruptcy Advantages and Disadvantages</strong></h2>\nBankruptcy is a certain process, it will free your debts with creditors, but you must consider all the consequences very seriously.\n\nBy advantages and disadvantages, we mean compared to coming to an agreement with your creditors whereby bankruptcy is avoided.\n\n<strong><a href=\"http://www.debt-free-iva.co.uk/\" target=\"_blank\" rel=\"noopener\">Find out how you can become debt free!</a></strong>\n<h2><strong>Bankruptcy Advantages</strong></h2>\n<strong>The outcome is certain -</strong>\n\nYou will be free from all of the following debts:-\n<ul>\n <li>Unsecured Loans.</li>\n <li>Tax and Vat Bills.</li>\n <li>Credit Cards and store cards.</li>\n <li>Catalogue accounts.</li>\n <li>Any unpaid bills.</li>\n <li>Debt subject to County Court Judgements.</li>\n</ul>\n<h3><strong>Stress can be reduced.</strong></h3>\nWe are not suggesting bankruptcy is without stress, however negotiating with many creditor at the same time can be worse. Many people feel a burden is lifted when the bankruptcy Trustee takes control of their finances.\n<h3><strong>You pay back less.</strong></h3>\nIf you are made bankrupt, you may be required to make contributions from income for no more than 3 years. If an <strong>informal arrangement</strong> is agreed, (as in debt management) then the debts are repaid in full. In the case of a <strong>formal arrangement</strong>, (as in an IVA) you are normally required to make payments from income for 5 years and in applicable, remortgage your home to free up equity in the final year of the agreement.\n\nThere are many things you will have to pay money back for and one of them is for development loans for properties. Individuals are deciding to change their career and get into the world of property development; however they will have to take out finance from either a bank or private lender to fund their project. For 100% development finance, <a href=\"https://www.hunterfinance.co.uk/\" target=\"_blank\" rel=\"noopener\">see this site</a>.\n\n<iframe src=\"https://www.youtube.com/embed/svYPoxAcMSM\" width=\"100%\" height=\"450px\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe>\n<h3><strong>Stops creditors chasing payment.</strong></h3>\nAll creditors are bound by and must accept the Bankruptcy order, not just the one (or ones) petitioning for the bankruptcy. Whether they agree with it or not all unsecured debts are written off after bankruptcy discharge.\n<h2><strong>Bankruptcy Disadvantages</strong></h2>\n<h3><strong>Loss of all assets of worth.</strong></h3>\nYou will almost certainly lose all your assets of value that can be sold off. Some items are exempt, for example, equipment needed for work and basic domestic needs. You may have to accept exchange for items of lower value, e.g. trading in the new BMW for a more modest car. For advice on managing your debts, <a href=\"http://beston.co.uk/services.html\" target=\"_blank\" rel=\"noopener\">click here</a>.\n<h3><strong>Potential loss of your home.</strong></h3>\nIf there is equity in your home, then your share of it is claimed as part of the bankruptcy. This may lead to the house being sold if you can\'t arrange from someone to buy out your share. Even if the house is in your spouses/partner name, the bankruptcy Trustee may be able to claim it. Typically 50% of equity in the family home is available to the Trustee Read more at <a href=\"Home-Property%20\">Your Home & Bankruptcy</a>.\n<h3><strong>Potential loss of future assets.</strong></h3>\nAny assets gained during bankruptcy has the potential to can be claimed by the Trustee. This included windfalls in general and anything bequested in a will. Something of little value at the time of the bankruptcy order, but rising in value may also be seized by the Trustee.\n<h3><strong>Does not help mortgage arrears.</strong></h3>\nIf you have mortgage arrears, your home may still be repossessed by your mortgage lender.\n<h3><strong>Does not help rent arrears.</strong></h3>\nA landlord can still be able to enforce a court order for none payment of rents. Also, becoming bankrupt may violate the terms of a tenancy agreement.\n\nIf you are having difficulty securing your mortgage, get advice from <a href=\"http://www.1stdirectmortgages.co.uk/remortgages.html\" target=\"_blank\" rel=\"noopener\">1st Direct Mortgages. </a>\n<h3><strong>Process can be expensive.</strong></h3>\nIf you are subject to an bankruptcy order and seek to preserve an asset, for example a property, by settling the debts at this time, then you are likely to be charged the costs involved in the bankruptcy.\n<h3><strong>Closure or sale of business</strong></h3>\nIf you run your own business and it is of value, it will be sold. Otherwise it will be shut down and all employees dismissed. This does not apply in the case of a self employed sole trader.\n<h3><strong>Investigation of personal finances.</strong></h3>\nYou personal finances and your conduct in relation to them will be investigated by public officials. Becoming bankruptcy is not a crime, but if evidence of fraudulent for irregular activities are found, criminal proceedings may follow.\n<h3><strong>Effect on credit after bankruptcy</strong></h3>\nYour credit rating will continue to be adversely effected after bankruptcy discharge, disenfranchising you from financial products and services. You must declare you are a discharged bankrupt when applying for a mortgage at any time in the future. You may find it difficult to obtain a mortgage, especially at the most completive rates offered to other consumers. Discharged bankrupts may have problems opening the most basic of bank accounts.\n\nUtility providers may require pre-payment for services.\n<h3><strong>Restrictions whilst bankrupt</strong></h3>\nWhile serving bankruptcy, there are restrictions on your financial activities and you will be barred from practicing some professions, hence you may lose your job. You may not be the director of a limited company. For more details see <a href=\"Restrictions%20\">Bankruptcy Restrictions.</a>\n<h3><strong>Bankruptcy Restriction Orders (BRO)</strong></h3>\nIf the Trustee considers you to be blameworthy, reckless or dishonest in your financial affairs and this contributed to your bankruptcy, a <a href=\"Restriction-Orders%20\">Bankruptcy Restriction Order</a> can be made against you. This prolongs restrictions on your activities.\n<h3><strong>Not all debts are written off</strong></h3>\nAll debts to creditors are (normally) written off in bankruptcy and some not relating to borrowing, however some debt will survive bankruptcy see <a href=\"Debts-not-included%20\">Debts not included in bankruptcy</a> for details.','Pros And Cons: Bankruptcy','','inherit','closed','closed','','226-autosave-v1','','','2017-08-24 13:55:08','2017-08-24 12:55:08','',226,'http://insolvency-service.co.uk/226-autosave-v1',0,'revision','',0),(416,2,'2017-08-24 13:26:47','2017-08-24 12:26:47','<h2><strong>Bankruptcy Advantages and Disadvantages</strong></h2>\r\nBankruptcy is a certain process, it will free your debts with creditors, but you must consider all the consequences very seriously.\r\n\r\nBy advantages and disadvantages, we mean compared to coming to an agreement with your creditors whereby bankruptcy is avoided.\r\n\r\n<strong><a href=\"http://www.debt-free-iva.co.uk/\" target=\"_blank\" rel=\"noopener\">Find out how you can become debt free!</a></strong>\r\n<h2><strong>Bankruptcy Advantages</strong></h2>\r\n<strong>The outcome is certain -</strong>\r\n\r\nYou will be free from all of the following debts:-\r\n<ul>\r\n <li>Unsecured Loans.</li>\r\n <li>Tax and Vat Bills.</li>\r\n <li>Credit Cards and store cards.</li>\r\n <li>Catalogue accounts.</li>\r\n <li>Any unpaid bills.</li>\r\n <li>Debt subject to County Court Judgements.</li>\r\n</ul>\r\n<h3><strong>Stress can be reduced.</strong></h3>\r\nWe are not suggesting bankruptcy is without stress, however negotiating with many creditor at the same time can be worse. Many people feel a burden is lifted when the bankruptcy Trustee takes control of their finances.\r\n<h3><strong>You pay back less.</strong></h3>\r\nIf you are made bankrupt, you may be required to make contributions from income for no more than 3 years. If an <strong>informal arrangement</strong> is agreed, (as in debt management) then the debts are repaid in full. In the case of a <strong>formal arrangement</strong>, (as in an IVA) you are normally required to make payments from income for 5 years and in applicable, remortgage your home to free up equity in the final year of the agreement.\r\n\r\nThere are many things you will have to pay money back for and one of them is for development loans for properties. Individuals are deciding to change their career and get into the world of property development; however they will have to take out finance from either a bank or private lender to fund their project. For 100% development finance, <a href=\"https://www.hunterfinance.co.uk/\" target=\"_blank\" rel=\"noopener\">see this site</a>.\r\n<h3><strong>Stops creditors chasing payment.</strong></h3>\r\nAll creditors are bound by and must accept the Bankruptcy order, not just the one (or ones) petitioning for the bankruptcy. Whether they agree with it or not all unsecured debts are written off after bankruptcy discharge.\r\n<h2><strong>Bankruptcy Disadvantages</strong></h2>\r\n<h3><strong>Loss of all assets of worth.</strong></h3>\r\nYou will almost certainly lose all your assets of value that can be sold off. Some items are exempt, for example, equipment needed for work and basic domestic needs. You may have to accept exchange for items of lower value, e.g. trading in the new BMW for a more modest car. For advice on managing your debts, <a href=\"http://beston.co.uk/services.html\" target=\"_blank\" rel=\"noopener\">click here</a>.\r\n<h3><strong>Potential loss of your home.</strong></h3>\r\nIf there is equity in your home, then your share of it is claimed as part of the bankruptcy. This may lead to the house being sold if you can\'t arrange from someone to buy out your share. Even if the house is in your spouses/partner name, the bankruptcy Trustee may be able to claim it. Typically 50% of equity in the family home is available to the Trustee Read more at <a href=\"Home-Property%20\">Your Home & Bankruptcy</a>.\r\n<h3><strong>Potential loss of future assets.</strong></h3>\r\nAny assets gained during bankruptcy has the potential to can be claimed by the Trustee. This included windfalls in general and anything bequested in a will. Something of little value at the time of the bankruptcy order, but rising in value may also be seized by the Trustee.\r\n<h3><strong>Does not help mortgage arrears.</strong></h3>\r\nIf you have mortgage arrears, your home may still be repossessed by your mortgage lender.\r\n<h3><strong>Does not help rent arrears.</strong></h3>\r\nA landlord can still be able to enforce a court order for none payment of rents. Also, becoming bankrupt may violate the terms of a tenancy agreement.\r\n<h3><strong>Process can be expensive.</strong></h3>\r\nIf you are subject to an bankruptcy order and seek to preserve an asset, for example a property, by settling the debts at this time, then you are likely to be charged the costs involved in the bankruptcy.\r\n<h3><strong>Closure or sale of business</strong></h3>\r\nIf you run your own business and it is of value, it will be sold. Otherwise it will be shut down and all employees dismissed. This does not apply in the case of a self employed sole trader.\r\n<h3><strong>Investigation of personal finances.</strong></h3>\r\nYou personal finances and your conduct in relation to them will be investigated by public officials. Becoming bankruptcy is not a crime, but if evidence of fraudulent for irregular activities are found, criminal proceedings may follow.\r\n<h3><strong>Effect on credit after bankruptcy</strong></h3>\r\nYour credit rating will continue to be adversely effected after bankruptcy discharge, disenfranchising you from financial products and services. You must declare you are a discharged bankrupt when applying for a mortgage at any time in the future. You may find it difficult to obtain a mortgage, especially at the most completive rates offered to other consumers. Discharged bankrupts may have problems opening the most basic of bank accounts.\r\n\r\nUtility providers may require pre-payment for services.\r\n<h3><strong>Restrictions whilst bankrupt</strong></h3>\r\nWhile serving bankruptcy, there are restrictions on your financial activities and you will be barred from practicing some professions, hence you may lose your job. You may not be the director of a limited company. For more details see <a href=\"Restrictions%20\">Bankruptcy Restrictions.</a>\r\n<h3><strong>Bankruptcy Restriction Orders (BRO)</strong></h3>\r\nIf the Trustee considers you to be blameworthy, reckless or dishonest in your financial affairs and this contributed to your bankruptcy, a <a href=\"Restriction-Orders%20\">Bankruptcy Restriction Order</a> can be made against you. This prolongs restrictions on your activities.\r\n\r\n \r\n<h3><strong>Not all debts are written off</strong></h3>\r\nAll debts to creditors are (normally) written off in bankruptcy and some not relating to borrowing, however some debt will survive bankruptcy see <a href=\"Debts-not-included%20\">Debts not included in bankruptcy</a> for details.','Pros And Cons: Bankruptcy','','inherit','closed','closed','','226-revision-v1','','','2017-08-24 13:26:47','2017-08-24 12:26:47','',226,'http://insolvency-service.co.uk/226-revision-v1',0,'revision','',0),(417,2,'2017-08-24 13:28:31','2017-08-24 12:28:31','<h2><strong>Bankruptcy Advantages and Disadvantages</strong></h2>\r\nBankruptcy is a certain process, it will free your debts with creditors, but you must consider all the consequences very seriously.\r\n\r\nBy advantages and disadvantages, we mean compared to coming to an agreement with your creditors whereby bankruptcy is avoided.\r\n\r\n<strong><a href=\"http://www.debt-free-iva.co.uk/\" target=\"_blank\" rel=\"noopener\">Find out how you can become debt free!</a></strong>\r\n<h2><strong>Bankruptcy Advantages</strong></h2>\r\n<strong>The outcome is certain -</strong>\r\n\r\nYou will be free from all of the following debts:-\r\n<ul>\r\n <li>Unsecured Loans.</li>\r\n <li>Tax and Vat Bills.</li>\r\n <li>Credit Cards and store cards.</li>\r\n <li>Catalogue accounts.</li>\r\n <li>Any unpaid bills.</li>\r\n <li>Debt subject to County Court Judgements.</li>\r\n</ul>\r\n<h3><strong>Stress can be reduced.</strong></h3>\r\nWe are not suggesting bankruptcy is without stress, however negotiating with many creditor at the same time can be worse. Many people feel a burden is lifted when the bankruptcy Trustee takes control of their finances.\r\n<h3><strong>You pay back less.</strong></h3>\r\nIf you are made bankrupt, you may be required to make contributions from income for no more than 3 years. If an <strong>informal arrangement</strong> is agreed, (as in debt management) then the debts are repaid in full. In the case of a <strong>formal arrangement</strong>, (as in an IVA) you are normally required to make payments from income for 5 years and in applicable, remortgage your home to free up equity in the final year of the agreement.\r\n\r\nThere are many things you will have to pay money back for and one of them is for development loans for properties. Individuals are deciding to change their career and get into the world of property development; however they will have to take out finance from either a bank or private lender to fund their project. For 100% development finance, <a href=\"https://www.hunterfinance.co.uk/\" target=\"_blank\" rel=\"noopener\">see this site</a>.\r\n\r\n<iframe src=\"https://www.youtube.com/embed/svYPoxAcMSM\" width=\"100%\" height=\"450px\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe>\r\n<h3><strong>Stops creditors chasing payment.</strong></h3>\r\nAll creditors are bound by and must accept the Bankruptcy order, not just the one (or ones) petitioning for the bankruptcy. Whether they agree with it or not all unsecured debts are written off after bankruptcy discharge.\r\n<h2><strong>Bankruptcy Disadvantages</strong></h2>\r\n<h3><strong>Loss of all assets of worth.</strong></h3>\r\nYou will almost certainly lose all your assets of value that can be sold off. Some items are exempt, for example, equipment needed for work and basic domestic needs. You may have to accept exchange for items of lower value, e.g. trading in the new BMW for a more modest car. For advice on managing your debts, <a href=\"http://beston.co.uk/services.html\" target=\"_blank\" rel=\"noopener\">click here</a>.\r\n<h3><strong>Potential loss of your home.</strong></h3>\r\nIf there is equity in your home, then your share of it is claimed as part of the bankruptcy. This may lead to the house being sold if you can\'t arrange from someone to buy out your share. Even if the house is in your spouses/partner name, the bankruptcy Trustee may be able to claim it. Typically 50% of equity in the family home is available to the Trustee Read more at <a href=\"Home-Property%20\">Your Home & Bankruptcy</a>.\r\n<h3><strong>Potential loss of future assets.</strong></h3>\r\nAny assets gained during bankruptcy has the potential to can be claimed by the Trustee. This included windfalls in general and anything bequested in a will. Something of little value at the time of the bankruptcy order, but rising in value may also be seized by the Trustee.\r\n<h3><strong>Does not help mortgage arrears.</strong></h3>\r\nIf you have mortgage arrears, your home may still be repossessed by your mortgage lender.\r\n<h3><strong>Does not help rent arrears.</strong></h3>\r\nA landlord can still be able to enforce a court order for none payment of rents. Also, becoming bankrupt may violate the terms of a tenancy agreement.\r\n<h3><strong>Process can be expensive.</strong></h3>\r\nIf you are subject to an bankruptcy order and seek to preserve an asset, for example a property, by settling the debts at this time, then you are likely to be charged the costs involved in the bankruptcy.\r\n<h3><strong>Closure or sale of business</strong></h3>\r\nIf you run your own business and it is of value, it will be sold. Otherwise it will be shut down and all employees dismissed. This does not apply in the case of a self employed sole trader.\r\n<h3><strong>Investigation of personal finances.</strong></h3>\r\nYou personal finances and your conduct in relation to them will be investigated by public officials. Becoming bankruptcy is not a crime, but if evidence of fraudulent for irregular activities are found, criminal proceedings may follow.\r\n<h3><strong>Effect on credit after bankruptcy</strong></h3>\r\nYour credit rating will continue to be adversely effected after bankruptcy discharge, disenfranchising you from financial products and services. You must declare you are a discharged bankrupt when applying for a mortgage at any time in the future. You may find it difficult to obtain a mortgage, especially at the most completive rates offered to other consumers. Discharged bankrupts may have problems opening the most basic of bank accounts.\r\n\r\nUtility providers may require pre-payment for services.\r\n<h3><strong>Restrictions whilst bankrupt</strong></h3>\r\nWhile serving bankruptcy, there are restrictions on your financial activities and you will be barred from practicing some professions, hence you may lose your job. You may not be the director of a limited company. For more details see <a href=\"Restrictions%20\">Bankruptcy Restrictions.</a>\r\n<h3><strong>Bankruptcy Restriction Orders (BRO)</strong></h3>\r\nIf the Trustee considers you to be blameworthy, reckless or dishonest in your financial affairs and this contributed to your bankruptcy, a <a href=\"Restriction-Orders%20\">Bankruptcy Restriction Order</a> can be made against you. This prolongs restrictions on your activities.\r\n\r\n \r\n<h3><strong>Not all debts are written off</strong></h3>\r\nAll debts to creditors are (normally) written off in bankruptcy and some not relating to borrowing, however some debt will survive bankruptcy see <a href=\"Debts-not-included%20\">Debts not included in bankruptcy</a> for details.','Pros And Cons: Bankruptcy','','inherit','closed','closed','','226-revision-v1','','','2017-08-24 13:28:31','2017-08-24 12:28:31','',226,'http://insolvency-service.co.uk/226-revision-v1',0,'revision','',0),(418,2,'2017-08-24 13:29:04','2017-08-24 12:29:04','<h2><strong><a href=\"/\"><img class=\"alignnone size-full wp-image-409\" src=\"http://insolvency-service.co.uk/wp-content/uploads/2017/08/law_hero_2-1950x1301.jpg\" alt=\"\" width=\"1920\" height=\"1281\" /></a>Bankruptcy Advantages and Disadvantages</strong></h2>\r\nBankruptcy is a certain process, it will free your debts with creditors, but you must consider all the consequences very seriously.\r\n\r\nBy advantages and disadvantages, we mean compared to coming to an agreement with your creditors whereby bankruptcy is avoided.\r\n\r\n<strong><a href=\"http://www.debt-free-iva.co.uk/\" target=\"_blank\" rel=\"noopener\">Find out how you can become debt free!</a></strong>\r\n<h2><strong>Bankruptcy Advantages</strong></h2>\r\n<strong>The outcome is certain -</strong>\r\n\r\nYou will be free from all of the following debts:-\r\n<ul>\r\n <li>Unsecured Loans.</li>\r\n <li>Tax and Vat Bills.</li>\r\n <li>Credit Cards and store cards.</li>\r\n <li>Catalogue accounts.</li>\r\n <li>Any unpaid bills.</li>\r\n <li>Debt subject to County Court Judgements.</li>\r\n</ul>\r\n<h3><strong>Stress can be reduced.</strong></h3>\r\nWe are not suggesting bankruptcy is without stress, however negotiating with many creditor at the same time can be worse. Many people feel a burden is lifted when the bankruptcy Trustee takes control of their finances.\r\n<h3><strong>You pay back less.</strong></h3>\r\nIf you are made bankrupt, you may be required to make contributions from income for no more than 3 years. If an <strong>informal arrangement</strong> is agreed, (as in debt management) then the debts are repaid in full. In the case of a <strong>formal arrangement</strong>, (as in an IVA) you are normally required to make payments from income for 5 years and in applicable, remortgage your home to free up equity in the final year of the agreement.\r\n\r\nThere are many things you will have to pay money back for and one of them is for development loans for properties. Individuals are deciding to change their career and get into the world of property development; however they will have to take out finance from either a bank or private lender to fund their project. For 100% development finance, <a href=\"https://www.hunterfinance.co.uk/\" target=\"_blank\" rel=\"noopener\">see this site</a>.\r\n\r\n<iframe src=\"https://www.youtube.com/embed/svYPoxAcMSM\" width=\"100%\" height=\"450px\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe>\r\n<h3><strong>Stops creditors chasing payment.</strong></h3>\r\nAll creditors are bound by and must accept the Bankruptcy order, not just the one (or ones) petitioning for the bankruptcy. Whether they agree with it or not all unsecured debts are written off after bankruptcy discharge.\r\n<h2><strong>Bankruptcy Disadvantages</strong></h2>\r\n<h3><strong>Loss of all assets of worth.</strong></h3>\r\nYou will almost certainly lose all your assets of value that can be sold off. Some items are exempt, for example, equipment needed for work and basic domestic needs. You may have to accept exchange for items of lower value, e.g. trading in the new BMW for a more modest car. For advice on managing your debts, <a href=\"http://beston.co.uk/services.html\" target=\"_blank\" rel=\"noopener\">click here</a>.\r\n<h3><strong>Potential loss of your home.</strong></h3>\r\nIf there is equity in your home, then your share of it is claimed as part of the bankruptcy. This may lead to the house being sold if you can\'t arrange from someone to buy out your share. Even if the house is in your spouses/partner name, the bankruptcy Trustee may be able to claim it. Typically 50% of equity in the family home is available to the Trustee Read more at <a href=\"Home-Property%20\">Your Home & Bankruptcy</a>.\r\n<h3><strong>Potential loss of future assets.</strong></h3>\r\nAny assets gained during bankruptcy has the potential to can be claimed by the Trustee. This included windfalls in general and anything bequested in a will. Something of little value at the time of the bankruptcy order, but rising in value may also be seized by the Trustee.\r\n<h3><strong>Does not help mortgage arrears.</strong></h3>\r\nIf you have mortgage arrears, your home may still be repossessed by your mortgage lender.\r\n<h3><strong>Does not help rent arrears.</strong></h3>\r\nA landlord can still be able to enforce a court order for none payment of rents. Also, becoming bankrupt may violate the terms of a tenancy agreement.\r\n<h3><strong>Process can be expensive.</strong></h3>\r\nIf you are subject to an bankruptcy order and seek to preserve an asset, for example a property, by settling the debts at this time, then you are likely to be charged the costs involved in the bankruptcy.\r\n<h3><strong>Closure or sale of business</strong></h3>\r\nIf you run your own business and it is of value, it will be sold. Otherwise it will be shut down and all employees dismissed. This does not apply in the case of a self employed sole trader.\r\n<h3><strong>Investigation of personal finances.</strong></h3>\r\nYou personal finances and your conduct in relation to them will be investigated by public officials. Becoming bankruptcy is not a crime, but if evidence of fraudulent for irregular activities are found, criminal proceedings may follow.\r\n<h3><strong>Effect on credit after bankruptcy</strong></h3>\r\nYour credit rating will continue to be adversely effected after bankruptcy discharge, disenfranchising you from financial products and services. You must declare you are a discharged bankrupt when applying for a mortgage at any time in the future. You may find it difficult to obtain a mortgage, especially at the most completive rates offered to other consumers. Discharged bankrupts may have problems opening the most basic of bank accounts.\r\n\r\nUtility providers may require pre-payment for services.\r\n<h3><strong>Restrictions whilst bankrupt</strong></h3>\r\nWhile serving bankruptcy, there are restrictions on your financial activities and you will be barred from practicing some professions, hence you may lose your job. You may not be the director of a limited company. For more details see <a href=\"Restrictions%20\">Bankruptcy Restrictions.</a>\r\n<h3><strong>Bankruptcy Restriction Orders (BRO)</strong></h3>\r\nIf the Trustee considers you to be blameworthy, reckless or dishonest in your financial affairs and this contributed to your bankruptcy, a <a href=\"Restriction-Orders%20\">Bankruptcy Restriction Order</a> can be made against you. This prolongs restrictions on your activities.\r\n\r\n \r\n<h3><strong>Not all debts are written off</strong></h3>\r\nAll debts to creditors are (normally) written off in bankruptcy and some not relating to borrowing, however some debt will survive bankruptcy see <a href=\"Debts-not-included%20\">Debts not included in bankruptcy</a> for details.','Pros And Cons: Bankruptcy','','inherit','closed','closed','','226-revision-v1','','','2017-08-24 13:29:04','2017-08-24 12:29:04','',226,'http://insolvency-service.co.uk/226-revision-v1',0,'revision','',0),(419,2,'2017-08-24 14:42:43','2017-08-24 13:42:43','<h2><strong><a href=\"/\"><img class=\"alignnone size-full wp-image-409\" src=\"http://insolvency-service.co.uk/wp-content/uploads/2017/08/law_hero_2-1950x1301.jpg\" alt=\"\" width=\"1920\" height=\"1281\" /></a>Bankruptcy Advantages and Disadvantages</strong></h2>\r\nBankruptcy is a certain process, it will free your debts with creditors, but you must consider all the consequences very seriously.\r\n\r\nBy advantages and disadvantages, we mean compared to coming to an agreement with your creditors whereby bankruptcy is avoided.\r\n\r\n<strong><a href=\"http://www.debt-free-iva.co.uk/\" target=\"_blank\" rel=\"noopener\">Find out how you can become debt free!</a></strong>\r\n<h2><strong>Bankruptcy Advantages</strong></h2>\r\n<strong>The outcome is certain -</strong>\r\n\r\nYou will be free from all of the following debts:-\r\n<ul>\r\n <li>Unsecured Loans.</li>\r\n <li>Tax and Vat Bills.</li>\r\n <li>Credit Cards and store cards.</li>\r\n <li>Catalogue accounts.</li>\r\n <li>Any unpaid bills.</li>\r\n <li>Debt subject to County Court Judgements.</li>\r\n</ul>\r\n<h3><strong>Stress can be reduced.</strong></h3>\r\nWe are not suggesting bankruptcy is without stress, however negotiating with many creditor at the same time can be worse. Many people feel a burden is lifted when the bankruptcy Trustee takes control of their finances.\r\n<h3><strong>You pay back less.</strong></h3>\r\nIf you are made bankrupt, you may be required to make contributions from income for no more than 3 years. If an <strong>informal arrangement</strong> is agreed, (as in debt management) then the debts are repaid in full. In the case of a <strong>formal arrangement</strong>, (as in an IVA) you are normally required to make payments from income for 5 years and in applicable, remortgage your home to free up equity in the final year of the agreement.\r\n\r\nThere are many things you will have to pay money back for and one of them is for development loans for properties. Individuals are deciding to change their career and get into the world of property development; however they will have to take out finance from either a bank or private lender to fund their project. For 100% development finance, <a href=\"https://www.hunterfinance.co.uk/\" target=\"_blank\" rel=\"noopener\">see this site</a>.\r\n\r\n<iframe src=\"https://www.youtube.com/embed/svYPoxAcMSM\" width=\"100%\" height=\"450px\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe>\r\n<h3><strong>Stops creditors chasing payment.</strong></h3>\r\nAll creditors are bound by and must accept the Bankruptcy order, not just the one (or ones) petitioning for the bankruptcy. Whether they agree with it or not all unsecured debts are written off after bankruptcy discharge.\r\n<h2><strong>Bankruptcy Disadvantages</strong></h2>\r\n<h3><strong>Loss of all assets of worth.</strong></h3>\r\nYou will almost certainly lose all your assets of value that can be sold off. Some items are exempt, for example, equipment needed for work and basic domestic needs. You may have to accept exchange for items of lower value, e.g. trading in the new BMW for a more modest car. For advice on managing your debts, <a href=\"http://beston.co.uk/services.html\" target=\"_blank\" rel=\"noopener\">click here</a>.\r\n<h3><strong>Potential loss of your home.</strong></h3>\r\nIf there is equity in your home, then your share of it is claimed as part of the bankruptcy. This may lead to the house being sold if you can\'t arrange from someone to buy out your share. Even if the house is in your spouses/partner name, the bankruptcy Trustee may be able to claim it. Typically 50% of equity in the family home is available to the Trustee Read more at <a href=\"Home-Property%20\">Your Home & Bankruptcy</a>.\r\n<h3><strong>Potential loss of future assets.</strong></h3>\r\nAny assets gained during bankruptcy has the potential to can be claimed by the Trustee. This included windfalls in general and anything bequested in a will. Something of little value at the time of the bankruptcy order, but rising in value may also be seized by the Trustee.\r\n<h3><strong>Does not help mortgage arrears.</strong></h3>\r\nIf you have mortgage arrears, your home may still be repossessed by your mortgage lender.\r\n<h3><strong>Does not help rent arrears.</strong></h3>\r\nA landlord can still be able to enforce a court order for none payment of rents. Also, becoming bankrupt may violate the terms of a tenancy agreement.\r\n\r\nIf you are having difficulty securing your mortgage, get advice from <a href=\"http://www.1stdirectmortgages.co.uk/remortgages.html\" target=\"_blank\" rel=\"noopener\">1st Direct Mortgages. </a>\r\n<h3><strong>Process can be expensive.</strong></h3>\r\nIf you are subject to an bankruptcy order and seek to preserve an asset, for example a property, by settling the debts at this time, then you are likely to be charged the costs involved in the bankruptcy.\r\n<h3><strong>Closure or sale of business</strong></h3>\r\nIf you run your own business and it is of value, it will be sold. Otherwise it will be shut down and all employees dismissed. This does not apply in the case of a self employed sole trader.\r\n<h3><strong>Investigation of personal finances.</strong></h3>\r\nYou personal finances and your conduct in relation to them will be investigated by public officials. Becoming bankruptcy is not a crime, but if evidence of fraudulent for irregular activities are found, criminal proceedings may follow.\r\n<h3><strong>Effect on credit after bankruptcy</strong></h3>\r\nYour credit rating will continue to be adversely effected after bankruptcy discharge, disenfranchising you from financial products and services. You must declare you are a discharged bankrupt when applying for a mortgage at any time in the future. You may find it difficult to obtain a mortgage, especially at the most completive rates offered to other consumers. Discharged bankrupts may have problems opening the most basic of bank accounts.\r\n\r\nUtility providers may require pre-payment for services.\r\n<h3><strong>Restrictions whilst bankrupt</strong></h3>\r\nWhile serving bankruptcy, there are restrictions on your financial activities and you will be barred from practicing some professions, hence you may lose your job. You may not be the director of a limited company. For more details see <a href=\"Restrictions%20\">Bankruptcy Restrictions.</a>\r\n<h3><strong>Bankruptcy Restriction Orders (BRO)</strong></h3>\r\nIf the Trustee considers you to be blameworthy, reckless or dishonest in your financial affairs and this contributed to your bankruptcy, a <a href=\"Restriction-Orders%20\">Bankruptcy Restriction Order</a> can be made against you. This prolongs restrictions on your activities.\r\n<h3><strong>Not all debts are written off</strong></h3>\r\nAll debts to creditors are (normally) written off in bankruptcy and some not relating to borrowing, however some debt will survive bankruptcy see <a href=\"Debts-not-included%20\">Debts not included in bankruptcy</a> for details.','Pros And Cons: Bankruptcy','','inherit','closed','closed','','226-revision-v1','','','2017-08-24 14:42:43','2017-08-24 13:42:43','',226,'http://insolvency-service.co.uk/226-revision-v1',0,'revision','',0),(421,2,'2017-08-24 14:43:46','2017-08-24 13:43:46','','Pros And Cons','','publish','closed','closed','','pros-and-cons','','','2017-08-24 14:43:46','2017-08-24 13:43:46','',0,'http://insolvency-service.co.uk/pros-and-cons',6,'nav_menu_item','',0),(423,2,'2017-09-05 12:15:13','2017-09-05 11:15:13','<h2><strong><a href=\"/\"><img class=\"alignnone size-full wp-image-409\" src=\"http://insolvency-service.co.uk/wp-content/uploads/2017/08/law_hero_2-1950x1301.jpg\" alt=\"\" width=\"1920\" height=\"1281\" /></a>Bankruptcy Advantages and Disadvantages</strong></h2>\r\nBankruptcy is a certain process, it will free your debts with creditors, but you must consider all the consequences very seriously.\r\n\r\nBy advantages and disadvantages, we mean compared to coming to an agreement with your creditors whereby bankruptcy is avoided.\r\n\r\n<strong><a href=\"http://www.debt-free-iva.co.uk/\" target=\"_blank\" rel=\"noopener\">Find out how you can become debt free!</a></strong>\r\n<h2><strong>Bankruptcy Advantages</strong></h2>\r\n<strong>The outcome is certain -</strong>\r\n\r\nYou will be free from all of the following debts:-\r\n<ul>\r\n <li>Unsecured Loans.</li>\r\n <li>Tax and Vat Bills.</li>\r\n <li>Credit Cards and store cards.</li>\r\n <li>Catalogue accounts.</li>\r\n <li>Any unpaid bills.</li>\r\n <li>Debt subject to County Court Judgements.</li>\r\n</ul>\r\n<h3><strong>Stress can be reduced.</strong></h3>\r\nWe are not suggesting bankruptcy is without stress, however negotiating with many creditor at the same time can be worse. Many people feel a burden is lifted when the bankruptcy Trustee takes control of their finances.\r\n<h3><strong>You pay back less.</strong></h3>\r\nIf you are made bankrupt, you may be required to make contributions from income for no more than 3 years. If an <strong>informal arrangement</strong> is agreed, (as in debt management) then the debts are repaid in full. In the case of a <strong>formal arrangement</strong>, (as in an IVA) you are normally required to make payments from income for 5 years and in applicable, remortgage your home to free up equity in the final year of the agreement.\r\n\r\nThere are many things you will have to pay money back for and one of them is for development loans for properties. Individuals are deciding to change their career and get into the world of property development; however they will have to take out finance from either a bank or private lender to fund their project. For property development finance, <a href=\"https://www.hunterfinance.co.uk/\" target=\"_blank\" rel=\"noopener\">see this site</a>.\r\n\r\n<iframe src=\"https://www.youtube.com/embed/svYPoxAcMSM\" width=\"100%\" height=\"450px\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe>\r\n<h3><strong>Stops creditors chasing payment.</strong></h3>\r\nAll creditors are bound by and must accept the Bankruptcy order, not just the one (or ones) petitioning for the bankruptcy. Whether they agree with it or not all unsecured debts are written off after bankruptcy discharge.\r\n<h2><strong>Bankruptcy Disadvantages</strong></h2>\r\n<h3><strong>Loss of all assets of worth.</strong></h3>\r\nYou will almost certainly lose all your assets of value that can be sold off. Some items are exempt, for example, equipment needed for work and basic domestic needs. You may have to accept exchange for items of lower value, e.g. trading in the new BMW for a more modest car. For advice on managing your debts, <a href=\"http://beston.co.uk/services.html\" target=\"_blank\" rel=\"noopener\">click here</a>.\r\n<h3><strong>Potential loss of your home.</strong></h3>\r\nIf there is equity in your home, then your share of it is claimed as part of the bankruptcy. This may lead to the house being sold if you can\'t arrange from someone to buy out your share. Even if the house is in your spouses/partner name, the bankruptcy Trustee may be able to claim it. Typically 50% of equity in the family home is available to the Trustee Read more at <a href=\"Home-Property%20\">Your Home & Bankruptcy</a>.\r\n<h3><strong>Potential loss of future assets.</strong></h3>\r\nAny assets gained during bankruptcy has the potential to can be claimed by the Trustee. This included windfalls in general and anything bequested in a will. Something of little value at the time of the bankruptcy order, but rising in value may also be seized by the Trustee.\r\n<h3><strong>Does not help mortgage arrears.</strong></h3>\r\nIf you have mortgage arrears, your home may still be repossessed by your mortgage lender.\r\n<h3><strong>Does not help rent arrears.</strong></h3>\r\nA landlord can still be able to enforce a court order for none payment of rents. Also, becoming bankrupt may violate the terms of a tenancy agreement.\r\n\r\nIf you are having difficulty securing your mortgage, get advice from <a href=\"http://www.1stdirectmortgages.co.uk/remortgages.html\" target=\"_blank\" rel=\"noopener\">1st Direct Mortgages. </a>\r\n<h3><strong>Process can be expensive.</strong></h3>\r\nIf you are subject to an bankruptcy order and seek to preserve an asset, for example a property, by settling the debts at this time, then you are likely to be charged the costs involved in the bankruptcy.\r\n<h3><strong>Closure or sale of business</strong></h3>\r\nIf you run your own business and it is of value, it will be sold. Otherwise it will be shut down and all employees dismissed. This does not apply in the case of a self employed sole trader.\r\n<h3><strong>Investigation of personal finances.</strong></h3>\r\nYou personal finances and your conduct in relation to them will be investigated by public officials. Becoming bankruptcy is not a crime, but if evidence of fraudulent for irregular activities are found, criminal proceedings may follow.\r\n<h3><strong>Effect on credit after bankruptcy</strong></h3>\r\nYour credit rating will continue to be adversely effected after bankruptcy discharge, disenfranchising you from financial products and services. You must declare you are a discharged bankrupt when applying for a mortgage at any time in the future. You may find it difficult to obtain a mortgage, especially at the most completive rates offered to other consumers. Discharged bankrupts may have problems opening the most basic of bank accounts.\r\n\r\nUtility providers may require pre-payment for services.\r\n<h3><strong>Restrictions whilst bankrupt</strong></h3>\r\nWhile serving bankruptcy, there are restrictions on your financial activities and you will be barred from practicing some professions, hence you may lose your job. You may not be the director of a limited company. For more details see <a href=\"Restrictions%20\">Bankruptcy Restrictions.</a>\r\n<h3><strong>Bankruptcy Restriction Orders (BRO)</strong></h3>\r\nIf the Trustee considers you to be blameworthy, reckless or dishonest in your financial affairs and this contributed to your bankruptcy, a <a href=\"Restriction-Orders%20\">Bankruptcy Restriction Order</a> can be made against you. This prolongs restrictions on your activities.\r\n<h3><strong>Not all debts are written off</strong></h3>\r\nAll debts to creditors are (normally) written off in bankruptcy and some not relating to borrowing, however some debt will survive bankruptcy see <a href=\"Debts-not-included%20\">Debts not included in bankruptcy</a> for details.','Pros And Cons: Bankruptcy','','inherit','closed','closed','','226-revision-v1','','','2017-09-05 12:15:13','2017-09-05 11:15:13','',226,'http://insolvency-service.co.uk/226-revision-v1',0,'revision','',0),(425,2,'2018-03-07 12:30:31','2018-03-07 12:30:31','<h1>CVA\'s - Company Voluntary Arrangements</h1>\n<p class=\"summary\">A CVA is similar to an IVA, but for companies rather than individuals.\nIt is a legal procedure that enables a company to make a binding agreement with its creditors and shareholders, describing how the company\'s debts and credit liabilities are to be managed, while allowing the company to trade.</p>\nFrom the creditors\' point of view, the CVA serves to achieve one of the following:-\n<ul>\n <li>An immediate full and final settlement of somewhere less than 100p in the pound to settle outstanding debts.</li>\n <li>An agreed delay of payment until an certain event happens.</li>\n <li>An agreement of payments by installments.</li>\n</ul>\nA CVA aims to serve the best interests of the creditors and shareholders while allowing the company to continue trading, keeping the work force in employment.\n\nA CVA can only be proposed by a company if it is insolvent. The CVA requires the approval of 75% (by value of the debt) of the voting creditors and approval of a majority of the shareholders.\n\nIf approved, the CVA binds all creditors irrespective of how (or whether) they voted and allows the directors to retain control of their company.\n<h2>Components of a Successful CVA Proposal</h2>\nThe proposal must be reasonable and achievable. It must explain why a CVA is in the best interests of all concerned parties and why the creditors should accept the it. The proposal details all the company\'s assets and liabilities and how it is to deal with secured and preferential creditors and those with a direct connection to the company.\n\nThere must be a business plan to return the company to profitability, in other words, directors must accept there is a need for change. The proposal must be viable and be likely to be considered favorably by the creditors. Working capital in addition to a review of credit repayments need to be arranged.\n\nCreditors will vote in favour of a CVA if the alternative is liquidation with little or no return to creditors. See: <a href=\"https://www.realbusinessrescue.co.uk/company-voluntary-arrangement-cva/advantages\" target=\"_blank\" rel=\"noopener\">Advantages of a CVA</a>\n<h2><b> Basic Steps of the Procedure:-</b></h2>\n<ul>\n <li>The CVA can be proposed by directors of the company or a Liquidator/Administrator.</li>\n <li>The procedure is administered by a Licensed Insolvency Practitioner.</li>\n <li>A study of the company and its position in the marketplace in made.</li>\n <li>Directors & secured creditors debate the proposal.</li>\n <li>After the proposals are complete, the Nominee needs to prepare a report on the proposals which includes comment on the due diligence they have undertaken to ensure that the CVA proposals are accurate, reasonable and achievable</li>\n</ul>\n<h2><strong>After the Filing a CVA Proposal:-</strong></h2>\n<ul>\n <li>Once filed at court, the proposal is sent to the creditors.</li>\n <li>A meeting is chaired by the advisor or an IP with all creditors (or representative of creditors) at which the creditors vote on the proposal</li>\n <li>Creditors may request modification of the proposal, which will need to be approved by vote.</li>\n <li>A shareholders meeting is held on the same day, but after the creditor\'s meeting. This requires a 50% vote in favour of the CVA Proposal.</li>\n <li>Once a decision is made, the meetings close and a report is issued by the chairman within 4 days.</li>\n <li>Once approved, all creditors are legally bound by the proposal.</li>\n <li>After approval, the company makes agreed contributions to the trust account.</li>\n</ul>\n<h2>CVA - Frequently Asked Questions.</h2>\n<strong>What should I do before committing to a CVA?\n</strong>Always consult with your accountant before signing anything. Your accountant will be able to offer you the best advice, both for you and the company. Your accountant can advise you on many things when it comes to your company\'s finances, including payroll, tax appeal and commercial mortgages.\n\nFor a highly specialised accountant in London, we recommend Graham Chartered Accountants - visit their website at <a href=\"https://www.dmostmoney.com/health-care-sector/\" target=\"_blank\" rel=\"noopener\">www.dmostmoney.com</a>.\n\nAs well as this, they offer payroll services for umbrella companies in the healthcare sector.\n\n<strong>How much does the company repay its creditors?\n</strong>Having reviewed the financial position and the company\'s prospects we would sit down with the directors and calculate what the company can afford to pay into a segregated fund, typically but not always, on a monthly basis.\n\n<strong>Will the bank, VAT and the Inland Revenue support the CVA?\n</strong>In essence a CVA allows a company with historical cash flow problems to repay its liabilities, either in part or in full (including the Inland Revenue and VAT) over a period of time. Once the company\'s liabilities has been restructured any monies generated by the company e.g. book debts can be used as working capital rather than paying its old debts.\n\nGenerally, they will not be problems with a CVA proposal that adheres to common sense. As the bank is normally secured (as are any finance companies), it remains outside the CVA and with all pre CVA creditors showing in the segregated fund, the pressure is taken off, because you have fresh and unallocated working capital coming in to the company.\n\n<strong>Will suppliers still supply and support the company?\n</strong>It is our experience that nearly most suppliers will continue to support a company in a CVA. <a href=\"http://kentishflats.uk/suppliers.html\" target=\"_blank\" rel=\"noopener\">Find out more</a>.\n\n<strong>Does anyone interfere with the running of the company during a CVA?\n</strong>As long as the company adheres to the terms of the CVA, the company is run under the control of the directors without any outside interference. There are certain reporting requirements to a CVA Supervisor, but there are normally simple and brief.','What is a CVA?','','inherit','closed','closed','','233-autosave-v1','','','2018-03-07 12:30:31','2018-03-07 12:30:31','',233,'http://insolvency-service.co.uk/233-autosave-v1',0,'revision','',0),(426,2,'2018-03-07 12:27:15','2018-03-07 12:27:15','<h1>CVA\'s - Company Voluntary Arrangements</h1>\r\n<p class=\"summary\">A CVA is similar to an IVA, but for companies rather than individuals.\r\nIt is a legal procedure that enables a company to make a binding agreement with its creditors and shareholders, describing how the company\'s debts and credit liabilities are to be managed, while allowing the company to trade.</p>\r\nFrom the creditors\' point of view, the CVA serves to achieve one of the following:-\r\n<ul>\r\n <li>An immediate full and final settlement of somewhere less than 100p in the pound to settle outstanding debts.</li>\r\n <li>An agreed delay of payment until an certain event happens.</li>\r\n <li>An agreement of payments by installments.</li>\r\n</ul>\r\nA CVA aims to serve the best interests of the creditors and shareholders while allowing the company to continue trading, keeping the work force in employment.\r\n\r\nA CVA can only be proposed by a company if it is insolvent. The CVA requires the approval of 75% (by value of the debt) of the voting creditors and approval of a majority of the shareholders.\r\n\r\nIf approved, the CVA binds all creditors irrespective of how (or whether) they voted and allows the directors to retain control of their company.\r\n<h2>Components of a Successful CVA Proposal</h2>\r\nThe proposal must be reasonable and achievable. It must explain why a CVA is in the best interests of all concerned parties and why the creditors should accept the it. The proposal details all the company\'s assets and liabilities and how it is to deal with secured and preferential creditors and those with a direct connection to the company.\r\n\r\nThere must be a business plan to return the company to profitability, in other words, directors must accept there is a need for change. The proposal must be viable and be likely to be considered favorably by the creditors. Working capital in addition to a review of credit repayments need to be arranged.\r\n\r\nCreditors will vote in favour of a CVA if the alternative is liquidation with little or no return to creditors.\r\n<h2><b> Basic Steps of the Procedure:-</b></h2>\r\n<ul>\r\n <li>The CVA can be proposed by directors of the company or a Liquidator/Administrator.</li>\r\n <li>The procedure is administered by a Licensed Insolvency Practitioner.</li>\r\n <li>A study of the company and its position in the marketplace in made.</li>\r\n <li>Directors & secured creditors debate the proposal.</li>\r\n <li>After the proposals are complete, the Nominee needs to prepare a report on the proposals which includes comment on the due diligence they have undertaken to ensure that the CVA proposals are accurate, reasonable and achievable</li>\r\n</ul>\r\n<h2><strong>After the Filing a CVA Proposal:-</strong></h2>\r\n<ul>\r\n <li>Once filed at court, the proposal is sent to the creditors.</li>\r\n <li>A meeting is chaired by the advisor or an IP with all creditors (or representative of creditors) at which the creditors vote on the proposal</li>\r\n <li>Creditors may request modification of the proposal, which will need to be approved by vote.</li>\r\n <li>A shareholders meeting is held on the same day, but after the creditor\'s meeting. This requires a 50% vote in favour of the CVA Proposal.</li>\r\n <li>Once a decision is made, the meetings close and a report is issued by the chairman within 4 days.</li>\r\n <li>Once approved, all creditors are legally bound by the proposal.</li>\r\n <li>After approval, the company makes agreed contributions to the trust account.</li>\r\n</ul>\r\n<h2>CVA - Frequently Asked Questions.</h2>\r\n<strong>What should I do before committing to a CVA?\r\n</strong>Always consult with your accountant before signing anything. Your accountant will be able to offer you the best advice, both for you and the company. Your accountant can advise you on many things when it comes to your company\'s finances, including payroll, tax appeal and commercial mortgages.\r\n\r\nFor a highly specialised accountant in London, we recommend Graham Chartered Accountants - visit their website at <a href=\"https://www.dmostmoney.com/health-care-sector/\" target=\"_blank\" rel=\"noopener\">www.dmostmoney.com</a>.\r\n\r\nAs well as this, they offer payroll services for umbrella companies in the healthcare sector.\r\n\r\n<strong>How much does the company repay its creditors?\r\n</strong>Having reviewed the financial position and the company\'s prospects we would sit down with the directors and calculate what the company can afford to pay into a segregated fund, typically but not always, on a monthly basis.\r\n\r\n<strong>Will the bank, VAT and the Inland Revenue support the CVA?\r\n</strong>In essence a CVA allows a company with historical cash flow problems to repay its liabilities, either in part or in full (including the Inland Revenue and VAT) over a period of time. Once the company\'s liabilities has been restructured any monies generated by the company e.g. book debts can be used as working capital rather than paying its old debts.\r\n\r\nGenerally, they will not be problems with a CVA proposal that adheres to common sense. As the bank is normally secured (as are any finance companies), it remains outside the CVA and with all pre CVA creditors showing in the segregated fund, the pressure is taken off, because you have fresh and unallocated working capital coming in to the company.\r\n\r\n<strong>Will suppliers still supply and support the company?\r\n</strong>It is our experience that nearly most suppliers will continue to support a company in a CVA.\r\n\r\n<strong>Does anyone interfere with the running of the company during a CVA?\r\n</strong>As long as the company adheres to the terms of the CVA, the company is run under the control of the directors without any outside interference. There are certain reporting requirements to a CVA Supervisor, but there are normally simple and brief.','Cva','Bad, Credit, Loans, Bad Credit Unsecured Loans','inherit','closed','closed','','233-revision-v1','','','2018-03-07 12:27:15','2018-03-07 12:27:15','',233,'http://insolvency-service.co.uk/233-revision-v1',0,'revision','',0),(427,2,'2018-03-07 12:27:44','2018-03-07 12:27:44','<h1>CVA\'s - Company Voluntary Arrangements</h1>\r\n<p class=\"summary\">A CVA is similar to an IVA, but for companies rather than individuals.\r\nIt is a legal procedure that enables a company to make a binding agreement with its creditors and shareholders, describing how the company\'s debts and credit liabilities are to be managed, while allowing the company to trade.</p>\r\nFrom the creditors\' point of view, the CVA serves to achieve one of the following:-\r\n<ul>\r\n <li>An immediate full and final settlement of somewhere less than 100p in the pound to settle outstanding debts.</li>\r\n <li>An agreed delay of payment until an certain event happens.</li>\r\n <li>An agreement of payments by installments.</li>\r\n</ul>\r\nA CVA aims to serve the best interests of the creditors and shareholders while allowing the company to continue trading, keeping the work force in employment.\r\n\r\nA CVA can only be proposed by a company if it is insolvent. The CVA requires the approval of 75% (by value of the debt) of the voting creditors and approval of a majority of the shareholders.\r\n\r\nIf approved, the CVA binds all creditors irrespective of how (or whether) they voted and allows the directors to retain control of their company.\r\n<h2>Components of a Successful CVA Proposal</h2>\r\nThe proposal must be reasonable and achievable. It must explain why a CVA is in the best interests of all concerned parties and why the creditors should accept the it. The proposal details all the company\'s assets and liabilities and how it is to deal with secured and preferential creditors and those with a direct connection to the company.\r\n\r\nThere must be a business plan to return the company to profitability, in other words, directors must accept there is a need for change. The proposal must be viable and be likely to be considered favorably by the creditors. Working capital in addition to a review of credit repayments need to be arranged.\r\n\r\nCreditors will vote in favour of a CVA if the alternative is liquidation with little or no return to creditors.\r\n<h2><b> Basic Steps of the Procedure:-</b></h2>\r\n<ul>\r\n <li>The CVA can be proposed by directors of the company or a Liquidator/Administrator.</li>\r\n <li>The procedure is administered by a Licensed Insolvency Practitioner.</li>\r\n <li>A study of the company and its position in the marketplace in made.</li>\r\n <li>Directors & secured creditors debate the proposal.</li>\r\n <li>After the proposals are complete, the Nominee needs to prepare a report on the proposals which includes comment on the due diligence they have undertaken to ensure that the CVA proposals are accurate, reasonable and achievable</li>\r\n</ul>\r\n<h2><strong>After the Filing a CVA Proposal:-</strong></h2>\r\n<ul>\r\n <li>Once filed at court, the proposal is sent to the creditors.</li>\r\n <li>A meeting is chaired by the advisor or an IP with all creditors (or representative of creditors) at which the creditors vote on the proposal</li>\r\n <li>Creditors may request modification of the proposal, which will need to be approved by vote.</li>\r\n <li>A shareholders meeting is held on the same day, but after the creditor\'s meeting. This requires a 50% vote in favour of the CVA Proposal.</li>\r\n <li>Once a decision is made, the meetings close and a report is issued by the chairman within 4 days.</li>\r\n <li>Once approved, all creditors are legally bound by the proposal.</li>\r\n <li>After approval, the company makes agreed contributions to the trust account.</li>\r\n</ul>\r\n<h2>CVA - Frequently Asked Questions.</h2>\r\n<strong>What should I do before committing to a CVA?\r\n</strong>Always consult with your accountant before signing anything. Your accountant will be able to offer you the best advice, both for you and the company. Your accountant can advise you on many things when it comes to your company\'s finances, including payroll, tax appeal and commercial mortgages.\r\n\r\nFor a highly specialised accountant in London, we recommend Graham Chartered Accountants - visit their website at <a href=\"https://www.dmostmoney.com/health-care-sector/\" target=\"_blank\" rel=\"noopener\">www.dmostmoney.com</a>.\r\n\r\nAs well as this, they offer payroll services for umbrella companies in the healthcare sector.\r\n\r\n<strong>How much does the company repay its creditors?\r\n</strong>Having reviewed the financial position and the company\'s prospects we would sit down with the directors and calculate what the company can afford to pay into a segregated fund, typically but not always, on a monthly basis.\r\n\r\n<strong>Will the bank, VAT and the Inland Revenue support the CVA?\r\n</strong>In essence a CVA allows a company with historical cash flow problems to repay its liabilities, either in part or in full (including the Inland Revenue and VAT) over a period of time. Once the company\'s liabilities has been restructured any monies generated by the company e.g. book debts can be used as working capital rather than paying its old debts.\r\n\r\nGenerally, they will not be problems with a CVA proposal that adheres to common sense. As the bank is normally secured (as are any finance companies), it remains outside the CVA and with all pre CVA creditors showing in the segregated fund, the pressure is taken off, because you have fresh and unallocated working capital coming in to the company.\r\n\r\n<strong>Will suppliers still supply and support the company?\r\n</strong>It is our experience that nearly most suppliers will continue to support a company in a CVA.\r\n\r\n<strong>Does anyone interfere with the running of the company during a CVA?\r\n</strong>As long as the company adheres to the terms of the CVA, the company is run under the control of the directors without any outside interference. There are certain reporting requirements to a CVA Supervisor, but there are normally simple and brief.','What is a CVA?','Bad, Credit, Loans, Bad Credit Unsecured Loans','inherit','closed','closed','','233-revision-v1','','','2018-03-07 12:27:44','2018-03-07 12:27:44','',233,'http://insolvency-service.co.uk/233-revision-v1',0,'revision','',0),(428,2,'2018-03-07 12:30:57','2018-03-07 12:30:57','<h1>CVA\'s - Company Voluntary Arrangements</h1>\r\n<p class=\"summary\">A CVA is <a href=\"http://insolvency-service.co.uk/iva-faq\">similar to an IVA</a>, but for companies rather than individuals.</p>\r\n<p class=\"summary\">It is a legal procedure that enables a company to make a binding agreement with its creditors and shareholders, describing how the company\'s debts and credit liabilities are to be managed, while allowing the company to trade.</p>\r\n\r\n<blockquote><a href=\"http://insolvency-service.co.uk/contact-us\">Get in touch with us today</a>!</blockquote>\r\nFrom the creditors\' point of view, the CVA serves to achieve one of the following:-\r\n<ul>\r\n <li>An immediate full and final settlement of somewhere less than 100p in the pound to settle outstanding debts.</li>\r\n <li>An agreed delay of payment until an certain event happens.</li>\r\n <li>An agreement of payments by installments.</li>\r\n</ul>\r\nA CVA aims to serve the best interests of the creditors and shareholders while allowing the company to continue trading, keeping the work force in employment.\r\n\r\nA CVA can only be proposed by a company if it is insolvent. The CVA requires the approval of 75% (by value of the debt) of the voting creditors and approval of a majority of the shareholders.\r\n\r\nIf approved, the CVA binds all creditors irrespective of how (or whether) they voted and allows the directors to retain control of their company.\r\n<h2>Components of a Successful CVA Proposal</h2>\r\nThe proposal must be reasonable and achievable. It must explain why a CVA is in the best interests of all concerned parties and why the creditors should accept the it. The proposal details all the company\'s assets and liabilities and how it is to deal with secured and preferential creditors and those with a direct connection to the company.\r\n\r\nThere must be a business plan to return the company to profitability, in other words, directors must accept there is a need for change. The proposal must be viable and be likely to be considered favorably by the creditors. Working capital in addition to a review of credit repayments need to be arranged.\r\n\r\nCreditors will vote in favour of a CVA if the alternative is liquidation with little or no return to creditors. See: <a href=\"https://www.realbusinessrescue.co.uk/company-voluntary-arrangement-cva/advantages\" target=\"_blank\" rel=\"noopener\">Advantages of a CVA</a>\r\n<h2><b> Basic Steps of the Procedure:-</b></h2>\r\n<ul>\r\n <li>The CVA can be proposed by directors of the company or a Liquidator/Administrator.</li>\r\n <li>The procedure is administered by a Licensed Insolvency Practitioner.</li>\r\n <li>A study of the company and its position in the marketplace in made.</li>\r\n <li>Directors & secured creditors debate the proposal.</li>\r\n <li>After the proposals are complete, the Nominee needs to prepare a report on the proposals which includes comment on the due diligence they have undertaken to ensure that the CVA proposals are accurate, reasonable and achievable</li>\r\n</ul>\r\n<h2><strong>After the Filing a CVA Proposal:-</strong></h2>\r\n<ul>\r\n <li>Once filed at court, the proposal is sent to the creditors.</li>\r\n <li>A meeting is chaired by the advisor or an IP with all creditors (or representative of creditors) at which the creditors vote on the proposal</li>\r\n <li>Creditors may request modification of the proposal, which will need to be approved by vote.</li>\r\n <li>A shareholders meeting is held on the same day, but after the creditor\'s meeting. This requires a 50% vote in favour of the CVA Proposal.</li>\r\n <li>Once a decision is made, the meetings close and a report is issued by the chairman within 4 days.</li>\r\n <li>Once approved, all creditors are legally bound by the proposal.</li>\r\n <li>After approval, the company makes agreed contributions to the trust account.</li>\r\n</ul>\r\n<h2>CVA - Frequently Asked Questions.</h2>\r\n<strong>What should I do before committing to a CVA?\r\n</strong>Always consult with your accountant before signing anything. Your accountant will be able to offer you the best advice, both for you and the company. Your accountant can advise you on many things when it comes to your company\'s finances, including payroll, tax appeal and commercial mortgages.\r\n\r\nFor a highly specialised accountant in London, we recommend Graham Chartered Accountants - visit their website at <a href=\"https://www.dmostmoney.com/health-care-sector/\" target=\"_blank\" rel=\"noopener\">www.dmostmoney.com</a>.\r\n\r\nAs well as this, they offer payroll services for umbrella companies in the healthcare sector.\r\n\r\n<strong>How much does the company repay its creditors?\r\n</strong>Having reviewed the financial position and the company\'s prospects we would sit down with the directors and calculate what the company can afford to pay into a segregated fund, typically but not always, on a monthly basis.\r\n\r\n<strong>Will the bank, VAT and the Inland Revenue support the CVA?\r\n</strong>In essence a CVA allows a company with historical cash flow problems to repay its liabilities, either in part or in full (including the Inland Revenue and VAT) over a period of time. Once the company\'s liabilities has been restructured any monies generated by the company e.g. book debts can be used as working capital rather than paying its old debts.\r\n\r\nGenerally, they will not be problems with a CVA proposal that adheres to common sense. As the bank is normally secured (as are any finance companies), it remains outside the CVA and with all pre CVA creditors showing in the segregated fund, the pressure is taken off, because you have fresh and unallocated working capital coming in to the company.\r\n\r\n<strong>Will suppliers still supply and support the company?\r\n</strong>It is our experience that nearly most suppliers will continue to support a company in a CVA. <a href=\"http://kentishflats.uk/suppliers.html\" target=\"_blank\" rel=\"noopener\">Find out more</a>.\r\n\r\n<strong>Does anyone interfere with the running of the company during a CVA?\r\n</strong>As long as the company adheres to the terms of the CVA, the company is run under the control of the directors without any outside interference. There are certain reporting requirements to a CVA Supervisor, but there are normally simple and brief.','What is a CVA?','Bad, Credit, Loans, Bad Credit Unsecured Loans','inherit','closed','closed','','233-revision-v1','','','2018-03-07 12:30:57','2018-03-07 12:30:57','',233,'http://insolvency-service.co.uk/233-revision-v1',0,'revision','',0),(429,2,'2018-03-07 12:31:10','2018-03-07 12:31:10','<h1>CVA\'s - Company Voluntary Arrangements</h1>\r\n<p class=\"summary\">A CVA is <a href=\"http://insolvency-service.co.uk/iva-faq\">similar to an IVA</a>, but for companies rather than individuals.</p>\r\n<p class=\"summary\">It is a legal procedure that enables a company to make a binding agreement with its creditors and shareholders, describing how the company\'s debts and credit liabilities are to be managed, while allowing the company to trade.</p>\r\n\r\n<blockquote><a href=\"http://insolvency-service.co.uk/contact-us\">Get in touch with us today</a>!</blockquote>\r\nFrom the creditors\' point of view, the CVA serves to achieve one of the following:-\r\n<ul>\r\n <li>An immediate full and final settlement of somewhere less than 100p in the pound to settle outstanding debts.</li>\r\n <li>An agreed delay of payment until an certain event happens.</li>\r\n <li>An agreement of payments by installments.</li>\r\n</ul>\r\nA CVA aims to serve the best interests of the creditors and shareholders while allowing the company to continue trading, keeping the work force in employment.\r\n\r\nA CVA can only be proposed by a company if it is insolvent. The CVA requires the approval of 75% (by value of the debt) of the voting creditors and approval of a majority of the shareholders.\r\n\r\nIf approved, the CVA binds all creditors irrespective of how (or whether) they voted and allows the directors to retain control of their company.\r\n<h2>Components of a Successful CVA Proposal</h2>\r\nThe proposal must be reasonable and achievable. It must explain why a CVA is in the best interests of all concerned parties and why the creditors should accept the it. The proposal details all the company\'s assets and liabilities and how it is to deal with secured and preferential creditors and those with a direct connection to the company.\r\n\r\nThere must be a business plan to return the company to profitability, in other words, directors must accept there is a need for change. The proposal must be viable and be likely to be considered favorably by the creditors. Working capital in addition to a review of credit repayments need to be arranged.\r\n\r\nCreditors will vote in favour of a CVA if the alternative is liquidation with little or no return to creditors.\r\n<blockquote>See: <a href=\"https://www.realbusinessrescue.co.uk/company-voluntary-arrangement-cva/advantages\" target=\"_blank\" rel=\"noopener\">Advantages of a CVA</a></blockquote>\r\n<h2><b> Basic Steps of the Procedure:-</b></h2>\r\n<ul>\r\n <li>The CVA can be proposed by directors of the company or a Liquidator/Administrator.</li>\r\n <li>The procedure is administered by a Licensed Insolvency Practitioner.</li>\r\n <li>A study of the company and its position in the marketplace in made.</li>\r\n <li>Directors & secured creditors debate the proposal.</li>\r\n <li>After the proposals are complete, the Nominee needs to prepare a report on the proposals which includes comment on the due diligence they have undertaken to ensure that the CVA proposals are accurate, reasonable and achievable</li>\r\n</ul>\r\n<h2><strong>After the Filing a CVA Proposal:-</strong></h2>\r\n<ul>\r\n <li>Once filed at court, the proposal is sent to the creditors.</li>\r\n <li>A meeting is chaired by the advisor or an IP with all creditors (or representative of creditors) at which the creditors vote on the proposal</li>\r\n <li>Creditors may request modification of the proposal, which will need to be approved by vote.</li>\r\n <li>A shareholders meeting is held on the same day, but after the creditor\'s meeting. This requires a 50% vote in favour of the CVA Proposal.</li>\r\n <li>Once a decision is made, the meetings close and a report is issued by the chairman within 4 days.</li>\r\n <li>Once approved, all creditors are legally bound by the proposal.</li>\r\n <li>After approval, the company makes agreed contributions to the trust account.</li>\r\n</ul>\r\n<h2>CVA - Frequently Asked Questions.</h2>\r\n<strong>What should I do before committing to a CVA?\r\n</strong>Always consult with your accountant before signing anything. Your accountant will be able to offer you the best advice, both for you and the company. Your accountant can advise you on many things when it comes to your company\'s finances, including payroll, tax appeal and commercial mortgages.\r\n\r\nFor a highly specialised accountant in London, we recommend Graham Chartered Accountants - visit their website at <a href=\"https://www.dmostmoney.com/health-care-sector/\" target=\"_blank\" rel=\"noopener\">www.dmostmoney.com</a>.\r\n\r\nAs well as this, they offer payroll services for umbrella companies in the healthcare sector.\r\n\r\n<strong>How much does the company repay its creditors?\r\n</strong>Having reviewed the financial position and the company\'s prospects we would sit down with the directors and calculate what the company can afford to pay into a segregated fund, typically but not always, on a monthly basis.\r\n\r\n<strong>Will the bank, VAT and the Inland Revenue support the CVA?\r\n</strong>In essence a CVA allows a company with historical cash flow problems to repay its liabilities, either in part or in full (including the Inland Revenue and VAT) over a period of time. Once the company\'s liabilities has been restructured any monies generated by the company e.g. book debts can be used as working capital rather than paying its old debts.\r\n\r\nGenerally, they will not be problems with a CVA proposal that adheres to common sense. As the bank is normally secured (as are any finance companies), it remains outside the CVA and with all pre CVA creditors showing in the segregated fund, the pressure is taken off, because you have fresh and unallocated working capital coming in to the company.\r\n\r\n<strong>Will suppliers still supply and support the company?\r\n</strong>It is our experience that nearly most suppliers will continue to support a company in a CVA. <a href=\"http://kentishflats.uk/suppliers.html\" target=\"_blank\" rel=\"noopener\">Find out more</a>.\r\n\r\n<strong>Does anyone interfere with the running of the company during a CVA?\r\n</strong>As long as the company adheres to the terms of the CVA, the company is run under the control of the directors without any outside interference. There are certain reporting requirements to a CVA Supervisor, but there are normally simple and brief.','What is a CVA?','Bad, Credit, Loans, Bad Credit Unsecured Loans','inherit','closed','closed','','233-revision-v1','','','2018-03-07 12:31:10','2018-03-07 12:31:10','',233,'http://insolvency-service.co.uk/233-revision-v1',0,'revision','',0),(430,2,'2018-03-07 12:31:58','2018-03-07 12:31:58','','agreement','','inherit','open','closed','','agreement','','','2018-03-07 12:32:13','2018-03-07 12:32:13','',233,'http://insolvency-service.co.uk/wp-content/uploads/2017/08/agreement.jpg',0,'attachment','image/jpeg',0),(431,2,'2018-03-07 12:32:18','2018-03-07 12:32:18','<h1><a href=\"/\"><img class=\"alignnone size-full wp-image-430\" src=\"http://insolvency-service.co.uk/wp-content/uploads/2017/08/agreement.jpg\" alt=\"A CVA agreement is important to pay back your debtors\" width=\"960\" height=\"616\" /></a>CVA\'s - Company Voluntary Arrangements</h1>\r\n<p class=\"summary\">A CVA is <a href=\"http://insolvency-service.co.uk/iva-faq\">similar to an IVA</a>, but for companies rather than individuals.</p>\r\n<p class=\"summary\">It is a legal procedure that enables a company to make a binding agreement with its creditors and shareholders, describing how the company\'s debts and credit liabilities are to be managed, while allowing the company to trade.</p>\r\n\r\n<blockquote><a href=\"http://insolvency-service.co.uk/contact-us\">Get in touch with us today</a>!</blockquote>\r\nFrom the creditors\' point of view, the CVA serves to achieve one of the following:-\r\n<ul>\r\n <li>An immediate full and final settlement of somewhere less than 100p in the pound to settle outstanding debts.</li>\r\n <li>An agreed delay of payment until an certain event happens.</li>\r\n <li>An agreement of payments by installments.</li>\r\n</ul>\r\nA CVA aims to serve the best interests of the creditors and shareholders while allowing the company to continue trading, keeping the work force in employment.\r\n\r\nA CVA can only be proposed by a company if it is insolvent. The CVA requires the approval of 75% (by value of the debt) of the voting creditors and approval of a majority of the shareholders.\r\n\r\nIf approved, the CVA binds all creditors irrespective of how (or whether) they voted and allows the directors to retain control of their company.\r\n<h2>Components of a Successful CVA Proposal</h2>\r\nThe proposal must be reasonable and achievable. It must explain why a CVA is in the best interests of all concerned parties and why the creditors should accept the it. The proposal details all the company\'s assets and liabilities and how it is to deal with secured and preferential creditors and those with a direct connection to the company.\r\n\r\nThere must be a business plan to return the company to profitability, in other words, directors must accept there is a need for change. The proposal must be viable and be likely to be considered favorably by the creditors. Working capital in addition to a review of credit repayments need to be arranged.\r\n\r\nCreditors will vote in favour of a CVA if the alternative is liquidation with little or no return to creditors.\r\n<blockquote>See: <a href=\"https://www.realbusinessrescue.co.uk/company-voluntary-arrangement-cva/advantages\" target=\"_blank\" rel=\"noopener\">Advantages of a CVA</a></blockquote>\r\n<h2><b> Basic Steps of the Procedure:-</b></h2>\r\n<ul>\r\n <li>The CVA can be proposed by directors of the company or a Liquidator/Administrator.</li>\r\n <li>The procedure is administered by a Licensed Insolvency Practitioner.</li>\r\n <li>A study of the company and its position in the marketplace in made.</li>\r\n <li>Directors & secured creditors debate the proposal.</li>\r\n <li>After the proposals are complete, the Nominee needs to prepare a report on the proposals which includes comment on the due diligence they have undertaken to ensure that the CVA proposals are accurate, reasonable and achievable</li>\r\n</ul>\r\n<h2><strong>After the Filing a CVA Proposal:-</strong></h2>\r\n<ul>\r\n <li>Once filed at court, the proposal is sent to the creditors.</li>\r\n <li>A meeting is chaired by the advisor or an IP with all creditors (or representative of creditors) at which the creditors vote on the proposal</li>\r\n <li>Creditors may request modification of the proposal, which will need to be approved by vote.</li>\r\n <li>A shareholders meeting is held on the same day, but after the creditor\'s meeting. This requires a 50% vote in favour of the CVA Proposal.</li>\r\n <li>Once a decision is made, the meetings close and a report is issued by the chairman within 4 days.</li>\r\n <li>Once approved, all creditors are legally bound by the proposal.</li>\r\n <li>After approval, the company makes agreed contributions to the trust account.</li>\r\n</ul>\r\n<h2>CVA - Frequently Asked Questions.</h2>\r\n<strong>What should I do before committing to a CVA?\r\n</strong>Always consult with your accountant before signing anything. Your accountant will be able to offer you the best advice, both for you and the company. Your accountant can advise you on many things when it comes to your company\'s finances, including payroll, tax appeal and commercial mortgages.\r\n\r\nFor a highly specialised accountant in London, we recommend Graham Chartered Accountants - visit their website at <a href=\"https://www.dmostmoney.com/health-care-sector/\" target=\"_blank\" rel=\"noopener\">www.dmostmoney.com</a>.\r\n\r\nAs well as this, they offer payroll services for umbrella companies in the healthcare sector.\r\n\r\n<strong>How much does the company repay its creditors?\r\n</strong>Having reviewed the financial position and the company\'s prospects we would sit down with the directors and calculate what the company can afford to pay into a segregated fund, typically but not always, on a monthly basis.\r\n\r\n<strong>Will the bank, VAT and the Inland Revenue support the CVA?\r\n</strong>In essence a CVA allows a company with historical cash flow problems to repay its liabilities, either in part or in full (including the Inland Revenue and VAT) over a period of time. Once the company\'s liabilities has been restructured any monies generated by the company e.g. book debts can be used as working capital rather than paying its old debts.\r\n\r\nGenerally, they will not be problems with a CVA proposal that adheres to common sense. As the bank is normally secured (as are any finance companies), it remains outside the CVA and with all pre CVA creditors showing in the segregated fund, the pressure is taken off, because you have fresh and unallocated working capital coming in to the company.\r\n\r\n<strong>Will suppliers still supply and support the company?\r\n</strong>It is our experience that nearly most suppliers will continue to support a company in a CVA. <a href=\"http://kentishflats.uk/suppliers.html\" target=\"_blank\" rel=\"noopener\">Find out more</a>.\r\n\r\n<strong>Does anyone interfere with the running of the company during a CVA?\r\n</strong>As long as the company adheres to the terms of the CVA, the company is run under the control of the directors without any outside interference. There are certain reporting requirements to a CVA Supervisor, but there are normally simple and brief.','What is a CVA?','Bad, Credit, Loans, Bad Credit Unsecured Loans','inherit','closed','closed','','233-revision-v1','','','2018-03-07 12:32:18','2018-03-07 12:32:18','',233,'http://insolvency-service.co.uk/233-revision-v1',0,'revision','',0),(433,2,'2018-05-11 11:19:21','2018-05-11 10:19:21','<h2>Bankruptcy, Pensions & Funeral Planning</h2>\n<h3><a href=\"/\"><img class=\"alignnone size-full wp-image-435\" src=\"http://insolvency-service.co.uk/wp-content/uploads/2017/08/family.jpg\" alt=\"Start planning your future today\" width=\"960\" height=\"640\" /></a>Start making the right investments</h3>\n<p class=\"summary\"><span class=\"nomargin\">In bankruptcy, you may lose some of your pension capital and have to make payments from pension income towards your debts. <a href=\"http://insolvency-service.co.uk/debt-management\">Manage your debts</a>.\n</span></p>\n<strong>There are four types of pension you may have already or could receive in the future:</strong>\n<ul>\n <li><strong>State Pension</strong></li>\n <li><strong>Occupational Pension </strong>- Contributions may have been made by the employer, the employee, or both.</li>\n <li><strong>Personal Pension</strong>.</li>\n <li><strong>Group Personal Pension</strong> - Payments are made to a pension provider, often on favourable terms negotiated by a employer/ trade association or union. In bankruptcy these are treated in the same way as other personal pensions.</li>\n</ul>\n<h2>Plan ahead of time</h2>\nWhen people retire, the last thing they want to think about is their funeral, but now is the perfect time to plan. No matter how far away you think you might be, there isn\'t a better time than the present.\n\nYou can pre-plan your funeral and tell your loved ones what you want and how you want to be remembered. Pre-planning can take the financial burden and emotional stress off of your family and can get the kind of funeral that you want.\n\n<em>You can pay for your funeral in full or with monthly instalments - choose a solution that best suits your needs.</em>\n\nFor help and advice regarding your funeral plans, <a href=\"https://www.funeralguide.co.uk/funeral-directors/brighton/\" target=\"_blank\" rel=\"noopener\">we recommend the Funeral Guide</a>. They will help you find a funeral director throughout Sussex including Brighton and Hove.\n<h2>Will I loose some of my pension?</h2>\nState pensions or any payments from the State Second Pension (S2P) scheme are never impacted by Bankruptcy proceedings.\n\nThe <strong><a href=\"http://www.opsi.gov.uk/ACTS/acts1999/90030--c.htm#11\" target=\"_blank\" rel=\"noopener\">Welfare Reform and Pensions Act 1999</a></strong> states that where a bankruptcy order was made on a bankruptcy petition which was presented on or after 29th May 2000, all pension schemes (Occupational or Private) which have been approved by HM Revenue and Customs do not form part of a bankrupt\'s estate and therefore cannot be claimed by the Trustee in bankruptcy. <strong>\nThis refers to the pension as an asset, not income from the pension. </strong>\n\n<strong>Approved pension schemes defined as: </strong>\n<ul>\n <li>Those registered under <strong><a href=\"http://www.opsi.gov.uk/ACTS/acts2004/40012--p.htm\" target=\"_blank\" rel=\"noopener\">section 153 of the Finance Act 2004</a> </strong>(meaning, schemes registered by HM Revenue and Customs plus annuity contracts used to secure benefits under a registered pension scheme which do not provide for immediate payment of benefits)</li>\n <li>Retirement annuity contracts.</li>\n <li>Those approved by the HM Revenue and Customs for tax purposes;</li>\n <li>Stakeholder pensions.</li>\n</ul>\n<em><a href=\"http://www.answerbag.co.uk/news/new-inflation-figures-mean-pensioners/\" target=\"_blank\" rel=\"noopener\">Click here</a> to find out what inflation is doing to penshttp://insolvency-service.co.uk/contact-usion prices.</em>\n\n<strong>Unapproved pension schemes</strong>\nUnapproved pension scheme can possibly be excluded from a bankruptcy estate by applying to court for an exclusion order or by making a qualifying agreement with the Official Receiver.\n\n<strong>Pensions included in a Bankruptcy estate.</strong>\nWhen a pension policy is included in a bankruptcy estate, the official receiver can claim the lump sum and the regular payments. This can also be after discharge from bankruptcy. It may be possible to buy back part or all of the pension policy at a later time.\n<h2>Income from Pensions during Bankruptcy</h2>\nIf you receive a regular income from a pension and/or a lump sum during bankruptcy, then this may be subject to an income payment order or income payment agreement.\n\nYou may apply to the court to for an <strong>exclusion order</strong> or make an <strong>qualifying agreement</strong> with the Trustee that this should be excluded. As in the case of unapproved pension schemes, your current and future needs and that of your family/dependents are considered.\n\nThe qualifying agreement can be revoked by the Trustee if you are found to fail to disclose relevant details that would have altered the decision made on the agreement.\n\nPlease contact us for more advice.\n\n<strong>You make apply to the court for an exclusion order:-</strong>\n<ul>\n <li>Within 13 weeks of the appointment of the Trustee\nOR</li>\n <li>within 30 day of the revoke of a qualifying agreement.</li>\n</ul>\n<div id=\"IVAadvice\">\n<h2><a href=\"http://insolvency-service.co.uk/iva-faq\">IVAs & Your Pension</a></h2>\nThe asset that is your personal pension is not at risk on an IVA. However, you may be required to reduce or suspend payments into it for the duration of the IVA with the intention of using this money towards the IVA.\n\nIncome received from either a state or other pension schemes are considered as income when calculating how much you can afford to pay into an IVA.\n\n<a href=\"http://insolvency-service.co.uk/cva\">A CVA is applied to companies</a>.\n\nIf you have made excessive contributes into a personal pension plan, just before applying for personal involvency, which is what an IVA is, then this may be considered to be an attempt to hide money from your creditors. In the case of bankruptcy, this transaction could be reversed by court order and the money taken to paid towards your debts. Your creditors would require the same in order to approve the IVA propsal, after all an IVA is intended to produce more for the creditors than bankruptcy.\n\n</div>','Pensions','','inherit','closed','closed','','224-autosave-v1','','','2018-05-11 11:19:21','2018-05-11 10:19:21','',224,'http://insolvency-service.co.uk/224-autosave-v1',0,'revision','',0),(434,2,'2018-05-11 11:14:39','2018-05-11 10:14:39','<h2>Bankruptcy, Pensions & Funeral Planning</h2>\r\n<h3>Start making the right investments</h3>\r\n<p class=\"summary\"><span class=\"nomargin\">In bankruptcy, you may lose some of your pension capital and have to make payments from pension income towards your debts. </span></p>\r\n<strong>There are four types of pension you may have already or could receive in the future:</strong>\r\n<ul>\r\n <li><strong>State Pension</strong></li>\r\n <li><strong>Occupational Pension</strong>\r\n- Contributions may have been made by the employer, the employee, or both.</li>\r\n <li><strong>Personal Pension</strong>.</li>\r\n <li><strong>Group Personal Pension</strong> - Payments are made to a pension provider, often on favourable terms negotiated by a employer/ trade association or union. In bankruptcy these are treated in the same way as other personal pensions.</li>\r\n</ul>\r\n<h2>Plan ahead of time</h2>\r\nWhen people retire, the last thing they want to think about is their funeral, but now is the perfect time to plan. No matter how far away you think you might be, there isn\'t a better time than the present.\r\n\r\nYou can pre-plan your funeral and tell your loved ones what you want and how you want to be remembered. Pre-planning can take the financial burden and emotional stress off of your family and can get the kind of funeral that you want.\r\n\r\n<em>You can pay for your funeral in full or with monthly instalments - choose a solution that best suits your needs.</em>\r\n\r\nFor help and advice regarding your funeral plans, <a href=\"https://www.funeralguide.co.uk/funeral-directors/brighton/\" target=\"_blank\" rel=\"noopener\">we recommend the Funeral Guide</a>. They will help you find a funeral director throughout Sussex including Brighton and Hove.\r\n<h2>Will I loose some of my pension?</h2>\r\nState pensions or any payments from the State Second Pension (S2P) scheme are never impacted by Bankruptcy proceedings.\r\n\r\nThe <strong><a href=\"http://www.opsi.gov.uk/ACTS/acts1999/90030--c.htm#11\" target=\"_blank\" rel=\"noopener\">Welfare Reform and Pensions Act 1999</a></strong> states that where a bankruptcy order was made on a bankruptcy petition which was presented on or after 29th May 2000, all pension schemes (Occupational or Private) which have been approved by HM Revenue and Customs do not form part of a bankrupt\'s estate and therefore cannot be claimed by the Trustee in bankruptcy. <strong>\r\nThis refers to the pension as an asset, not income from the pension. </strong>\r\n\r\n<strong>Approved pension schemes defined as: </strong>\r\n<ul>\r\n <li>Those registered under <strong><a href=\"http://www.opsi.gov.uk/ACTS/acts2004/40012--p.htm\" target=\"_blank\" rel=\"noopener\">section 153 of the Finance Act 2004</a> </strong>(meaning, schemes registered by HM Revenue and Customs plus annuity contracts used to secure benefits under a registered pension scheme which do not provide for immediate payment of benefits)</li>\r\n <li>Retirement annuity contracts.</li>\r\n <li>Those approved by the HM Revenue and Customs for tax purposes;</li>\r\n <li>Stakeholder pensions.</li>\r\n</ul>\r\n<strong>Unapproved pension schemes</strong>\r\nUnapproved pension scheme can possibly be excluded from a bankruptcy estate by applying to court for an exclusion order or by making a qualifying agreement with the Official Receiver.\r\n\r\n<strong>Pensions included in a Bankruptcy estate.</strong>\r\nWhen a pension policy is included in a bankruptcy estate, the official receiver can claim the lump sum and the regular payments. This can also be after discharge from bankruptcy. It may be possible to buy back part or all of the pension policy at a later time.\r\n<h2>Income from Pensions during Bankruptcy</h2>\r\nIf you receive a regular income from a pension and/or a lump sum during bankruptcy, then this may be subject to an income payment order or income payment agreement.\r\n\r\nYou may apply to the court to for an <strong>exclusion order</strong> or make an <strong>qualifying agreement</strong> with the Trustee that this should be excluded. As in the case of unapproved pension schemes, your current and future needs and that of your family/dependants are considered.\r\n\r\nThe qualifying agreement can be revoked by the Trustee if you are found to fail to disclose relevant details that would have altered the decision made on the agreement.\r\n\r\nYou make apply to the court for an exclusion order:-\r\n<ul>\r\n <li>Within 13 weeks of the appointment of the Trustee\r\nOR</li>\r\n <li>within 30 day of the revoke of a qualifying agreement.</li>\r\n</ul>\r\n<div id=\"IVAadvice\">\r\n<h2>IVAs & Your Pension.</h2>\r\nThe asset that is your personal pension is not at risk on an IVA. However, you may be required to reduce or suspend payments into it for the duration of the IVA with the intention of using this money towards the IVA.\r\n\r\nIncome received from either a state or other pension schemes are considered as income when calculating how much you can afford to pay into an IVA.\r\n\r\nIf you have made excessive contributes into a personal pension plan, just before applying for personal involvency, which is what an IVA is, then this may be considered to be an attempt to hide money from your creditors. In the case of bankruptcy, this transaction could be reversed by court order and the money taken to paid towards your debts. Your creditors would require the same in order to approve the IVA propsal, after all an IVA is intended to produce more for the creditors than bankruptcy.\r\n\r\n</div>','Pensions','','inherit','closed','closed','','224-revision-v1','','','2018-05-11 11:14:39','2018-05-11 10:14:39','',224,'http://insolvency-service.co.uk/224-revision-v1',0,'revision','',0),(435,2,'2018-05-11 11:15:45','2018-05-11 10:15:45','','family','','inherit','open','closed','','family','','','2018-05-11 11:15:53','2018-05-11 10:15:53','',224,'http://insolvency-service.co.uk/wp-content/uploads/2017/08/family.jpg',0,'attachment','image/jpeg',0),(436,2,'2018-05-11 11:15:57','2018-05-11 10:15:57','<h2>Bankruptcy, Pensions & Funeral Planning</h2>\r\n<h3><a href=\"/\"><img class=\"alignnone size-full wp-image-435\" src=\"http://insolvency-service.co.uk/wp-content/uploads/2017/08/family.jpg\" alt=\"Start planning your future today\" width=\"960\" height=\"640\" /></a>Start making the right investments</h3>\r\n<p class=\"summary\"><span class=\"nomargin\">In bankruptcy, you may lose some of your pension capital and have to make payments from pension income towards your debts. </span></p>\r\n<strong>There are four types of pension you may have already or could receive in the future:</strong>\r\n<ul>\r\n <li><strong>State Pension</strong></li>\r\n <li><strong>Occupational Pension</strong>\r\n- Contributions may have been made by the employer, the employee, or both.</li>\r\n <li><strong>Personal Pension</strong>.</li>\r\n <li><strong>Group Personal Pension</strong> - Payments are made to a pension provider, often on favourable terms negotiated by a employer/ trade association or union. In bankruptcy these are treated in the same way as other personal pensions.</li>\r\n</ul>\r\n<h2>Plan ahead of time</h2>\r\nWhen people retire, the last thing they want to think about is their funeral, but now is the perfect time to plan. No matter how far away you think you might be, there isn\'t a better time than the present.\r\n\r\nYou can pre-plan your funeral and tell your loved ones what you want and how you want to be remembered. Pre-planning can take the financial burden and emotional stress off of your family and can get the kind of funeral that you want.\r\n\r\n<em>You can pay for your funeral in full or with monthly instalments - choose a solution that best suits your needs.</em>\r\n\r\nFor help and advice regarding your funeral plans, <a href=\"https://www.funeralguide.co.uk/funeral-directors/brighton/\" target=\"_blank\" rel=\"noopener\">we recommend the Funeral Guide</a>. They will help you find a funeral director throughout Sussex including Brighton and Hove.\r\n<h2>Will I loose some of my pension?</h2>\r\nState pensions or any payments from the State Second Pension (S2P) scheme are never impacted by Bankruptcy proceedings.\r\n\r\nThe <strong><a href=\"http://www.opsi.gov.uk/ACTS/acts1999/90030--c.htm#11\" target=\"_blank\" rel=\"noopener\">Welfare Reform and Pensions Act 1999</a></strong> states that where a bankruptcy order was made on a bankruptcy petition which was presented on or after 29th May 2000, all pension schemes (Occupational or Private) which have been approved by HM Revenue and Customs do not form part of a bankrupt\'s estate and therefore cannot be claimed by the Trustee in bankruptcy. <strong>\r\nThis refers to the pension as an asset, not income from the pension. </strong>\r\n\r\n<strong>Approved pension schemes defined as: </strong>\r\n<ul>\r\n <li>Those registered under <strong><a href=\"http://www.opsi.gov.uk/ACTS/acts2004/40012--p.htm\" target=\"_blank\" rel=\"noopener\">section 153 of the Finance Act 2004</a> </strong>(meaning, schemes registered by HM Revenue and Customs plus annuity contracts used to secure benefits under a registered pension scheme which do not provide for immediate payment of benefits)</li>\r\n <li>Retirement annuity contracts.</li>\r\n <li>Those approved by the HM Revenue and Customs for tax purposes;</li>\r\n <li>Stakeholder pensions.</li>\r\n</ul>\r\n<strong>Unapproved pension schemes</strong>\r\nUnapproved pension scheme can possibly be excluded from a bankruptcy estate by applying to court for an exclusion order or by making a qualifying agreement with the Official Receiver.\r\n\r\n<strong>Pensions included in a Bankruptcy estate.</strong>\r\nWhen a pension policy is included in a bankruptcy estate, the official receiver can claim the lump sum and the regular payments. This can also be after discharge from bankruptcy. It may be possible to buy back part or all of the pension policy at a later time.\r\n<h2>Income from Pensions during Bankruptcy</h2>\r\nIf you receive a regular income from a pension and/or a lump sum during bankruptcy, then this may be subject to an income payment order or income payment agreement.\r\n\r\nYou may apply to the court to for an <strong>exclusion order</strong> or make an <strong>qualifying agreement</strong> with the Trustee that this should be excluded. As in the case of unapproved pension schemes, your current and future needs and that of your family/dependants are considered.\r\n\r\nThe qualifying agreement can be revoked by the Trustee if you are found to fail to disclose relevant details that would have altered the decision made on the agreement.\r\n\r\nYou make apply to the court for an exclusion order:-\r\n<ul>\r\n <li>Within 13 weeks of the appointment of the Trustee\r\nOR</li>\r\n <li>within 30 day of the revoke of a qualifying agreement.</li>\r\n</ul>\r\n<div id=\"IVAadvice\">\r\n<h2>IVAs & Your Pension.</h2>\r\nThe asset that is your personal pension is not at risk on an IVA. However, you may be required to reduce or suspend payments into it for the duration of the IVA with the intention of using this money towards the IVA.\r\n\r\nIncome received from either a state or other pension schemes are considered as income when calculating how much you can afford to pay into an IVA.\r\n\r\nIf you have made excessive contributes into a personal pension plan, just before applying for personal involvency, which is what an IVA is, then this may be considered to be an attempt to hide money from your creditors. In the case of bankruptcy, this transaction could be reversed by court order and the money taken to paid towards your debts. Your creditors would require the same in order to approve the IVA propsal, after all an IVA is intended to produce more for the creditors than bankruptcy.\r\n\r\n</div>','Pensions','','inherit','closed','closed','','224-revision-v1','','','2018-05-11 11:15:57','2018-05-11 10:15:57','',224,'http://insolvency-service.co.uk/224-revision-v1',0,'revision','',0),(437,2,'2018-05-11 11:18:19','2018-05-11 10:18:19','<h2>Bankruptcy, Pensions & Funeral Planning</h2>\r\n<h3><a href=\"/\"><img class=\"alignnone size-full wp-image-435\" src=\"http://insolvency-service.co.uk/wp-content/uploads/2017/08/family.jpg\" alt=\"Start planning your future today\" width=\"960\" height=\"640\" /></a>Start making the right investments</h3>\r\n<p class=\"summary\"><span class=\"nomargin\">In bankruptcy, you may lose some of your pension capital and have to make payments from pension income towards your debts. </span></p>\r\n<strong>There are four types of pension you may have already or could receive in the future:</strong>\r\n<ul>\r\n <li><strong>State Pension</strong></li>\r\n <li><strong>Occupational Pension </strong>- Contributions may have been made by the employer, the employee, or both.</li>\r\n <li><strong>Personal Pension</strong>.</li>\r\n <li><strong>Group Personal Pension</strong> - Payments are made to a pension provider, often on favourable terms negotiated by a employer/ trade association or union. In bankruptcy these are treated in the same way as other personal pensions.</li>\r\n</ul>\r\n<h2>Plan ahead of time</h2>\r\nWhen people retire, the last thing they want to think about is their funeral, but now is the perfect time to plan. No matter how far away you think you might be, there isn\'t a better time than the present.\r\n\r\nYou can pre-plan your funeral and tell your loved ones what you want and how you want to be remembered. Pre-planning can take the financial burden and emotional stress off of your family and can get the kind of funeral that you want.\r\n\r\n<em>You can pay for your funeral in full or with monthly instalments - choose a solution that best suits your needs.</em>\r\n\r\nFor help and advice regarding your funeral plans, <a href=\"https://www.funeralguide.co.uk/funeral-directors/brighton/\" target=\"_blank\" rel=\"noopener\">we recommend the Funeral Guide</a>. They will help you find a funeral director throughout Sussex including Brighton and Hove.\r\n<h2>Will I loose some of my pension?</h2>\r\nState pensions or any payments from the State Second Pension (S2P) scheme are never impacted by Bankruptcy proceedings.\r\n\r\nThe <strong><a href=\"http://www.opsi.gov.uk/ACTS/acts1999/90030--c.htm#11\" target=\"_blank\" rel=\"noopener\">Welfare Reform and Pensions Act 1999</a></strong> states that where a bankruptcy order was made on a bankruptcy petition which was presented on or after 29th May 2000, all pension schemes (Occupational or Private) which have been approved by HM Revenue and Customs do not form part of a bankrupt\'s estate and therefore cannot be claimed by the Trustee in bankruptcy. <strong>\r\nThis refers to the pension as an asset, not income from the pension. </strong>\r\n\r\n<strong>Approved pension schemes defined as: </strong>\r\n<ul>\r\n <li>Those registered under <strong><a href=\"http://www.opsi.gov.uk/ACTS/acts2004/40012--p.htm\" target=\"_blank\" rel=\"noopener\">section 153 of the Finance Act 2004</a> </strong>(meaning, schemes registered by HM Revenue and Customs plus annuity contracts used to secure benefits under a registered pension scheme which do not provide for immediate payment of benefits)</li>\r\n <li>Retirement annuity contracts.</li>\r\n <li>Those approved by the HM Revenue and Customs for tax purposes;</li>\r\n <li>Stakeholder pensions.</li>\r\n</ul>\r\n<em><a href=\"http://www.answerbag.co.uk/news/new-inflation-figures-mean-pensioners/\" target=\"_blank\" rel=\"noopener\">Click here</a> to find out what inflation is doing to pension prices.</em>\r\n\r\n<strong>Unapproved pension schemes</strong>\r\nUnapproved pension scheme can possibly be excluded from a bankruptcy estate by applying to court for an exclusion order or by making a qualifying agreement with the Official Receiver.\r\n\r\n<strong>Pensions included in a Bankruptcy estate.</strong>\r\nWhen a pension policy is included in a bankruptcy estate, the official receiver can claim the lump sum and the regular payments. This can also be after discharge from bankruptcy. It may be possible to buy back part or all of the pension policy at a later time.\r\n<h2>Income from Pensions during Bankruptcy</h2>\r\nIf you receive a regular income from a pension and/or a lump sum during bankruptcy, then this may be subject to an income payment order or income payment agreement.\r\n\r\nYou may apply to the court to for an <strong>exclusion order</strong> or make an <strong>qualifying agreement</strong> with the Trustee that this should be excluded. As in the case of unapproved pension schemes, your current and future needs and that of your family/dependants are considered.\r\n\r\nThe qualifying agreement can be revoked by the Trustee if you are found to fail to disclose relevant details that would have altered the decision made on the agreement.\r\n\r\nYou make apply to the court for an exclusion order:-\r\n<ul>\r\n <li>Within 13 weeks of the appointment of the Trustee\r\nOR</li>\r\n <li>within 30 day of the revoke of a qualifying agreement.</li>\r\n</ul>\r\n<div id=\"IVAadvice\">\r\n<h2><a href=\"http://insolvency-service.co.uk/iva-faq\">IVAs & Your Pension</a></h2>\r\nThe asset that is your personal pension is not at risk on an IVA. However, you may be required to reduce or suspend payments into it for the duration of the IVA with the intention of using this money towards the IVA.\r\n\r\nIncome received from either a state or other pension schemes are considered as income when calculating how much you can afford to pay into an IVA.\r\n\r\n<a href=\"http://insolvency-service.co.uk/cva\">A CVA is applied to companies</a>.\r\n\r\nIf you have made excessive contributes into a personal pension plan, just before applying for personal involvency, which is what an IVA is, then this may be considered to be an attempt to hide money from your creditors. In the case of bankruptcy, this transaction could be reversed by court order and the money taken to paid towards your debts. Your creditors would require the same in order to approve the IVA propsal, after all an IVA is intended to produce more for the creditors than bankruptcy.\r\n\r\n</div>','Pensions','','inherit','closed','closed','','224-revision-v1','','','2018-05-11 11:18:19','2018-05-11 10:18:19','',224,'http://insolvency-service.co.uk/224-revision-v1',0,'revision','',0),(438,2,'2018-05-11 11:19:30','2018-05-11 10:19:30','<h2>Bankruptcy, Pensions & Funeral Planning</h2>\r\n<h3><a href=\"/\"><img class=\"alignnone size-full wp-image-435\" src=\"http://insolvency-service.co.uk/wp-content/uploads/2017/08/family.jpg\" alt=\"Start planning your future today\" width=\"960\" height=\"640\" /></a>Start making the right investments</h3>\r\n<p class=\"summary\"><span class=\"nomargin\">In bankruptcy, you may lose some of your pension capital and have to make payments from pension income towards your debts. <a href=\"http://insolvency-service.co.uk/debt-management\">Manage your debts</a>.\r\n</span></p>\r\n<strong>There are four types of pension you may have already or could receive in the future:</strong>\r\n<ul>\r\n <li><strong>State Pension</strong></li>\r\n <li><strong>Occupational Pension </strong>- Contributions may have been made by the employer, the employee, or both.</li>\r\n <li><strong>Personal Pension</strong>.</li>\r\n <li><strong>Group Personal Pension</strong> - Payments are made to a pension provider, often on favourable terms negotiated by a employer/ trade association or union. In bankruptcy these are treated in the same way as other personal pensions.</li>\r\n</ul>\r\n<h2>Plan ahead of time</h2>\r\nWhen people retire, the last thing they want to think about is their funeral, but now is the perfect time to plan. No matter how far away you think you might be, there isn\'t a better time than the present.\r\n\r\nYou can pre-plan your funeral and tell your loved ones what you want and how you want to be remembered. Pre-planning can take the financial burden and emotional stress off of your family and can get the kind of funeral that you want.\r\n\r\n<em>You can pay for your funeral in full or with monthly instalments - choose a solution that best suits your needs.</em>\r\n\r\nFor help and advice regarding your funeral plans, <a href=\"https://www.funeralguide.co.uk/funeral-directors/brighton/\" target=\"_blank\" rel=\"noopener\">we recommend the Funeral Guide</a>. They will help you find a funeral director throughout Sussex including Brighton and Hove.\r\n<h2>Will I loose some of my pension?</h2>\r\nState pensions or any payments from the State Second Pension (S2P) scheme are never impacted by Bankruptcy proceedings.\r\n\r\nThe <strong><a href=\"http://www.opsi.gov.uk/ACTS/acts1999/90030--c.htm#11\" target=\"_blank\" rel=\"noopener\">Welfare Reform and Pensions Act 1999</a></strong> states that where a bankruptcy order was made on a bankruptcy petition which was presented on or after 29th May 2000, all pension schemes (Occupational or Private) which have been approved by HM Revenue and Customs do not form part of a bankrupt\'s estate and therefore cannot be claimed by the Trustee in bankruptcy. <strong>\r\nThis refers to the pension as an asset, not income from the pension. </strong>\r\n\r\n<strong>Approved pension schemes defined as: </strong>\r\n<ul>\r\n <li>Those registered under <strong><a href=\"http://www.opsi.gov.uk/ACTS/acts2004/40012--p.htm\" target=\"_blank\" rel=\"noopener\">section 153 of the Finance Act 2004</a> </strong>(meaning, schemes registered by HM Revenue and Customs plus annuity contracts used to secure benefits under a registered pension scheme which do not provide for immediate payment of benefits)</li>\r\n <li>Retirement annuity contracts.</li>\r\n <li>Those approved by the HM Revenue and Customs for tax purposes;</li>\r\n <li>Stakeholder pensions.</li>\r\n</ul>\r\n<em><a href=\"http://www.answerbag.co.uk/news/new-inflation-figures-mean-pensioners/\" target=\"_blank\" rel=\"noopener\">Click here</a> to find out what inflation is doing to pension prices.</em>\r\n\r\n<strong>Unapproved pension schemes</strong>\r\nUnapproved pension scheme can possibly be excluded from a bankruptcy estate by applying to court for an exclusion order or by making a qualifying agreement with the Official Receiver.\r\n\r\n<strong>Pensions included in a Bankruptcy estate.</strong>\r\nWhen a pension policy is included in a bankruptcy estate, the official receiver can claim the lump sum and the regular payments. This can also be after discharge from bankruptcy. It may be possible to buy back part or all of the pension policy at a later time.\r\n<h2>Income from Pensions during Bankruptcy</h2>\r\nIf you receive a regular income from a pension and/or a lump sum during bankruptcy, then this may be subject to an income payment order or income payment agreement.\r\n\r\nYou may apply to the court to for an <strong>exclusion order</strong> or make an <strong>qualifying agreement</strong> with the Trustee that this should be excluded. As in the case of unapproved pension schemes, your current and future needs and that of your family/dependents are considered.\r\n\r\nThe qualifying agreement can be revoked by the Trustee if you are found to fail to disclose relevant details that would have altered the decision made on the agreement.\r\n\r\n<a href=\"http://insolvency-service.co.uk/contact-us\">Please contact us for more advice</a>.\r\n\r\n<strong>You make apply to the court for an exclusion order:-</strong>\r\n<ul>\r\n <li>Within 13 weeks of the appointment of the Trustee\r\nOR</li>\r\n <li>within 30 day of the revoke of a qualifying agreement.</li>\r\n</ul>\r\n<div id=\"IVAadvice\">\r\n<h2><a href=\"http://insolvency-service.co.uk/iva-faq\">IVAs & Your Pension</a></h2>\r\nThe asset that is your personal pension is not at risk on an IVA. However, you may be required to reduce or suspend payments into it for the duration of the IVA with the intention of using this money towards the IVA.\r\n\r\nIncome received from either a state or other pension schemes are considered as income when calculating how much you can afford to pay into an IVA.\r\n\r\n<a href=\"http://insolvency-service.co.uk/cva\">A CVA is applied to companies</a>.\r\n\r\nIf you have made excessive contributes into a personal pension plan, just before applying for personal involvency, which is what an IVA is, then this may be considered to be an attempt to hide money from your creditors. In the case of bankruptcy, this transaction could be reversed by court order and the money taken to paid towards your debts. Your creditors would require the same in order to approve the IVA propsal, after all an IVA is intended to produce more for the creditors than bankruptcy.\r\n\r\n</div>','Pensions','','inherit','closed','closed','','224-revision-v1','','','2018-05-11 11:19:30','2018-05-11 10:19:30','',224,'http://insolvency-service.co.uk/224-revision-v1',0,'revision','',0),(440,2,'2018-05-21 10:26:58','2018-05-21 09:26:58','<h2>Bankruptcy, Pensions & Funeral Planning</h2>\r\n<h3><a href=\"/\"><img class=\"alignnone size-full wp-image-435\" src=\"http://insolvency-service.co.uk/wp-content/uploads/2017/08/family.jpg\" alt=\"Start planning your future today\" width=\"960\" height=\"640\" /></a>Start making the right investments</h3>\r\n<p class=\"summary\"><span class=\"nomargin\">In bankruptcy, you may lose some of your pension capital and have to make payments from pension income towards your debts. <a href=\"http://insolvency-service.co.uk/debt-management\">Manage your debts</a>.\r\n</span></p>\r\n<strong>There are four types of pension you may have already or could receive in the future:</strong>\r\n<ul>\r\n <li><strong>State Pension</strong></li>\r\n <li><strong>Occupational Pension </strong>- Contributions may have been made by the employer, the employee, or both.</li>\r\n <li><strong>Personal Pension</strong>.</li>\r\n <li><strong>Group Personal Pension</strong> - Payments are made to a pension provider, often on favourable terms negotiated by a employer/ trade association or union. In bankruptcy these are treated in the same way as other personal pensions.</li>\r\n</ul>\r\n<h2>Plan ahead of time</h2>\r\nWhen people retire, the last thing they want to think about is their funeral, but now is the perfect time to plan. No matter how far away you think you might be, there isn\'t a better time than the present.\r\n\r\nYou can pre-plan your funeral and tell your loved ones what you want and how you want to be remembered. Pre-planning can take the financial burden and emotional stress off of your family and can get the kind of funeral that you want.\r\n\r\n<em>You can pay for your funeral in full or with monthly instalments - choose a solution that best suits your needs.</em>\r\n\r\nFor help and advice regarding your funeral plans, <a href=\"https://www.funeralguide.co.uk/funeral-directors/east-sussex/brighton/\" target=\"_blank\" rel=\"noopener\">we recommend the Funeral Guide</a>. They will help you find a funeral director throughout Sussex including Brighton and Hove.\r\n<h2>Will I loose some of my pension?</h2>\r\nState pensions or any payments from the State Second Pension (S2P) scheme are never impacted by Bankruptcy proceedings.\r\n\r\nThe <strong><a href=\"http://www.opsi.gov.uk/ACTS/acts1999/90030--c.htm#11\" target=\"_blank\" rel=\"noopener\">Welfare Reform and Pensions Act 1999</a></strong> states that where a bankruptcy order was made on a bankruptcy petition which was presented on or after 29th May 2000, all pension schemes (Occupational or Private) which have been approved by HM Revenue and Customs do not form part of a bankrupt\'s estate and therefore cannot be claimed by the Trustee in bankruptcy. <strong>\r\nThis refers to the pension as an asset, not income from the pension. </strong>\r\n\r\n<strong>Approved pension schemes defined as: </strong>\r\n<ul>\r\n <li>Those registered under <strong><a href=\"http://www.opsi.gov.uk/ACTS/acts2004/40012--p.htm\" target=\"_blank\" rel=\"noopener\">section 153 of the Finance Act 2004</a> </strong>(meaning, schemes registered by HM Revenue and Customs plus annuity contracts used to secure benefits under a registered pension scheme which do not provide for immediate payment of benefits)</li>\r\n <li>Retirement annuity contracts.</li>\r\n <li>Those approved by the HM Revenue and Customs for tax purposes;</li>\r\n <li>Stakeholder pensions.</li>\r\n</ul>\r\n<em><a href=\"http://www.answerbag.co.uk/news/new-inflation-figures-mean-pensioners/\" target=\"_blank\" rel=\"noopener\">Click here</a> to find out what inflation is doing to pension prices.</em>\r\n\r\n<strong>Unapproved pension schemes</strong>\r\nUnapproved pension scheme can possibly be excluded from a bankruptcy estate by applying to court for an exclusion order or by making a qualifying agreement with the Official Receiver.\r\n\r\n<strong>Pensions included in a Bankruptcy estate.</strong>\r\nWhen a pension policy is included in a bankruptcy estate, the official receiver can claim the lump sum and the regular payments. This can also be after discharge from bankruptcy. It may be possible to buy back part or all of the pension policy at a later time.\r\n<h2>Income from Pensions during Bankruptcy</h2>\r\nIf you receive a regular income from a pension and/or a lump sum during bankruptcy, then this may be subject to an income payment order or income payment agreement.\r\n\r\nYou may apply to the court to for an <strong>exclusion order</strong> or make an <strong>qualifying agreement</strong> with the Trustee that this should be excluded. As in the case of unapproved pension schemes, your current and future needs and that of your family/dependents are considered.\r\n\r\nThe qualifying agreement can be revoked by the Trustee if you are found to fail to disclose relevant details that would have altered the decision made on the agreement.\r\n\r\n<a href=\"http://insolvency-service.co.uk/contact-us\">Please contact us for more advice</a>.\r\n\r\n<strong>You make apply to the court for an exclusion order:-</strong>\r\n<ul>\r\n <li>Within 13 weeks of the appointment of the Trustee\r\nOR</li>\r\n <li>within 30 day of the revoke of a qualifying agreement.</li>\r\n</ul>\r\n<div id=\"IVAadvice\">\r\n<h2><a href=\"http://insolvency-service.co.uk/iva-faq\">IVAs & Your Pension</a></h2>\r\nThe asset that is your personal pension is not at risk on an IVA. However, you may be required to reduce or suspend payments into it for the duration of the IVA with the intention of using this money towards the IVA.\r\n\r\nIncome received from either a state or other pension schemes are considered as income when calculating how much you can afford to pay into an IVA.\r\n\r\n<a href=\"http://insolvency-service.co.uk/cva\">A CVA is applied to companies</a>.\r\n\r\nIf you have made excessive contributes into a personal pension plan, just before applying for personal involvency, which is what an IVA is, then this may be considered to be an attempt to hide money from your creditors. In the case of bankruptcy, this transaction could be reversed by court order and the money taken to paid towards your debts. Your creditors would require the same in order to approve the IVA propsal, after all an IVA is intended to produce more for the creditors than bankruptcy.\r\n\r\n</div>','Pensions','','inherit','closed','closed','','224-revision-v1','','','2018-05-21 10:26:58','2018-05-21 09:26:58','',224,'http://insolvency-service.co.uk/224-revision-v1',0,'revision','',0);
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