Debt is very tricky. It functions like quicksand, the deeper you get the stronger it pulls you in and makes it even harder to get out of. An interesting analogy is described in the motto of cleardebt.co.uk. The site's claim that "Debt is a Monster. Tame it." demonstrates just how debt cannibalizes debtors and affects their lives. With that in mind it is understandable that the site goes out of its way to help people avoid bankruptcy. Clear Debt recommends using an IVA in certain situations as a means of avoiding bankruptcy and constructing a debt management plan they can live with. Death may be a monster but the good news is that with the right knowledge and help – it can be tamed.