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When a person or organisation cannot discharge their financial obligations within a reasonable time of them falling due, and where total liabilities exceed total assets, they are deemed to be insolvent. It is possible to get Insolvency assistance before these types of issue become too great, otherwise the final option is to be declared bankrupt.
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.