So here I stand before you today, conflicted. I could take the safe route and give you a presentation that was full of puff and fill or I can be totally honest about the insolvency landscape from my vantage point as the leader of a global social enterprise that assists consumers. I've decided that

The Myvesta Foundation is a US based think tank of sorts that creates and guides assistance programs in the US, UK, and Netherlands. Because of that perch I am fortunate enough to see how consumers in debt are treated differently in different parts of the world.

The common factor that each part of the world that we operate in has is that nobody does a really good job of allowing consumers to do what they want to do, repay debt.