In 2007, over forty-two thousand people entered into Individual Voluntary Arrangements. 'IVA.co.uk: Real Life IVA Stories' takes the reader through the entire IVA process step-by-step, from finding the origins of the debt problem and talking to friends and family, to seeking professional advice and seeing through five years of budgeting.

At each stage, Andy Davie tells his own story alongside firsthand accounts from others and expert advice from professionals. Every element is dealt with thoroughly with each topic explained in layman’s terms and rounded off with a look into real cases with comments, anecdotes and practical advice from debtors, insolvency practitioners and other financial experts.