You need to speak to one or two companies for some free advice, such as Vincent Bond or CAB.
How much is your debt?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
We can give you a brief outline, subject to you telling us your circumstances, but, it would be better to have a chat with a couple of firms, as they do operate slightly differently .
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
We can only give general advice on the forum so the OP needs to speak to a company with all of the details either face to face or over the phone.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
