An IVA is all about affordability and works on your disposable income after your priority bills have been paid.
I would also see advice from other companies as well as CCCS.
Visit www.iva.com for a list of companies and reviews. Give one or two a ring and you will receive free and impartial advice as to all the options open to you and the best way forward for your circumstances.
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
There are various solutions that could fit your needs. Take a look at www.iva.com where you will find a list of IVA providers and reviews on each. Give 2 or 3 a call for some free advice on what best suits your situation.
If you have any more questions, please don't hesitate to ask. Thats what we are here for.
Good luck.
welcome to the forum stewart
take the pros advice above and keep posting
everyone here is lovely and very caring and you will get lots of help and support from all of us x
we have found an IVA has been brilliant for us, given us life again... We spoke to a few but opted for Melanie.. there is alot to take advice from.. good luck x
That's about 10k less than we started at, and the IVA option is certainly working for us if that helps at all. As above, seek a range of advice direct from IP's and assess the best options for your circumstances.
If the job is a secure one, and you have a short probabtion period, there is no harm in looking into an IVA to see whether it could work for you. First steps will be to look at your income and work out what you need to retain for your usual household and general expenditure. If there is a surplus, before taking account of your current monthly repayments to creditors, then you may find that there are several debt solutions for you to consider - which an insolvency practitioner will be able to discuss with you in great detail.
