Hi Gill, you need to speak with a few companies to get a feel for who you think you can gel with, have a look at www.iva.com for reviews of different companies and give a couple a ring
Visit the link posted above and speak to one or two companies. You can go directly to an IP rather than a debt management company.
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
Choose a firm thats fair and listens to your situation.
DO NOT PAY ANY UPFRONT FEES!
Any decent firm wont ask for money you can't afford. Start by getting your I&E together. Thats a list of what you have as INCOME and also list all your EXPENSES on a monthly basis. The SURPLUS is thee likely amount your IP will ask for as a monthly contribution. Ensure that you are HAPPY that you can maintain the payment and that it is achievable.
Visit the link posted above or click on the 'Ask a Question' link on the left hand side of the page and speak to any of the experts that post on here.
They come highly recommended.
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
