You can do an IVA as a one off payment, it costs nothing to look at your options. At the end of the day its up to you. I felt that I needed to make my own decision and wasnt going to be pushed into anything. There is nothing wrong with looking at everything first and then making an informed choice, which I did in the end. You have time to do this.
Give an IP a ring - the advice is free and they will be able to help you sort out the best option for you.
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
Speak to an IP (visit www.iva.com) and give them all the facts exactly what you owe, your income etc. They will give you the most appropriate advice relating to your circumstances. Good luck.
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
