i just picked a leaflet up from a charity called debt advice network, has anyone here dealt with them.

their words not mine regular advertisers in the tabloids,

an ad in one of the papers for debt management/iva's says that the creditors recieve tax benefits,so they are happy,is that true.

thanks for your help

i owe £20,000 on 4 cards my wife owes 5,000 on a c/c plus 4,000 on a bankloan in her name and 200on a store card in addition we have a 2,950over draft that we constantly exceed and dip into a 1,000reserve are iva's indivual or can we pool our debts and enter a joint aggrement.

hi,everyone this is my first step in tackling my debt problem ,i have been looking at some companies most of them seem to be call centres, when you started out dealing with your debt did you find dealing over the phone satisfactory, or did you prefer a face to face meeting, ilive in the northwest of...