Thanks i'm going to certainly download this tool also

My friend used cccs and said they took quiet long to put the proposal forward which is what put me off using them. Let me know how you get on.

well it really depends on the amount you owe vs the amount you can afford because if you can afford to pay it then the payment plan maybe better for you even though it isn't legally binding it has a lesser effect on your credit rating and with an iva you may find it will be easier to deal with your ...

well done i'm glad to see people managing to get out of the debt problem we have now so well done and you will be an inspiration to others.