hello everyone, i just wondered - if your IVA has been accepted and agreed, do the creditors still send you letters asking for repayment and will they still keep on phoneing or will they just deal with the company that manages your IVA?
Thank you

Thank you so much by the very quick response from all...i thought it over and i decided to go ahead with the IVA ..i am 23 at the moment, by the time i am 29 it would be over...i did think about the bancrupcy option, and nearly got tempted by the fact that it will be quicker but i am kind of afraid ...

Hi, I am considering IVA as I cant manage to pay off all the cards and an unsecured loan.. my total debt is about £17000-£18000 , have no assets of value but i work for local government and earn about £1060 a month after tax. I have been paying all my cards on time till now but i am getting deeper a...