Hi Alan

The IVA was the only solution for me at the time, it wasn't easy, but knowing i didn't have the dreaded "red letters" and harrasment from my creditors made it a lot easier to cope with. I would suggest if you have to go into an IVA, then do it!

Good luck![:)]

can i pay off an IVA? my family are giving me some money to pay it off, i only have 1 year left to go. would i need to negotiate a "settlement" figure or will i have to pay everything outstanding?