Great, thanks for all of your advice Andy. I am pretty satisfied that this paticular company are doing all they can to help me, so im going to go with this one. They have said that as soon as I sign the forms and send them back with all of the relevant paperwork, I can stop paying my creditors. Now,...

Ok, I have now spoken to 3 different companies. On my 40K debts, one company has said £407 a month repayment, one said £430 and one said £450. The first company seemed to be the most helpful, despite that being the lesser repayments. I must have been on the phone to them for 45 mins last night, wher...

Found an IVA Provider in Liverpool. Just enquired about this one also.

http://www.ivaliverpool.co.uk/

Thanks Andy. Im just not sure about this whole thing. For starters, I dont see what the IVA provider is getting out of this, and also, why they are so keen to help. I spoke with a lody from this company last night, and they took note of all my debts, and said they would look for an IVA of £407.00 pe...

www.trapped.co.uk

I am very nervous about starting this. Do you guys think the above look ok to go with?

Any help is greatly appreciated.

Thanks for the advice guys.

What is the best way to kick off an IVA then? DO I approach debt management companies?

Cheers

It says above that you will not be pursued by creditors whilst you are under an IVA, then in the "Hidden Problems" Section, it says that you can be pursued?

Thanks