Thanks for all your replies. After speaking to numerous companies they have advised against an IVA. I've managed to set up a financial management plan with a really helpful, supportive company. I know it's hard to see something through like this alone but I'm prepared for it. I too have parents who ...

I have money left at the end of the month and earn a good wage. If everything is put together then could afford the repayment but the interest is crippling me. I don't want to tell my partner as it isn't an issue between us, I'm also worried that he'll tell my family thinking it's the best thing to ...

I'm £27k in debt. I contacted MoneyExpert to see about a consolidation loan but they say that a loan of this amount would not be approved. They spoke of IVA's saying that it will effect, but not destroy, my credit rating and get me debt free in 5 years. I only managing the minimum payment leaving me...