Like most people in IVA's I became a slave to credit! 4 credit cards, overdraft and a large loan.By the end I was paying 900 pounds a month on debt repayments most of that being interest.I had to do something as my financial situation was constantly getting me down.I friend recommended an IVA and th...

My IVA was 6 years but that debt free feeling at the end is well worth it!The alternative was terrifying and I no longer worry about my finances on a daily basis.Stay strong and there is light at the end of the tunnel.!!.

It's a great feeling and just to give you an idea my IVA was concluded in November last year. My final payment was made the previous July and I came off the insolvency register in February this year.!. Completion certificate took four months and then three months to come off the insolvency register....