Hi Everyone, Firstly can I thank you all for your replies, it has really helped to calm me down. You have all been a great help.[:D] I have since spoken to ClearDebt and they have been very helpful. I am being sent out a pack shortly and have been advised that I may be better off with a debt repayme...

Hi, Thank you Melanie and Size 5 for your replies, I have been looking at Cleardebts website and sounds good. But does anyone have any advise if they are the best people to go with? I have orginally been speaking to both Debt Free Direct (who I can see have a really bad rep on here) and Debt Advisor...

I am thinking of entering an IVA with my husband, however on working out our expediture am unsure if we would be able to cover the minium £200 per month repayment, I do not want to enter this lightly and so have looked at all options. An IVA appears the best but I am scared that we may not be able t...