Thanks for your replies. I think I am going to go with Accuma. It has been recommended via this site. I will let people know how I get on.

Hi

Can anyone give me their stories of when they successfully completed an IVA. I am hoping to undertake one and feel quite depressed about the horror stories. Please if anyone has successfully completed it let me know. Give me hope!!!!!!!

My husband and I are thinking of entering an IVA but my husband is in the Navy and I am a nurse in the NHS, will this affect our jobs? Secondly what are the chances of losing our home which has about £1000 equity, not even that probably? We are both quite well paid but we have over committed on cred...