i currently owe £13.000 and am paying £100pm for the next 14 years is this still the best way forward for me as both myself and my wife are not working due to disabilities

I was sold this as an IVA i didnt know anything about a DMP what is it??

hi the £35 i pay is there management fee for dealing with our creditors they say our plan will last for 14years 10 months can IVAs actually last that long??

Hi there i have been in an IVA with baines and ernst now for about 3 years and i was just wondering whether it wud be better to stay with them or transfer to another company as they charge us £35 a month and if we did swap IVA companys how easy would that be or how hard!!!