Ash, my marriage went south ( I fear in large part due to the constraints of the IVA, but the financial nightmares leading up to the IVA didn't help). But I am still thankful to be debt free --- a new life to start is far easier without financial woes.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
IVA's definitely are stressful at times, and can absolutly affect relationships as well as health.
I agree that their are lessons we learn from these challenging times, and as Foggy has said, this is your fresh start without the financial worries hanging over you.
Started IVA 27th Feb 2012 - Due to complete 27th Jan 2018 !!
Full & Final submitted and accepted 30th March 2015, paid 10th April 2015 - 3 yrs 1 month into IVA
Completion Certificate received- 30th April 2015!!