What debts do you have? All unsecured debts are included.
Speak to one or two companies for some free advice. Andy Davie/Vincent Bond will assist you and point you in the right direction if an IVA is the right option for you.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Options linked to any iva depends on individual circumstances and willingness of the person going into one to ask questions.
Unfortunately without knowing more about your circumstances it's very hard to work out what to advise.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.