Welcome ... there are a number of debt solutions to consider and for that low level of debt an iva is probably not the right solution. Take some professional advice and consider options such as debt relief order, debt management plan etc. There is an answer for you!
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
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
To be honest an IVA is an awfully big sledgehammer to crack a £3k nut ? I would suggest a chat with a couple of firms to see what they advise, taking into account all of your circumstances.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
How many creditors do you have? Ask if you can pay the minimum payments and freeze and interest while you get back on your feet. Consider a DMP or DRO.
