I have been contacted through an email about an iva which can help clear my debt I have had conversations with somebody who was very thorough in explaining and seems legitimate we've come to an agreement I can be helped should everything be in order done income and expenditure etc but after speaking to a few people they said to look into it more how can i find out if this is a scam
Firstly I would not deal with a company that cold called me - can you tell us which one it is?
There are a lot of companies you can try who post on here. Vincent Bond (details under the ask experts a question on the left hand side of the page) can be contacted for some free advice.
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
Which company are you talking to ? Personally I wouldn't go with a firm who contacted me out of the blue and I would, in any case, advise you to chat to more than one company ( of your choosing) to compare advice. I am afraid they do not all work in the same way, as you will see by having a good look around the forum.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014