You need to speak to one or two companies and explain your circumstances and they will tell you whether or not an IVA is the right option for you.
Speak to Vincent Bond (details under ask experts a question link on the left hand side of the page) 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
There are some useful fact sheets under the links to the right of the screen. I would also recommend chatting to a few companies to get a feel for the subject and visit their websites. A good look around the forum will also tell you which firms we, as users, are happy or not so happy with and the subjects which vex us.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Citizens advice do tend to point you in the direction of one company so it's good to speak to more than one.
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
