Have you got another opinion? Like anything, I think it's good to speak to a couple of companies. I would recommend Melanie Giles if you want to check the advice you've been given so far, as they've been really good so far in my journey.
Always a good idea to chat to a couple of companies to get a feel for how they work and compare advice. You can find a list over at www.iva.com all the advice free and without obligation at this stage.
An IVA is a five or six year, fairly financially intimate, relationship, so it's best to find someone you are comfortable working with.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
