Me and my husband are with a debt management company called Harrington Brooks and pay £100 a month for them to share between all our creditors. We are about £20,000 in debt. Today they phoned up and asked if we're interested in an IVA arrangement. I'm not sure whether to do this through Harrington Brooks or through each individual creditor. What is your advice? They said we would need to pay them about £140 a month.
