Hey, just browsing through some of the posts having not been on here recently, and yours struck a chord with me, as those are the exact same emotions I went through when I first tried to pluck up the nerve to make that all important first call. I had been juggling between credit cards for years, slowly but surely sinking deeper and deeper into debt, because although I earned decent money, as soon as all my loands and credit cards were paid I had no money left, so had to use the cards to survive, so it was a viscious circle. I had never missed a payment on anything up to that point, but then one month came where I had nowhere left to turn - no unused balances to switch a debt to to avoid making a payment, and not enough headroom left of my overdraft to make the minimum payments on some of the cards, so I had no choice but to face up to the mess I had got myself in to. I wrote all the debts down, and it shocked me how much they amounted to, and I realised then that I had no hope of ever being able to pay them off, so I looked around this site for a bit, as you have done, and then made the all important first call to the company that would eventually change my life. Talking to a complete stranger about your debt situation is very difficult, but my IP did not judge me in the slightest, and the whole process from start to finish was very straightforward. It would be wrong of me to say it is not without worry, because it is, especially when it gets to the creditors meeting to vote on your IVA approval, but its all worth it in the end. I completed my IVA earlier this year, and it feels like I have had a ten ton weight lifted from around my neck such is the relief, so please dont sit and worry yourself sick over your situation - pick up the phone and make the call, I promise you, you wont regret it. Good luck!
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