A good IP will listen to your specific needs and help you to work out a budget which meets these needs and that you feel you can afford. Anything less than this is simply not good enough, and extremely unfair to you and your creditors who will trust the figures being put forward as being properly verified.
Thanks for your post, it is reassuring to have posts from an IP's prospective but you do seem to be a lot more balanced than other companies, obviously in my experience Payplan. Do you feel that you are constantly battling the case for IVA?
I currently can only see a benefit for IVA if you have assets but every company I have spoken to has recommended it to me and I have nothing but a huge pile of debt to my name.
There are many benefits of an IVA, and also some disadvantages too - but the key thing remember is that we do not operate a one-size fits all- and that the perceptiom of what is an advantage and a disadvantage will be different for each person.
If you have lost confidence in your own IVA, and feel that perhaps bankruptcy is a better option, it may be time to give this some serious thought.
The lack of response is pushing me more and more into looking at BR but I want them to give me something that will stop me doing so and so far nothing.
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