It is not an easy path, but, with the right help and the right attitude it is definitely do-able. I am 5 years out the other side and still debt free and even have a modest amount saved for that rainy day
You are not alone --- we are all here with you.
It's just me, so I don't know how things will be in your situation, bring in a couple, but I have found my stress levels have changed dramatically, in fact my blood pressure is now normal at the doctors, when previously it was always high over the last few years. I do still worry about something happening with my pet and needing urgent vets treatment (although she's insured, often treatment is same as excess so not worth claiming) I am looking forwards to Feb and March and being able to save my council tax, usually I would have spent it, but the extra will be a nice cushion.
Remember we are here, we don't know everything but between us we can give good and sound advise, a little bit of comfort when needed, no booze though!
You will find out what option is best for you and, if it is an IVA, whether the IP thinks it is a viable solution.
This should be the first step to sorting out your finances and hopefully starting a clean slate, one way or another.
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