We completed our IVA 6 years ago and I haven't visited this site much in the last two years. I want to say to all of you out there who are still on the journey to stick with it. I know there are times when it's really hard such as family events, car breakdowns and your home gets shabbier and shabbier but when you finish, your whole life will change for the better. The knowledge you gain by going through an IVA is invaluable and this site will keep you going too. I would like to thank contributors like Foggy and the professionals on here for their support and sound advice over the last two years of our IVA (unfortunately I didn't find this forum until then) So keep strong and it will pass. Good luck!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk