I recently got offered an IVA so started looking into it but every forum seems to have people with way more debt than me or struggling a lot more.
I have £5000 debt from just 1 creditor and I can keep up with paying interest comfortably but I'm not progressing anywhere with actually moving the debt itself. I'm torn between getting the IVA I've been offered to make sure I definitely start paying it off or just kind of sitting as I am and pushing for finances to improve in my job. If I can improve my finances I can probably get rid of it in less than the 6 years it stays on my record but if not then I'm just delaying the inevitable. I'm also concerned that I will have more trouble moving out of my parents house if I'm on an IVA than if I'm not.
Just wanted a few more opinions on whether it seems like a good idea or not
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