But you could make a start here to consider which options best apply to you in your circumstances:
A lot will depend on your level of debt v your income and what you have left over at the end of the month.
An IVA is at least a 5 year commitment and what you pay can go up.
There are fewer companies offering debt management plans but look and see if a Debt Relief Order is possible.
As Lisa says though - a lot more information is needed and will be needed by anyone you go to.
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