I have successfully completed my IVA this year through Freeman Jones & just want to say what a fantastic company they are. From the moment I hesitantly made that first phonecall in what seems like another life now I have received nothing short of outstanding, understanding, professional care. Every member of staff at every level has been excellent & I highly rate this company. My advice to anyone considering an IVA is to go with FJ- make it your priority to pay them each month above and beyond all else, be honest (if you get extra bonus, tell them, otherwise you just create problems for yourself), DO NOT even think about getting credit with anyone whilst in your IVA, and ignore all those PPI adverts. It takes effort & it is a long chunk of your life but there is definitely light at the end of the tunnel. Once again, I highly recommend FJ, they have been outstanding, and now I'm looking forward to a positive (debt-free) future, largely thanks to them.