well i offered my creditors 75% money to pay off debts after 10 years trying and 2 refused saying they want it all and was quite rude,they other 2 creditors accepted thiers,so i will keep ploding on
Both positive and negative - are you going to send the other 2 the 75% anyway just to help clear down the balance?
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.