Thank you everyone, well it was 17 years of debt or 5 years with an IVA so I hear you loud and clear.

My partner and I start our IVA on the 01st January 2011. We both work full time and we are relieved to be accepted for an IVA. We hope that the 5 years passes quickly although I don't want to wish our lives away! For many reasons we ended up in debt. I just hope that this passes easily, we seem to ...