Hi Rosa, This is from personal experience;I'm not an xpert just someone who got into debt without trying. First you obviously seem worried about telling your partner. Do you have any loans or other debts which are in both names? All your debts would have to be declared so if you have any joint accou...

I arranged my IVA with help from CCCs. They outlined my options very clearly and then put me in touch with my IP(Grant Thornton). Never felt under any pressure to choose a particular scheme and thought CCCS advisor quite knowledgable and extremely helpful in preparing a budget. Possibly my only doub...