Hi, Which company have you spoken to and why do you have a problem? We are here to help. Thanks for your help. I have gone with a local company, who seem fine. I just keep getting different information, which is confusing. Having never had to go down this route before I have to say it is terrifying...

rogwal wrote:

Why are you doing an IVA?

Hi. Due to HMRC. Feel like I am drowning in mud!

Hello, I don't know where to start, I'm currently seeking an IVA and a draft proposal has been prepared, I'm struggling emotionally to get my head round it and keep getting conflicting advice, how do I get through this?!