Some daft person has told my brother that an IVA is a bad thing to have as it's one step away from bankruptcy!!! So this has thrown him back as he believes them - and not his family. Thank you all for your replies. I'm going to print off everything today and show him he's wrong, the IVA will help an...

Thank you both for your help and advise. I will print off some of the success stories and show him. It's got to the point where I dread his messages as I know it'll involve money. If he can push himself to get help it'll be a massive weight of my mind my sisters and especially my our mum.... Thanks ...

Hi My brother is in a lot of debt and I really want him to apply for an IVA. He says he has - but he's lied so many times over the last 10 years I don't believe him. I fear he is ill and addicted to debt. Is there anyway I can get an IVA FOR him? I really want to help him but he just lies and thinks...