Speaking from experience, when you are at that desperate time of knowing you need to do somethong about your debts you assume that the IP & co are doing what is right for you and you go along with it regardless because you aren't in the right mental state to weigh up the options - that's if you can ...

Hi Everyone! I've just found this site and the relief that others feel like I do is immense[:)] A year into my IVA and have been having very low times of despair and finding it hard to be positive.[:(] I live on my own and only two people know about my iva so I'm finding it tough and difficult to co...