Thank you all for the input. I made individual arrangements with my creditors a couple of years ago but £££'s get less and pressure increases, hence the IVA option. The thought of still paying for 10+ years is too much. One of my creditors contacted my employer previously. I understand this can be r...

I have just signed Step 1 with Payplan and am about to write to the creditors. I have had an individual arrangment with them all for a couple of years but can no longer afford the repayments. I am worried that one of them will contact my employer, as in the past. Fortunately I intercepted that lette...