Our circumstances are better financially at the moment. We were locked into a mortgage before but have since manged to change lenders and get cheaper repayments. However, it is intrest only and fixed for another year, after that it returns to whatever. We also have a second charge and ccj on the pro...

We have been paying into a DMP for 3 years and the same company (Baines & Earnst) are now suggesting an IVA. Are they the best people to be arranging this?