i had got myself in a right pickle with my finances and things were getting out of control, i had been thinking about doing an iva for a few years but kept putting it to the back of my mind and telling myself things will get better, but they didnt. i was having to borrow more and more and getting more and more into debt. bills were piling up, debt collectors started turning up so enough was enough i reach for the phone and made that call. the people i have had dealing with me have been so wonderful and not judgmental, really understanding and made me feel at ease and have been very helpful. for the first time in years i feel like i can breathe and have been managing to sleep at night without worry. i feel like i am in control of my finances again.