On advise from my local CAB it was suggested i might me acceptable for an IVA to help pay off my credit cards/bank loans. They put me in touch with Aperture and from the first meeting they treated me with utmost respect and understanding and explained the whole process in terms which were easy to understand.They kept in constant touch arranging creditors meeting which i did not have to attend as they arranged everything.Once creditors agreed the terms Aperture were in touch directly after creditors meeting to inform me everything had been accepted.This was indeed a great relieve.I am now contacted by Aperture annually for a review of my finances. Thanks to Aperture It is a great to be able to get on with life without the worry of my creditors contacting me.I know i can always call them or e.mail them if i need to.