I am just entering my third year of my IVA and the last two years have been the calmest I have felt in a very long time. The decision to enter into an IVA is very frightening and feels like one of the biggest decisions you will ever make, my experience of Aperture was that from the very first phone call they were helpful, supportive and friendly. I was so concerned about my life being 'taken over' but this hasn't been the case at all. What the IVA and Aperture have done is to give me peace of mind and somewhere I can go to for help and advice. The process seems daunting at first and gathering the information to send them seems massive but all you need to do is send them everything related to your debts and they will collate it all and make sense of it for you. Once it is set up you just do an annual review of your income and expenditure and send this to them. The review is not onerous but will enable you to know that you are on track and another year has passed. My only advice to someone thinking of entering into an IVA with Aperture is not to be afraid to ask, don't sit on concerns and worries because they become bigger in your mind, a phone call to them will quickly answer your question and allay your fears. For anyone struggling with debt I would recommend Aperture without hesitation, very quickly you realise that you don't have to be afraid of the phone ringing or the post coming anymore, your debtors will liaise entirely with Aperture and will not ever contact you directly. The peace of mind and knowing that there is an end in sight is worth so much for your ongoing peace of mind.