Due to changing financial circumstances influenced by personal issues, my finances were unmanageable, at 65 plus I knew had to get this under control; as I was running out of working years. I am lucky in that I have very good health, a state pension, and a p/t job. It felt a bit scary having to admit my dilemma, who would know, what would they think, would I become bankrupt? With the excellent advice from Amin of Faith Solutions, who took me through the process, totally non judgemental, guiding , totally professional, I find myself with an IVA with affordable payments, no more hassle from debtors, enough to live on and cover all expenditure year by year. If circumstances change it can be reviewed, with a personal supervisor. I feel so in control now, my anxiety levels have diminished. Amin was very accessible to discuss any concerns I had, he reassured me each time. For anyone reading this whether you are 18 -75 yrs and in similar circumstances, if you can be true to yourself, totally honest and open with your situation, then take the 'bull by the horns now' and talk to Faith Solutions, you will have a much brighter future, you will never regret it.. Thank you especially to Amin, and Faith Solutions as a company. A.S Cheltenham Gloucestershire