At last, some peace of mind. Since getting in touch with insolvency experts I am able to sleep at night. No more worrying about how I'm going to pay my creditors. No more bouncing payments back and forth on credit cards and no worries about bailiffs knocking the door one day. I decided a IVA was my only option, They contacted all my creditors and were able to reduce my nearly £10,000 dept to one monthly payment of £90 over 5 years. Hallelujah!! I am over the moon. If your worried, like I was, give them a call. It was the best call I've made in years. It was daunting, but worth it!