Debts can drag you down as they cause worry and stress. They can also cause family breakups and there is always some stigma attached, despite the fact there are thousands of people in the UK who are in debt. If you have unsecured debts, owe money to at least 3 different creditors and you owe over 15,000, you could consider an IVA as a way to repay what you owe and finally become debt free. When considering taking this option to write debt off you would be better off taking the advice of a debt specialist team.

You could apply online for iva help and talk your debts problem over with someone who knows all about debt and in particular an IVA.
If you decide this is the most suitable option for your needs your advisor would be able to talk with those you owe money to and if they agree to the IVA, you would pay one sum of money each month to the advisor who would spread it out among your creditors. By the time the term of the IVA agreement had been reached you would be debt free and with further advice you may be able to remain debt free.