Hi Everyone, Myself and my husband have debts of around £42000, we entered into a debt managment plan with a company in Nov 09, we paid into the DMP £650 every month and it was a struggle getting the creditors to freeze interest. It just wasnt working out for us, we paid in over £6000 and the debt has been reduced by £400!!! We could cry! It will take approx 100 years to clear. We have now gone down the IVA route which is being put together as we speak, we understand in 5 years we will be debt free which can't come soon enough, but now my parents have come forward and offered to give us £15000 to clear the debt off with a full and final settlement, both myself and my husband are working. I am just not sure how we would go about this? Would the creditors be likely to accept this offer, would it be a good idea to get our IP to negotiate on our behalf or do it ourselves? Anybodys thoughts on this would be greatly appreciated we just don't know what to do for the best. I look forward to your replies Claire