I was having difficulty with my debts which are around £12K.
I am on benefit, and so I foned up Debt Free Direct to see what they could do.
I am very upset that all they could offer me was an IVA - 7 years paying £130 a month.
Naturally I had to sign up because I was getting constant harassment of one of my creditors Halifax who kept foning me up every day demanding money I didn't have.
I am now wondering if the IVA really was the right solution; they didnt offer me a Debt Relief Order which is what I would have prefered.
Is there anything I can do besides letting the