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Advice Please - Thinking of IVA or Bankruptcy - am on DMP but struggling!

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I would be very grateful for any advice / input on my options to move forward with my debt.



I currently owe £50k to about 11 creditors.



I have been on a DMP for 3 years paying £140 a month.



I am self-employed,



I rent and now live by myself so am covering all bills etc.



I will be paying off debt until 2046 so



am thinking IVA or Bankruptcy may be better solution to enable me to move forward in my life within 10 years.


Many thanks in advance



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I see from previous threads you've CCA'd everyone

and they came back enforceable?



whos the DMP with?



have you looked at reclaiming PENALTY fees and PPI?

always best to do this FIRST before BK or IVA etc




please don't hit Quote...just type we know what we said earlier..


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.



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