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Has anyone any recommemdations for an IVA?

We are in debt and need to get our creditors to come to an agreement re outstanding debts. The CCCS website has been great, but I don't know where to start re finding somebody to help us arrange affordable repayments...

Many thanks

Comments

  • CLAPTON
    CLAPTON Posts: 41,865 Forumite
    10,000 Posts Combo Breaker
    speak to CCCS or Payplan ..they will offer advice and if appropriate they will recommend the appropriate methods, DMP, IVA, Bankrupcy

    and/or you can post your details here and people here will be able to advise.

    see here for details.
    http://forums.moneysavingexpert.com/showthread.html?t=107280
  • Thanks - the thing is, I have done the CCCS bit, filled it in, phoned up and activated my account etc. It tells us we cannot afford our outgoings, but there is no advice on how to set up an IVA? Am I missing something?
  • CLAPTON
    CLAPTON Posts: 41,865 Forumite
    10,000 Posts Combo Breaker
    post an SOA and we will be able to help
  • Actually I was being really daft. I had let them fill in the monthly expenditure bit and it left us with nothing to pay our creditors. Now I have tweaked it they haev offered us a DMP which I have accepted.

    Does anyone know if we proceed but find ourselves in a better postion, can we just pay it off early?
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