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About to enter an iva

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Hi, I'm new to this forum, just to explain my situation, me and my husband have around £45,000 unsecured debt, we were struggling to make minimum payments so after discussion with citizens advice we have decided the IVA route is best way to go. We are waiting for IVA company to contact us.

What I'd like to know is does anyone have any tips on entering one of these, things we should include in budget, ways to make it easier. Etc etc.

Thanks in advance.

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