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Debt advice needed - 60K

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Tomanydebts25
Tomanydebts25 Posts: 10 Forumite
in Debt-free wannabe challenges
Hi

I'm in need of some advice please. I currently owe around 60k worth of unsecured debts. Both loans and credit cards. All racked up through gambling, which I am now seeking help for.

Amazingly I have kept up to date with all payments until now. I can no longer keep up with working 12 hour shifts 6 days a week.

I have looked into several debt solutions and also contacted step change. A DMP would take too long to clear around 10 years. An IVA was reccomended to me (joint home owner) just under 2 years now. However I have read nothing but bad reviews on IVAs. Does anyone have any positive first hand experience?

Or what would my other options be?

Many thanks

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