I've via email/text

jwmc77

Does anyone know of any companies that you can deal with via email or text for an iva? I'm not great on the phone so doing it this way would be a weight off with my anxiety

mwarby

Most of my IVA was done by post and email, but I’d think there would need to be a least one phone call 

Are you sure an IVA is the best option ? If you don’t own your own home it’s probably not

mwarby

Just to add each year you’ll have a review, this might entail a phone call

Reading your other posts the only concern would seem to be the car and the bankruptcy fee. Unless there anything else I really don’t see why an IVA is a good option for you

An IVA can fail, it generally lasts for 5-6 years instead of 3. It’s generally only worth while if your career would be adverse affected or you own your own home

jwmc77

It might sound stupid but it genuinely is all about the car, more to do with the fact i don't want people to know I've gone be again.

mwarby

It’s possible for someone else to buy out the ORs interest in the car (for its value less £1000), assuming your allowed a car at all