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Hi, I currently have debt of around £20k due to some bad decisions during end of marriage. Recently the monthly repayments are around £550. On top of rent it is becoming unmanageable, I recently went on to step change as am struggling to sleep because of it, First recommendation was IVA, am wondering if this is sensible as it sounds really severe. I thought about consolidation to have it all under one umbrella and one monthly payment. Hoping someone can help me please
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