edited 5 October 2022 at 12:36PM in Debt-free wannabe
15 replies 522 views
I have talked to Payplan and Stepchange and am now more confused and stressed than ever. Stepchange tell me to do a DMP and Payplan tell me to do an IVA. I cannot and will not release equity on the house this is not an option. I find an IVA scary as it's such a formal thing. I really don't know which way to go.
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