High debt - IVA or DMP?

DeterminedMama1029

Just wanted to jump on and say well done for acknowledging everything and taking action. I am in a similar position to you and just about to start my journey with a similar amount of debt to you. I’ll be going down the self managed DMP route and am scared witless but know that it’s the only thing left for me. Am new on here but hoping to start my own thread as soon as I can for advice and support. Will be keen to follow your story. Good luck with it all. 

fatbelly

I recently posted about the options for dealing with a car on hp here

https://forums.moneysavingexpert.com/discussion/6608997/unable-to-pay-back-debt/p2

It is an expensive way into car ownership