DEBT freedom...

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In todays modern market the IVA has become a very well sold item.... it is a great tool ....but so is a chisel, if used correctly.... be warned if you enter into an IVA there is little chance that you will have a social life for the next five years...also the impact it has upon your credit history is huge..almost as bad as bankruptcy...in fact...you are listed on the government website for insolvency along with the bankrupts...so think... then there is the cost...yes it is possible to write of the debt but the cost comes out of the monthly payment you make... this means that your creditors recieve even less that you think.... so ......check and make sure you understand.........ask loads of questions.....
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