Welcome to Free Iva Advice
This site is for anyone thinking of doing an IVA or someone who may need to go bankrupt. Before you do this it will be a good idea to look at your outgoings and incomings and debt.have you done this.
You may be in a bad space right now and debt just seems to get worse and worse but dont worry it will be ok. Look at how many people you owe money too and write them all a letter saying you are in financial difficulty and offer then a small payment per month.
This will give you some time to sort things out. Dont run away from the problems Debt will not go away. Have a look at our articles on debt and Iva advive and help and get some good tips on what to do.