I had a failed IVA with a well known company. I thought it was all lost and over when it failed due to the high monthly amount I was unable to repay them. I was put in touch with Aperture and immediately they put my mind at rest .. I was being threatened with losing my home. Aperture got things moving real quick and with regular updates they kept me informed all the way. My IVA was accepted and is now in its third year without any issues. I would not hesitate in recommending Aperture to anyone I know.. do not bury your head in the sand or lay awake night after night worrying, contact them and see what they can do for you.