I'd been trying to get control of my deteriorating financial situation for several months using a debt charity, but they eventually said my case, involving personal and company debts, was too complicated for them to be able to help me. They put me in touch with Aperture (Grant Thornton at that time) and I arranged a meeting with an advisor. As well as helping me to compile the relevant information required to negotiate an IVA, the Aperture staff I dealt with throughout the process were very supportive and their attitude helped me to overcome much of the stigma I was feeling about my situation. I'm just approaching the halfway point on my IVA and while money is tight, I am much less stressed about my finances. The prospect of completing the IVA and becoming debt-free is the proverbial 'light at the end of the tunnel'. I'm not sure what would have eventually happened if Aperture (Grant Thornton) hadn't helped me, so if you're in a poor financial situation, no matter how complicated they might appear, I'd recommend their services.