Having financial difficulties is nothing to be ashamed of and to have an organisation out there that not only understands this but also actually cares and does all it can to make the process of operating an IVA as smooth and as stress free as possible is something that really does shine a light at the end of the tunnel. From the first contact to my last stage of the plan i cannot recommend these guys highly enough. They have worked with me rather than just being behind the scenes and have ALWAYS been there to assist, guide and advise. I have found the whole IVA process with Aperture a calm, managed and friendly process. If you are thinking about an IVA talk to Aperture first - they really will help you!!!!!!!!!!