I was in such a bad place financially and didn't know where to turn. Then I finally got over the embarrassment of asking for help and got in touch with Arpeture. They took me through all my finances and set out a payment plan that I could afford. They dealt with all my creditors and the telephone calls and letters stopped. For me the best option was an IVA. I paid a set amount each month over 5 years which I can honestly say flew by. I'm now debt free and making a fresh start for me and my family. I would encourage anyone who finds themselves in the same situation as I did please reach out and contact Aperture. It will be the best decision you will ever make. I promise. Good luck.