Having found myself in dire straights I contacted Cleardebt (now Aperture) and this proved to be one of the best decisions I have made. My situation was assessed and I was told that an IVA would be the best option for me. An affordable payment was calculated based on my salary/outgoings to be paid over 5 years. This time has passed quickly and I found the company to be professional, quick to respond to any issues and not in your face so I didn't feel pressurised or stressed during this time. I just had to provide salary and bill details once a year. I would definitely recommend Aperture for an IVA if you have found yourself in financial difficulties and don't know where to turn. They helped me keep my head above water and more importantly I was able to stay in my home. Thank you