Due to unforeseen circumstances it became increasingly difficult to meet the monthly payments for debt I had accumulated. After speaking to the companies I owed money to, to reduce the payments, I still found I was unable to make ends meet and found my situation extremely stressful as, after paying rent, household bills etc, I would pay what I could off my debt before even buying food. On the advice of a friend who had just recently contacted Aperature about an IVA I contacted them and commenced the process of an IVA for myself. The staff were more than helpful, the process made clear and was one of the best decision I made in my life. You do have to be committed to the process and genuinely want to pay what you can off your debt, be totally honest about your debt, your income and expenditure and the monthly payment calculation was affordable and fair. I would also advise keeping in touch with them should your circumstances change again, as it did for me, resulting in the IVA being extended for a further year. After 6 years I have now completed my IVA and, apart from relieving the stress, had I not entered into the IVA I would be nowhere near being debt free for many more years to come.