I would like to share with you Just how I felt before entering into an IVA. I was in that much debt that I was so depressed and unhappy with my work and home life that I did not know were to turn. I joined a debt management plan and payed into this for couple years but still had this massive debt over my head. The best thing that I did was to enter into this IVA . This was truly the best thing that I could have done I payed into this arrangement for 6 years and now I'm finally free. Anyone thinking about an IVA , aperture have been honestly my ROCK for last 6 years and I can't thank aperture enough . From start to finish I've always found aperture to be very approachable, they listen and don't judge you, I have found the whole process from start to finish a good journey Experience and they always at the other end of phone if you need to have chat.