Before my IVA I was so stressed out by debt - I'd amassed around £26,000 in total due to terrible personal management and some scary HMRC overpayments and was at a point where I'd lost my home and given away most of my possessions. I had a car full of unopened letters and bills and was anxious every time someone knocked on the door. Despite having a full time job I was still 4 grand in overdraft and the situation seemed impossible. I made the decision to do something about it and contacted Aperture who led me step by step without prejudice to start planning for managing my debts. From that moment on I had a five year plan, supported by them, and embarked on the IVA journey. Three years on I have now managed to control the debts, and been released from the IVA by way of transferring the remainder to their sister loan company. I now only have one loan to pay off in manageable installments and have learned to live free from any credit or overdrafts. I am able to earn what I like now without having to justify my income and expenditure and I've never been happier! It's a weight lifted. I now have another five year plan to save money, get fitter and live a healthy and debt free life. I can't recommend an IVA or Aperture enough and thank them for their consistent professional, non-judgmental approach to helping me