I highly recommend anyone in financial difficulties with debt to contact Aperature IVA. They will look into and contact the organisations that you are struggling to pay and sort out a payment plan. It took me 7 years to pay my credit card debts which would have taken 30 years or more to continue to pay the credit card companies direct. (My debts were mainly due to the total greed of credit card interest rates which kept going up and up). Aperature give total peace of mind and take a huge weight off your shoulders. I have completed my payments and have learned NEVER to have another credit card again. The relief is indescribable.