My IVA arranged by Creditfix has been running a year and has turned my life around. I was on antidepressants following a relationship breakdown and the financial situation and accommodation it had left me in meant that I was close to suicide because I could not face my future. The IVA literally saved my life. My finances are still tight because after 7 years on the waiting list, and with the intervention of my GP because of my on-going Depression, I was recently offered a housing association flat, which of course entails additional expenses. I would recommend an IVA through Creditfix to anyone in a similar financial situation.