In these hard times for so many with it being so hard to get back into work as a Brit while we remain in the EU, a friend in need is surely "a friend indeed". That is precisely what I found after contacting Quality Insolvency Services Ltd in Preston without having to leave my home in southern England. I found QIS staff to be extremely efficient, helpful and understanding both in advising me of my possible options in addressing my insolvency situation realistically and legally and in clearing up my confusions and not making any expensive mistakes. Communication proved to be unexpectedly swift and very simple for me without any need to use Royal Mail or leave my home to sort anything out. So after my reviewing the various options during my phone interview, their expert explained to me so clearly I decided, of my own free will and accord that rather than applying for another loan to pay off my credit card debts, nor going bankrupt, nor applying for debt management, in my specific situation applying for an IVA was best option for me. After I had made my decision they also did all the tedious work for me in communicating my financial documentation fully to the Insolvency Practitioner and saving me a lot of money to set up my IVA virtually hassle free and with minimal stress.