I was in a situation were i was dreading the mail and hated phone calls, I had run up debts and was depressed I dreaded getting up, I was borrowing more and more and couldn't see light at the end of the tunnel. I became unemployed for a short period and finally to the steps to try Nd sort the debt situation out.I spoke to money bubble who started the process of gathering all my debts and with there help contacted all the debtors ,we sorted a plan once I was back in work, The IVA then took over and within a couple of weeks had contacted and agreed with all debtors a payment plan that would mean that in 6 years I would be debt free and no more dreading mail or phone calls.I STARTED TO LIVE AGAIN. The people were so helpful non judgement and got me to a better place, they took me through the process with understanding and clear guidelines, my debtors don't call anymore and the IVA people keep in touch, it works and I can't thank them enough