Response to Has anyone used the Insolvency Helpline?

I actually spoke to Ian Richards at Insolvency Helpline. They are very helpful and calm you down. I got myself into an horrendous mess with debt. They put you in touch with an Insolvency Practitioner who then ask for all details of your debt. You come to an affordable arrangement and you then enter into an IVA for 5 years or so. I'm half way through mine and know that after 5 years, it's done and dusted. I know my credit rating has been affected but that is a good thing to keep me on the straight and narrow. Perhaps a year after the IVA has finished, my credit rating will gradually repair itself. For me, it was the best thing I ever did

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