Mr and Mrs R, Devon
Our total debts were £45,000 on credit cards and loans.
We owned a house but with very little equity in it. My husband
ran a business in town and did not want to go bankrupt.
An IVA was put in place and between us we repaid £300 per
month over five years. The IVA is now finished and all of the
debt has now been written off, interest free. It has completely
transformed out lives.

Mr C, North Devon
I had built up debts of over £100,000 from adding interest
onto interest and taking out new loans to keep up to date with
my payments. Eventually I could borrow no more and asked
the Citizens Advice Bureau for help who referred me to an
Insolvency Practitioner (David Kirk). He put an IVA in place
and now I repay just £500 per month over five years and all
the balance of over £70,000 has been written off.

Mrs W, Cornwall
I had built up debts of £20,000 over a number of
years but did not want to go bankrupt as I worked for
a local solicitor. A payment plan was put in place and I
repaid £200 per month over three years. All the debts
have now been written off. I can not believe I could
do this and it was completely legal.

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