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My wife and I have been in our IVA for 14 months now, and we have noticed a difference in our finances, things are not as tight anymore. I am so grateful for the support ClearStart provided in regard to dealing with our creditors and they really do offer a 1st class service.
The majority of our debt came about from home improvements. Then things changed, I had my hours reduced at work which led to us having a reduced household income. Now we are in Debt Management Plan with ClearStart which is a huge relief to us financially and we are now budgeting and managing our finances a lot better.
My finances are now sorted and I can only spend what I have and I watch every penny. I have peace of mind that my finances are being managed by professionals and I feel a lot happier. The service is excellent, goodness knows where I would be now if I didn't get the help I needed.
I feel I can see some light at the end of the tunnel. Things are beginning to pick up and although there is still some way to go, I think I can manage to complete the IVA; thus avoiding bankruptcy and, further humiliation.