Hi,
I was in a bad situation nearly 2 years ago,
I had loads of debts and probably racked up about 18-20k,
didn’t know where to turn too
I ended up going down the Iva route etc and I am now in a protected trust deed for 2 years with 2 more to go and it has reduced my monthly bills by a big margin
my repayments to them aren’t extreme
I still have enough money left over each month,
after the 4 years are over then the rest of the debt gets cleared but will wait till the deadline and see what happens from there,
I know it’s not the best option to choose but I live in rented accommodation so I have no issues of anything being taken away etc and have never had anyone come to my door etc, hopefully you find a solution and things start getting easier for you x