Before contacting UK Debt my finances were out of control. I owed thousands of pounds across various credit and store cards and I was starting to lose track of who I owed and how much I owed them. When I started to miss payments I knew I had to do something about it. After speaking to UK Debt and learning about the pros and cons of each debt solution, I made the decision to enter into an IVA.

I am now making a monthly contribution to my debt that I can manage and I don't have to worry about forgetting to pay a creditor or mounting interest charges increasing the level of my total debt. For the first time in a long time I feel as though I am back in control.

From the very first phone call to UK Debt I felt confident in their ability to help me solve my long-standing debt problem. The size of my debt meant that bankruptcy was the only real option open to me. I had heard a lot of worrying things about bankruptcy and I was concerned about what this would mean for my future. However, my adviser explained the process in full and made sure I understood exactly what it entailed.

One year on I am now discharged from bankruptcy, and although there are still some restrictions on what I can do, I can honestly say that it was the best decision I could have made for my situation.