Hi there,

I was recommended by a good friend of mine to seek advice from this website. I stumbled upon this forum while I was researching the website and I wanted to get some advice from the forum members as I am currently in a pretty bad financial situation.

I have just successfully graduated from university and while I was living away from home, my spending habits got the better of me. At the moment, I owe money to 2 store cards, I'm nearly up to my limit on my credit card and I used to work part time but the outlet I used to work for has now closed own.

While reading through the site i read a little on individual voluntary agreements and in your opinion, will this be a good option for me as I have been seeing alot of these television adverts saying that debt consolidation is a very good way of clearing debts?

Thanks again

Max