Hi, Just after a bit of info or advice really. I am in 15k worth of debt with credit cards and loans. I am applying for an IVA with http://www.moneysolve.co.uk/. Has anyone used them? Good? Bad? I need to check if an IVA is needed so I am looking for some expert debt advice, maybe I just need debt management? Ideally I would like to get info from a number of companies to check the consistency of their advice so any recommendations would be great. Thanks in advance