Like so many people today a few years ago I found myself in huge debt. The creditors were constantly calling me. My charge cards were maxed out and I could barely pay my mortgage. I saw a credit consultant and the first thing she cut out of my budget was all my tobacco money.

You do not think about it when you are buying a pack or two at a time but it adds up quick. I surprised me greatly when I found out just how much I was spending. I was so socked when my consultant suggested I file for bankruptcy and stay on my tight budget we planned.

Luckily I went home and researched my options. I researched government and creditor programs and found nothing that would work with me. Finally, I searched what is an IVA? and found all the answers I was looking for. In just a few clicks I was able to get myself back on track financially.