I am not sure which debt solution is best for me, I have entered my information on several websites. They have shown me that IVA and debt management are the best options in my case but I can’t decide what I want to do.
If I do an IVA how long do I have a bad credit rating for? Also, I would like to buy a house in the next 4-5 years will this be effected by any of the two debt procedures? Please can someone advise me on what I should do. Thanks