stepchangereviews

  I put myself into a lot of debt and became ill from stress. Stepchangereviews helped me feel completely at ease." "Getting help sooner would have relieved a lot of the pressure I was under and reduced the amount of stress I was experiencing." "It would have altered my life if I had learned about StepChange sooner." Is it possible for Step Change to negotiate an IVA on my behalf? What proportion of the total should I give as a final settlement? It depends on your financial situation, but as a full and final settlement, you should offer equal sums to each creditor. If the lump sum you have represents 75% of your overall debt, you should offer each creditor 75% of the amount you owe them. Yes, Step Change has a strong track record of acquiring IVA for their clients. Indeed, a 98 percent success rate is claimed. This is high not only due to their good work, but also because they only provide this debt solution when it is appropriate for debtors and their