l have got my self in debt l dont work cant get a job, but have 3 credit cards, with over 4 thousand on each, and sererval cataloges. also 2 loans. l`m not sure what to do l`ll never pay it all off, but l dont wanna go bankrupt, l live in a rented house, and have nothing of any vaule, its just me and my 2 boys age 11 and 6. l dont wanna go to court either, anyone have any experirence of this? how does an iva work? could that be the answer.
please help.
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