Its unlikely an IVA would be appropriate with £13k debt and 2 creditors.

Its more likely a debt management plan is appropriate. You should do some research and find a good provider, preferably a free one. Or you can deal with the debts yourself.

Luckily 13k of debt is less than many people who post on here but all debts are serious.

Just would like the answer to this question as im also struggling

would just like an answer to this question

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