I FOUND A NUMBER THAT WORKS FOR THEM, CALLED THEM, AND THEY ARE GIVING ME A REFUND FOR THE AMMOUNT PAID TO THEM.

BUT I STILL DON'T KNOW THE BEST CORSE OF ACTION WITH THE REMAINING DEBTS AS I DONT HAVE MUCH MONEY LEFT AND WITH HAVING A 7 MONTH OLD BABY AND A LOW INCOME ITS DIFFICULT TO JUDGE THE BEST AMMOUNT TO PAY EACH OF THEM WITHOUT LEAVING ME AND MY FAMILY STRUGGLEING.

WHAT IS AN IVA AND COULD IT HELP ME OR MAKE LIFE HARDER?