Taking out an IVA means that all of you debts are organized into one payment and interest rates are frozen. You pay back over a fixed term and any debt after that is wiped clean. It can also halve the amount that you are paying out each month in trying to clear your debts. As good as this might sound you shouldn't go into this lightly as there can be repercussions because at the end of the term your credit rating will be very low indeed and for the duration of the IVA payment period you can't take out any further credit such as for Argos or cards and so on. However, if you are really struggling and can't cope with the debts as they stand then you should certainly consider an IVA. Check out Debt Advice Birmingham for further information.
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