Martin could not believe his good luck. He does not have any creditors hassling him and calling him day and night. He thought that he was going to have to live with this the rest of his life. If it were not for IVA, he does not know what he would have done. Martin has a friend that got into dept above his head and does not know what to do. Martin told Dean about the help he got. He told Dean that it was not hard to apply for the help. Dean told Martin that he would check into it.

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