75% of the value of the creditors voting in the Meeting per person or plenipotentiary must give their consent in order for the transaction to be approved. If one of these voters is a “collaborator” (usually business partners, friends and family), a second census is taken and 50% of unrelated creditors must approve it.  If you are faced with repayments, you may be approached by companies that promise to help you pay off your debts. Be careful. They can charge you high fees, and it`s possible to end up with even more debt and/or damaged credit information. An income-dependent IVA can often take up to five years, although it can be as long as possible.