Hi joy and welcome to the forum
You do not need to wait until you have full details of all of your creditors to start off the IVA process - a simple list from your own memory will assist an Insolvency Practitioner is assessing your finances and advising you on your options.
It is then a good idea to contact all of your creditors to ask for an up to date statement of account, and obtaining a copy of your credit file is also valuable information.
If you decided that an IVA is an appropriate option for you, a good Insolvency Practitioner will circulate all of your creditors to advise them that they are acting on your behalf with regard to proposing an IVA.
To apply for an IVA you need to find an Insolvency Practitioner willing to act for you, who will help you to assess your situation and talk you through all of the options available for you. If you choose the IVA as the best option for you, and you importantly meet the criteria for an IVA, then you will formally instruct the Insolvency Practitioner to act on your behalf.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp
See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp
