hello

[MelanieGiles]

Entering into an IVA is a big step and one which should only be taken if you sure of the future in terms of income and expenditure. When your wife comes over to live, things will change - she may not be able to find work easily and your expenditure is bound to increase, so perhaps you should concentrate on sorting out her visa application as a priority, and maybe consider a DMP in the meantime until things are more certain.