Hi,
As you have no regular income, I don't know if an IVA would be right for you. However, it's not your only option and I would recommend that you speak to a professional as soon as possible.
If you visit
www.iva. com you will find a list of companies and reviews. Give one or two a call and they will advise you of all the options open to you and the best way forward.
As to a full and final at 25%, I really don't know if that would be accepted.
One of the professionals who posts on here will be on later to give further advise.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk