I am thinking of going into an IVA and have ameeting with my IP at the end of the month. I owe about 40K. I dont own a house, and have no assets. I am worried that as I have just moved to the country to be near my family as there are some problems at home, and I am renting off family, and there is no contratc etc, that the creditors wont take it seriously. I have asked my sister to draft a letter detailing the ins and outs of the rent situation, wihch she has and represents a rental contract, but can the crditors just tell me, despite the fact i am here for a reason, that my rent is too expensive and to go live somewhere cheaper (all in, its about 600pcm- and this was negotiated)? Also, I only moved down this month, so do not have a record of being here etc. Additionally, if you have small debts with credit cards, do they have to be included in the iva if you can afford the monthly repayments (if you have £500 for example) or does it all have to be included in the IVA?