In Essence and in brief i owe 35k mainly made up of high interest credit cards. I am paying 1500 a month and slowly sinking, i can afford to pay £1000 per month i have an annual bonus which is equivlant to £5000 after tax per year which i am more than happy to put to my debt. Therfore in theory i ca...

I am just about to go through the process of starting an IVA, however there is a small outside chance that i can achive a settlemnt of my debts on my own but i feel that i would like to get the IVA roling before i fall foul of my creditors. If the company that i use make a proposal to the creditors ...