We currently have an IVA (1 year down 4 to go) but are struggling as a family with depression in both of us and my 15 (almost 16 year old)son. I want to 'give the house back to the mortgage co' needs loads of work and no equity and rent nearer my family for support. The rent would be smaller than ou...

Since we started to enbark on the IVA trail both my husband and I have been feeling very low as failures ~ however now it seems the whole family are depressed r 15 s 13 and even my 7 year old son. What can we do.... I want to 'leave' the house as there is no equite and rent a house nearer to my fami...