I don't know for certain, but I imagine the debt dies with you. I'm sure an expert will answer that question.

In the meantime keep taking the vitamins! [:D]

To a great extent it depends on your efficiency in providing the information and your IP's ability to respond quickly ( bearing in mind their case load and the work involved). As far as I am aware a creditor's meeting requires 4 weeks notice.

After sending all proof of your debts. Your Income and Expenditure, changing your bank account and all. The IP needs to draft a proposal to your creditors and request a meeting. One month's notice needs to be given of the meeting. So if you have submitted all your paperwork then about 6 weeks. Hope ...

I agree also.

Sunshine Ahead- please believe there will be. Because of the nature of my job I was terrified it would become known- it wasn't. I have just finished my IVA and not even my mother knew!
All the very best!

Dear Searcher, You have found the right place for advice and support before making a choice on the best way forward. Talk to 3 different IP's to get an informed perspective. Paying more will not necessarily mean you get a better service. You will get a feel for the ethos of the company. Insolvency i...

No worries. There was another poster who went through the same process with the same companies. All based in Manchester so it sounded like the debt supervision was being sold on. I did ask the question why at one time and was told it was the nature of the debt industry. Or something to that affect.

No Kallis I had different IP's appointed at each review at the end of the first , second and third year.Originally it was Mackenzie, Goldberg, Johnson Ltd, the after a year it was Simon Westhead & Associates then it went to Invocas.

oops that went unfinished...........I was about to type the changes were not my choice but just happened at each review.

My IVA supervisor changed 3 times but that was outside my control and

My understanding is that you have to be available by telephone at the time of your variation meeting, in case your creditors want to make modifications to your new proposal. So I imagine a negotiation process can take place. No variation can be made without your consent, so you definitely still have...

blimey kallis we posted simultaneously. hehe

It depends on what you have left from your income when you have covered all your expenses. Mine was £290. I have seen higher figures but it truly depends on your income and necessary expenditure.

Talking here is good and extremely helpful and supportive. You sound like you need some full on expert financial advice and though you will get it here it sounds you really need some one on one expert advice to know how best to move forward. Just remember to shop for an IP like your most precious pu...

Dear Gripper, When I was at the beginning of this process, not knowing what to do I grabbed the first possible route out of debt I found on line. Then I found this site a year later and it has continued to help and guide me. One thing I would have done differently is choose my IP carefully. I didn't...

Thank you all so very much for your good wishes. I could not have got through this without you. Not only those who give their advice and support but all those who are willing to share their stories. I have learned so much that has been extremely helpful just by reading other people's experiences. Yo...