hi G4B. Thanks for that - I think I got so caught up in IVA and bankruptcy I didn't think to manage it myself. I'll certainly try to national debt line, but the CCCS woman was good in that she spurred me on to call all my gas, water, council tax etc people and not only were they all very nice I feel...

Hi, thanks for your help. I have read so much on this site, and it looks like an IVA is good because the creditors cannot suddenly start changing the goalposts or send round a debt collector. My £350 does have to include food, by the way. And what my partner brings home is peanuts. I called the CCCS...

i owe around £15,000 to 7 or so different creditors. My take-home pay is £1100 each month, and my outgoings are £750. I'm not sure whether to go for an IVA or bankruptcy. We'd like to get a mortgage and buy a house at some point this year, I don't know if we can if I'm in either of those situations....