Thank you Melanie. We haven't got an IP just yet but will be looking for one in the next couple of days just as soon as we have got all our details together.

Thank you Melanie and Oliver your replies are what we had hoped to hear. Just another quick question, do we wait till the IVA is set up till we stop paying our creditors or do the creditors tell us when?

I am in the armed forces and am worried about my employer finding out. Should he? if not, what is my first step into applying for IVA?