Aw thanks for the help and support everyone. We have considered Bankrupty with living in Army quarters due to the hubby having to rejoin. After alot of consideration though, I think it's ok in some ways with us not having any money or things worth anything, the only thing they can take is our car wh...

Thank you very much for everyone's advice. Unfortunately we have lived in hard times for the best part of 5 years so as crazy as it sounds we will probably be better off in an IVA. My husband left the Army and we bought a house when house prices were at the top (advised that if we didn't get on the ...

My husband and I have considerable debts spanning 3 years and after seeking financial advice have been told that an IVA would be our best option. We are slightly confused about what things are acceptable to include into our budget. For example: Are we allowed to budget for Christmas/Birthdays? Is th...