we owe over 17000 on credit cards and we are only making minimum payments with interest and spending on them each month because we are using all our cash to make the payments not leaving us anything to live on so all our shopping every month goes onto the credit cards as well so we are constantly go...

i have a few questions, what happens if you have quite a lot of equity in your house but you cannot access it because you are not allowed anymore on your mortgage? If you enter into an iva can you not get any credit anymore for the next five years? Is there any way instead of using an iva that all i...