Hi Melanie, Thanks again for your help. I have spoken to the IP who said I could do this on my own, and they explained that it is a bit more work to do it without my partner because of the contribution to household bills, but possible, which is positive. We went through all of the expenses I can all...

Hi Melanie, Thank you for your reply. I earn 45% of the household income, and we have a joint property with no equity in it. One of the IPs I talked to calculated -25,000 as the equity. I'm not sure how to calculate the household bills as far as allowances for food, clothing etc. The monthly direct ...

I have been given conflicting information about going into an IVA. I have a large amount of personal debt to repay, my partner has been helping me out financially, but has debts of his own to pay. We are in a position now where I have spent most of his savings and can't afford to continue contributi...