Hi Ken I am no expert at this but from my experience you have to default on paying things otherwise it looks like you can afford to pay, the whole point of an IVA is for people like you and me who cant afford to pay! So in a nutshell to get an IVA you have to be insolvent If your paying your bills y...

Many Thanks Melanie, thats pretty much what I thought, another question if you dont mind! I was sent the report from the creditors meeting today and along with it came a form for me to sign, its something to do with land registry, Would I be correct in assuming that its to do with the fact that one ...

Hello to everyone on the forum Any way, My iva went through tuesday this week... yipee 96% for me and 100% for the wife. Part of our debt was owed to GE capital for our car so you guessed it the question is about the car. The debt is around 8000 though the car is worth around three, As far as i know...