Melanie, that sounds very good to me. I have replied your e-mail. Thank you.

What is the minimum disposable income required for me to go on IVA?

Thanks Kallis3, that is a bit tight.

... And what are the conditions I will need to meet to be qualified for that concession?

That did raise my hope a bit. For my debt of £26,000, how much can I be looking at? Maybe I can start looking for ways of raising that. Usually how many weeks is one allowed to raise the sum?

Thanks Mel. £26,OOO is quite a huge sum of money I can't raise from anywhere at the moment. Lloyds TSB actually transferred my call to CCCS yesterday, the lady got my details and said she will call me back immediately. Unfortunately none of us remember that she will need my phone number. I will give...

Thanks Mel. Already spoke to a couple of them. A bank I am owing £600 overdraft has given me six months to get back to them if my situation improves. Lloyds Tsb which I am owing £7,300 after going through my income and expenditure with me over the phone yesterday concluded that my expenses is well o...

I am a full time student nurse on bursary. However I am allowed to work,10, 20, & 48hrs when I am on clinical placement, school term, and on vacation respectively. I sometimes end up not working at all some weeks, depending on my school workload. I am thinking of going on an IVA because I currently ...

This thread has really made me to ponder a lot about those things are actually important in life. Thanks to everyone.

Thanks so much for this information Melanie.

Thanks Lesley and Animaleyes. Can't seem to find anything that suggests that either. Just trying to double check in case anyone will have an idea of how it works.

Thanks a bunch.

I will like to know if going into IVA does not disqualify one from obtaining UK Citizenship. Thanks.