Cheers Melanie

A little more info we are on a DMP withh CCCS so interest is already frozen,can the IVA be done without incurring IVA fees from practioner Because the more money we offer the creditors the more likely they will accept?

We have 14 creditors and owe around £108,000 in secondary debts.We have no primary debts we are selling our house which when completed will give us round £46,000 after paying off mortgage and charging order,we will be left with 13 creditors and £97,000.We would like to make settlement offers that ar...