Thanks for the advice. Yes we do have a property which would be my only concern with br. Not really sure how it works with br and if we would lose it. No equity in it at the moment whether or not that matters. Car on finance. Nothing else of any value. I think I do need to speak to someone- I just g...

My wife and I are currently in an iva. Have been since last sept. Our payments increased in April and then increase again in nov 2013 due to end of car finance etc. Before we entered the iva we found out my wife was expecting our second child. At the time we contacted our supervisor to discuss wheth...