Hi there im so pleased and relieved that i have found this site today [:)]. Ive had major head ache for the last mth or so trying to decide wheather iva or a debt management plan would be right for us. We currently have around 35 thousand in debts. Sorry my pound sign has vanished from the key board...

we are ion the process of an iva, just worried about after the 5 years. the equity we have in the house is 20 thosand. would we have to remorgage and giv them it all ??