hello melanie thanks for your reply, we owe a total of £68000 and have around the £400 figure available as disposable income for our credeitors although the person drafting our proposal said that they would be looking to offer around the £490 mark. this shocked me a bit as i have worries about what ...

hi we are in the process of having our iva drafted and have been asked by the ip to 'freeze' our pensions for the duration of the iva. i am not able/ reluctant to do this as i work for the nhs and my superannuation contribution of £150 per month also provides the only life cover i have. we have a yo...

hi please help, we are in the process of having our iva proposal drafted by an insolvency practitioner and i think we we need to make a decision. (the whole thing started with us receiving a statutory demand and being unable to pay a lump sum). we subsequently went to the ip for advice and help. the...