hi, i have taken a debt management with payplan, they are asking me to write a profile of how i have got into debt so they can pass this on to my creditors, i understand what it is they want but just dont know how to put it into words, are there any examples available

I am thinking of entering into an IVA without my wife knowing. We currently have a joint mortgage, how will the equity release work for me in 4 yrs time and do I have another option other than equity release..Daddybear