Hi, I am Contemplating bankruptcy as i have been declined on a consolidation loan for £25,000 and have gone through the motions on an IVA but my advisor has said it's at a high risk of being declined due to some awkward creditors. we have a family car and a scooter and although the car is registered...

Hi all, a few questions for those in the know as i havent applied for an iva yet but its looking more and more likely. I am married with 3 kids, I am working full time and earn approx £300 a week and my wife part time, although all debts are in my name only and have managed to accrue a debt of about...