It would also be worthwhile speaking to the Citizen's Advice Bureau to confirm you are receiving all of the income, benefits and support you are entitled to.

Most people in IVAs also find household budgeting becomes easier. An IVA requires a single monthly payment into the IVA, whereas you are currently probably paying multiple creditors different sums through the month. The IVA monthly payment is fixed in advance at an affordable level. The IVA contribu...

Good morning Ask your IVA firm for a 'receipts and payments account' from the date you started the IVA. This will show exactly how much you have paid in, how much they have paid out and to who. It is easy for them to generate and they should be able to email it across to you. You can also ask the fi...

A change of address will also change your household outgoings, so monthly contributions may increase or decrease to reflect this change. You may want to check your outgoings on a line by line basis - eg. will you live further from work and will it cost you more to commute in. The ownership of the ho...

I would also recommend finding a local Insolvency Practitioner who can arrange an IVA. Do a search on Google for a local office and give them a call.