Hey folks, Thanks so much for taking the time to respond! Sorry for the delay in my reply, 8 was on holidays, but back to reality now..! You feedback is making more hopeful that we aren't going to be left with nothing. Michael People- the IP has been empathetic so far, toward the situation. We find ...

Hi there! My parents went trough an IVA in Nov 2015. My dad is on incapacity (has been for quite a few years) due to several heart attacks and an auto immune disease. My mum, nurse, tried to run the house pretty much on just her wage, and I've the years ended up with debt that she couldn't pay back....