Hi Andy, Thank you for your reply. You suggested us to consider bankruptcy and we want to know more information about it. We lost job at the beginning the June this year, one month before my daughter was born.I'm looking for a job and have not found one and my wife can't work because she need to loo...

Our situation is as follows: I am getting jobseeker's allowance and my wife is getting maternity allowance but these two benefits will both end in Feb next year. Are they belong to the income now? I am looking for a job now but have not found one. We owed £35000 and had 3 creditors. Can we apply IVA...