Thank you for the response - at the time the CCCS gave me the option of a DMP or to go bankrupt which to be honest was not an option. If I was to take the route of an IVA would I be able to include a debt which has already been passed to a third party?

Its been almost 3 years.........

Appreciate your comments

Hi there

I would say between £450-£500 a month.

Would that be enough to enter into a IVA?

Hi there I have been on a DMP with the CCCS for the last 2 years but have now decided to investigate if a IVA would be better suited (I owe £80,000 on cards and loans). I currently live with my partner, the house was purchased by him prior to meeting me and me moving in and is only in his name - wou...