Thanks for the advice Melanie!

I will ring CCCSVA and enquire about extending my payments. Do creditors look on this in any worse light, or id there just as much chance of a 5 year agreement being accepted as a 5 years and 6 months agreement?

Hi all, My IVA is currently being drafted through CCCSVA. My main creditor is HSBC and in order to get them to agree, CCCSVS would ideally like to offer £0.40 in the pound. On my current budget i am falling just short of this. CCCSVA have just rang and asked if i would mind hanging on a couple of we...

Hi evryone, New poster here so apologies if this question has been covered elsewhere. If my IVA is approved (for approx. £22,000 of unsecured debt), what happens if i inherit say £18,000 in the first year? I appreciate i will have to give all of it to my creditors, but would i still have to continue...

Thanks for that.

What if she inherits money? I'm sure she would want to help, but would my creditors be legally entitled to some of her money?

I am in the process of undertaking an IVA for unsecured debts soley in my name. At present i live in rented accomodation with my girlfriend and our 1 year old son. Whilst preparing the IVA through CCCS, they obvioulsy asked about my partner and i explained that she worked part-time (earning approx. ...