Hi, if one of your credit card debts has been sent to a collection agency can you still apply for an IVA, or can an IVA only be with the original creditor? Thanks.

Hi, if you go and live abroad is it ok to give the companies you owe money to your overseas address? Will this prevent you from applying for an IVA? I read here on the forums that you need a UK address to apply for an IVA. Thanks.

Thanks for your replies. All the debt is sitting on my cards and has been for about six months, and I have been paying the monthly payments up until now. This is my debt and has always been. They do allow you to make balance transfers to someone else's card and vice versa. In your opinion will she b...

Hi, I am considering an IVA, but I am concerned that my friend may get dragged into it. I have been using my friend's credit cards to move my credit around to get better interest rates from the credit card companies I owe money to. For example, I move credit owing on my card on to her card, wait unt...