Thanks for the advice. The IP went through the 3 options - DMP which was ruled out because it would take over 13 years to repay the debt and BR was called a last resort therefore an IVA seemed the best solution. My occupation would not be affected by BR. My income is approx £1050 take home a month. ...

Hello! I am having worries about coming to a decision. Does anybody have any advice? I have started the IVA process with IP who says IVA is the best option but having read various comments & articles I am wondering wheter it is better to go straight to BR.I have not signed the consent forms yet. The...