Thank you for your reply. I have a flat with around 10k equity. No other assets.

Hi, I’m 6 months into an IVA totalling 22k. I have several invisible disabilities and health problems, including being on morphine daily. I’ve been at my job 17 years, and out of the blue been told they don’t think I’ll cope going forward. They have offered a final figure of 7 months’ pay in final s...