Thank you all for your advice. We still haven't made any decisions as an IVA seems so final and feels very embarrassing as we should have been able to handle things better. Think getting over this hurdle is the hardest. Don't want to take official advice yet as it may impact on our current credit po...

Hi My husband and I are currently wrestling with the idea of an IVA. We appreciate the debt is ours and want to pay it back but really can't afford to carry on at present. We are becoming increasingly worried that we are slipping into more debt. This is something new to me as I've managed to pay my ...