Hi Ian, thank you very much for your kind reply. Unfortunately I only became aware of the situation yesterday and have limited knowledge of her complete circumstances to date. She has already seen someone at the local CAB. All of her paperwork is with him, and she isn't due to see him till Thursday,...

Hi Guy's, thank you so much for the help and consideration that you all have given to my question. This is a genuine attempt to help my friends, and not just a misguided "my friend question". The person I am trying to help is on benefits, a single mom with two children with learning and attention pr...

Hi, I am trying to help some friends. If, after working a budget it is found that there is little or no money left for re-payments to creditors, would an IVA still go ahead, or would Bankruptcy be considered as an alternative? If neither could go ahead, what would be the alternatives to try to get t...