Thanks for the comments to my original question, and for joining me to the forum. The wife and I are just starting to think about what we're going to do about our debt, I've taken a day off work this week for us to sit down and talk while the "kids" are out. Normally if I needed a recomendation for ...

What level of detail of my income will I need to declare? In addition to my monthly wage for my day-job I also make money from buying and selling stuff on ebay and similar sites. This is not a regular amount and varies each month. Will the people I deal with if I go for an IVA need details or simply...