Thank you so much both for the quick reply; my situation requires I make a decision quickly and hopefully get accepted; the one thing I am most frightened of is losing my house or not being able to move - as this is the only asset I have to leave to my children for their future - hence the avatar. M...

I am considering applying for an IVA. However, one thing I am not certain on after speaking to a company is weather I can get a mortgage during the term of the IVA. I currently own my home and an IVA seems the only way to deal with my debts and I understand that I would not be able to get credit but...