Thank you so much for such helpful and quick responses. You've given me the oomph to carry on a bit longer until the pension is received and cashed in. I'm getting advice from an IFA about that. Once I'm at the stage to try for an IVA I'll be sure to be in touch again. This has been such a difficult...

After several years of horrific and messy financial wrangling following my divorce, a settlement has finally been reached and a court order made. Unfortunately, the lump sum order I was relying on to pay debts has not been made. (The debts were incurred by both of us but were in my name.) However, i...