Great, thank you! I will look into my options for a DMP and may be contact you when I know exactly what I am going to do. Once again many thanks!

Hi Ang

Thank you for replying, At the moment I do intend to return to work, becuase of my debts. I will be getting statory maternity pay which, is not alot. My debts each month amount to almost £800.00. I will contact Melanie Giles and see what she has to say. Thank you very much for your help!!

Can anyone advise please? I am working at present and do not have an IVA. I have just found out that I am pregnant and I have about,(I do not know the exact figure) £20000.00, as I am going to be going on maternity leave and will not be working would it be possible to join an IVA?