Thanks had the call she suggested a debt management plan rather than an IVA whats the difference, Also she said she is from a firm of chartered accountants does that mean shes a middle man and I should go to anoither company direct??

My partner and I are expecting a call tonight from a IVA advisor, We are a bit shelled shocked knew we were close to the wind but now can't get a re-morgage and am stuck with Northern Rock plus debts around £40000 Partner getting very emotional and the rows getting worse!! What sort of questions sho...