MelanieGiles wrote:

The CCCS also do IVAs, so it is worth having a chat with their insolvency practitioner as well!

Will do, but will contact you also closer to the time if that is ok. Many thanks for your help so far [;)]

MelanieGiles wrote:

Then an IVA would certainly be worth looking at, as you would clear your debts at a much earlier stage.

How would I go about it Melanie?

I am with the CCCS but wanted to get some info about the IVA before I take any action.

Are you saying you pay £75 to each creditor or £75 in total? And what effect do you feel your salary increase will have on your ability to repay creditors - ie what do you feel your new disposable income level will be? Hi, thanks for the reply [:)] I pay £75 in total. I would be looking to be able ...

Hi guys, just joined and looking for some much needed advice. I am on a DMP with cccs who have been really good to be fair. I owe just in excess of £40k [:(] and am looking to possibly go down the route of a IVA, depending on your advice and experience. I currently pay £75 a month to these creditors...