Thanks for your reply Melanie - My current income is £2200 a month and i only have £76 available to share between my creditors. My current mortgage+consolidation secured against my property is £167000. A remortgage would not be possible. There was one other reason why i asked if an IVA would be poss...

I am currently owing £66,000 to 9 creditors and starting a debt managment plan - I have approx £75000 in equity on my home. I have not included a loan from my parents (£10,000) in my debt managment plan because they are happy to hang fire with regard me paying it back - If i took the extra 10,000 in...

Thanks for your reply - Have only just remortgaged at a good rate 4.9% fixed for 3 years (£3000 redemption penalty)- Would willingly remortgage but not sure how much more i could get on top of what iam currently mortgaged against - my income is £39000 per year. Is there any way that i can get an IVA...

I have £67000 in unsecured debts and can only currently afford £120 per month via a debt managment plan to my 9 creditors. My partner will soon to move in with me and this will increase our joint income - We will then have approx £350-400 available to pay my creditors - Would an IVA be the best opti...