Thank you for your replies. We find out on Tuesday whether boy or girl so one thing to look forward to - I hate surprises so cannot wait for that. My partner knows I have debts (we`ve been together now for 2 years) and knew I couldnt get a new mortgage etc for now - when getting all my debts togethe...

Hey glad I found this forum.... Was reading about IVAs but have a few quesions if I may. I am single - have debts of around £40k - earn at this time £27k a year. I live with my fiancee and are expecting our first child in March so this is very difficult for me right now. My fiancee has her own home ...