Thanks - yet again, do you ever stop working ? I think I may have not made it clear that the IP is in fact suggesting two completely independent VAs not linked. I will not be dependent on him once the proposals are accepted - or if only mine is - I wanted to check how I might be affected if his IVA ...

Melanie - thanks, The advisor in agreement with an IP (they have spoken to both of us together as it was felt a last bit of cooperation might be to mutual benefit) has suggested that we each agree independently an IVA which he would submit seperately but at the same time to increase the likelihood o...

Thanks again Melanie, What a minefield - every step seems to raise another question. I want to avoid Bankruptcy as it will have repercussions for my work where I have to supervise the financial affairs ( I know !!) of adults with learning difficulties. I note your comment about creditors chasing my ...

Hi, thank you for the prompt advice. I owe around £70,000 of which £54,000 is joint unsecured loans with my now estranged husband. We have a house which has no equity but which may be sold in the near future to cover the mortgage. I do not know at this time what my husbands plans are - if I make a l...

If I can get help from my family and propose a lump sum IVA then how long do the conditions of the IVA last ? Can I expect a better deal than monthly repayments ? Can creditors come back to me for further payments if I have spare income ? I am assuming I pay my family back subsequently.