Many thanks for this - I am glad that my mother should, in principle at least, be included in the dividend. Afterall, she has had to suffer as much as my creditors! And probably more so. Proving my indebtedness to her should not be difficult, as most of her loans to me are clearly shown on her bank ...

Thanks for your replies and supportive comments - it helps to make me feel rational again!! Although I have just written a reply, forgot to log on, and lost it!! The bones of what I was saying is that I think my mother would be happy to step aside in an IVA situation if this would improve my chances...

Hi - I have been struggling with debt for the last few years. As things stand I owe approximately £60k in unsecured debts - about £34k of this to my mother, and the remainder to a number of credit card companies and two personal loans. This amount of debt was created by a good old fashioned set of c...