Hi again Melanie We are in rented property and our car cost £1000, which my inlaws bought us to help with getting to work and ferrying the kids around. We have no valuble assets as far as I am aware although my Mum is giving us her 42 inch tv as she is getting herself a new one, would this be consid...

Hello Melanie Thank you for replying. My income is a bit tricky as my youngest boy has only just turned one - literally 7 days ago! I have been doing some hours here and there my old employer but he needs someone full time so has had to take on someone else but is still giving me as much as he can f...

Hi Can my husband and I have a joint IVA or do they need to be seperate? His debts are around £70,000 and mine are only £7000 but as the only income we have is his I have no way of paying off my debts and he cant pay mine as he can''t even pay his own! Our income is £1500 a month from his 1st job an...