Thanks so much for the advice, I return to the UK next week and will look into it a bit more..

but what happens if the IVA is rejected???

Ok thanks all, I will see what payplan have to say, my dmp will take a lot longer than 7 years to pay but i am concerned how i find the fees for an IVA. I am about to take a new job in china and am a little worried how bankruptcy would effect my visa. The whole idea about working away for the next t...

we did have a joint DMP it has now been split, two of the debts are joint, i spoke to my solicitor who advised me to ask if she was paying anything, she reckons they have to tell me because it is joint debt. to be honest i just want to get myself straight with as little fuss as possible.

I am paying £285 a month since the wife and I split up... dont think she is paying anything. I have emailed payplan to ask them i will let u know what they say... thanks guys..

I am currently in a debt management plan with payplan, I have 47k unsecured debt of which 21k is with Northern rock. I was told at the time that Northern Rock was not accepting IVA's.I lost my house about 2 years ago... Do you think I should now apply for one and who would you recommend I use.