Thanks for the replies, keep em coming.
Don't know if it makes any difference but I am a self employed tradesman.

Something else I wanted to ask, If there is a clause in your IVA with regard to remortgaging after four years, then who would possibly offer you a mortgage with an IVA hanging over you ?

There are four or five unsecured creditors depending if the taxman is applicable or not.

Thanks for that Jan, we will look forward to the coming replies to see what people come up with.[:)]
It's been so difficult facing the facts but hey, maybe this is the start of the way forward.

Hi everyone, Myself and my wife have debts of 22k approx (mostly in my name)unsecured. Also will owe the taxman 10k from Jan. I can manage to keep head above water just paying the debts but haven't got anything left for the taxman ! Obviously they aren't keen on this situation. Mortgage of 101k on h...