I have a shared ownership property which has some equity. I have been told that in year 4 of a 5yr IVA that I will have to release this equity and make lumps sum payments. Is this true? If so how much of the equity will be taken? For me to do this I would have to sell my home as the housing associat...

How much does an IVA cost?
I was offered a 'quick fix' one where if I could get 18,000k together the adviser said he could get my 40,000k debt written off in 6 months. This didnt make sense and scared me off. I want to be debt free but who do you trust?