Hi thanks for all your advice! I'm not too worried about my mortgage at the moment as it's the one think I make sure is paid every month! My concern is what effect an IVA will have on my mortgage once it comes up for renewal i.e. will I be able to renew or will I have to let it become a standard var...

Can anyone recommend an IVA company as I'm completely new to this and I'm at a loss where to start!! There are so many companies out there it's hard to know the good from the bad! Any help or suggestions would be really appreciated and may make it seem a wee bit less daunting!

I'm thinking about applying for an IVA but don't know how it would affect my mortgage. I've never missed a payment but my fixed term matures next May. Will having an IVA prevent me from remortgaging to get a better interest rate?

My partner has had failed IVA for a few years now and received one of these letters from IVA Watchdog a few weeks ago. We haven't rung them yet and we're not going to now.
Does anyone know the next steps in going bankrupt or are there any alternatives?

Normski