Thanks for all your advice. I got started with Thomas Charles who set me up with Wilson Phillips Insolvency practioners in Blackburn. The money i pay my mum is for rent etc and to pay back money i owe her, I will have to check whether that has been included in the IVA, it should have been. The phone...

HI, I had a creditors meeting last Friday. They said the lowest they could accept is £480 per month. I have added up my expenses and that would basically leave me with no spare money at all, i don't know what to do! my expenses are as follows: £8.39 - Laptop Insurance £44.60 - Car Insurance £50 - Mo...