David Mond wrote:

Are the debts you owe incurred in England and with English companies?

hi David, the debts are with the Abbey and Black horse finance.

An IVA is no good for you if you are living in Scotland, and if you have an interest in the property which is greater than the amount you owe to your creditors then the Scottish alternative (a Trust Deed) is unlikely to be accepted. I think that you ought to look at a DMP based upon what you can af...