If your only income is from benefits, then you will not be able to do an IVA, you could do a Debt Management Plan though. It would all depend on how much your debts are and what you were able to pay after your priority payments have been made.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
As long as you are offering more than 1% of the debt you should be fine for a DM. Eg : £10k debt £100pm. You should speak to a DM advisor about your circumstances. They will assess your viability and offer you the best practice solution.
Give Payplan or CCCS a call. They don't charge for Debt Management Plans.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Neither Payplan or CCCS operate the 1% rule which tends to be used by fee paying companies - but do ensure that you are not going to be tied into a long winded repayment plan which doesn't really benefit anyone in the long run.
