www.iva.co.uk

if you have read my other thread you know what im yapping on about
okheres the big ?
when i do move out and regain my life from OH
I will be able to claim working tax credits and child tax credits because of my earnings
NOW just realised i havent earned a full time wage for a year yet as I was part time for 9 years upto last nov
when putting in for a IVA would these factors be considered as the following year i wouldnt be able to get WFTC
Also son leaves school last year so will get less money for him also
dilemmas HUH LOL

I haven't read the other thread, but you will need to be employed to put forward an IVA - but it is possible to do this with part-time earnings topped up with tax creditts - and presumably your partner will have to pay child maintenance as well.

If your son is leaving home, will he be getting a job which enables him to contribute to the household income as well?

i work full time, hes going in the raf but cant go into till hes 17 for the job he wants to do so will be next year when he can join

Oh that is fine. So you will be losing child benefit and tax credit for him when he leaves school?

yes so will only get those for one child after he leaves school next year

see the thing is if i go for an IVA my circumstances will change the following year but if i tell them this in advance would it be ok?

If you explain all this to an IP, they will be able to advise you.

Why don't you give someone like Melanie a ring and explain your circumstances to them? They can then put you on the right track.

Most IPs will take into account changes of circumstances that you are aware of at the outset. It would be silly not to, and would simply be setting up the IVA for failure.