Hi Louisa
Sorry it has taken so long for one of us to answer your post.
Assuming that you are looking to put together a "joint" IVA, you say that you have disposable income of £450 per month - although this may change once you enter rented accomodation, I assume? Could you also confirm whether you have any equity in your property?
With more information I am sure that one of us will be able to advise you of your options - but only you can decide on what is the best for you to do.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
For further details contact me at
http://www.melaniegiles.com and view my IVA blog at:
http://melaniegiles.blogs.iva.co.uk