Hi Goingunder --- first thing I'd like to say ( apart from "Welcome" ... where are my manners?) is .... do not feel ashamed. Let's face it, the last few years have shown us that even the banks and governments can't make ends meet -- so why is it so bad when we mess up too ? We are, however, doing better than them in sorting ourselves out :0)
You keep saying you can make the bills but can't live ... well, with an IVA properly worked out and put forward the emphasis will be on making sure you CAN live and pay the essential outgoings too .... only then, what is left is used to pay the loans.
Have a word or two with a few of our experts or firms recommended on www.iva.com
. For one thing it will help to have a sympathetic ear to help you get things straight in your mind.
Then come back and ask as many questions as you need ( no such thing as a silly question)or just have a chat, a rant, laugh or cry ---- there is someone here almost all of the time.
Hang on in there