You need to take advice from a few IP firms, the advice is normally free and in confidence and they will be able to advise you fully of your situation.
An IVA is all about disposable income after priority bills have been paid, If assests are available to give your creditors a better return then they will be taken into account, but its not a pre-requisite as far as I know.
contact a few of the firms that post on this forum for some advise.
Good luck with your application - do you know when the IVA is likely to be proposed?
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