maternity and iva

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Post by ashlee1980 » Wed Sep 08, 2010 4:03 pm
hi all

hoping someone could give a bit of advice

i am currently on maternity leave and have been looking at my options an iva seems to be my best course of action but i am confuse as i will be on statutory mat for at least 6 months could i apply for a iva on this as my wage then ask to re go over finances when i return to work just would like to get sorted asap so things dont keep building up

many thanks for any advice


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Post by liamjames » Wed Sep 08, 2010 4:07 pm
Are you returning to work full-time?

It's reasonable that creditors will accept an IVA on the basis of several months low payment and then an increase, but it's quite unlikely that your IP will propose an IVA unless you are relatively certain of your income for the next five years.

If you have a large amount of unsecured debt, then contact a few companies and see what personal advice they give you. You can get the names and contact details of a few from

Keep in touch and welcome to the forums. :)
Take care,

Liam James
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Post by kallis3 » Wed Sep 08, 2010 4:18 pm
Welcome to the forum.

I hope everything has gone ok. Have you had the baby yet?

I do think that you should have a word with an expert. As well as, the experts who post on here come highly recommended and their details can be found under the expert links under the left hand side of the page.
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Post by MelanieGiles » Thu Sep 09, 2010 1:08 am
I've recently successfully presented an IVA for a lady where no payments were paid into the IVA for the first four months until she returned to work after the end of her maternity leave.

I think that what you are suggesting is perfectly reasonable.
Regards, Melanie Giles, Insolvency Practitioner
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