I have over 40k of debts with a number of credit cards and personal loans my income is 1230 per month after tax
I do have a joint mortgage with my wife which I do not contribute to.
I have a new job starting soon and will after 3 months will be earning 25k
You need to speak to one or two companies for specific advice as to the best solution for you.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I would suggest a chat with a few companies, as they do tend to operate differently from each other. What you do will depend on the actual timescale, as well as the certainty, of the upcoming changes.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
