I currently have debt that is drowning me in the UK. My husband also has debt and has been in Australia since April 2014. We are simply in a position that we are now defaulting on payments as our salaries are not covering the outgoings. I am trying to find more work to bridge the gap, but this hasn't been easy. Are we able to apply for an IVA? I want to find a solution and honour what I owe.
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