We are currently under IVA, but is considering immigrating to Australia. We are also considering going bankcrupt, so we can make a new start in Australia. Will we be able to do that?

We are under IVA for year and halve now, but is thinking of going to Australia. What will happen with IVA?

We've not thought of bankcruptcy yet, I do not want to loose our house. What does bankcruptcy involve?

We were told that we can only spend a certain amount on things. They said that they wont allow more, and more is what we pay on a lot of things. One example is food.

We've been in IVA since August 2009. Our car is giving problems, it is an old car and we will qualify for scrappage scheme. What will happen if our car 'packs up'. I know we cannot make any more debt, but will there be a way for us to get another one? We are both dependant on the car for work. Anoth...

I am not aware of any allowances for dental, opticians or prescriptions. I also keep in touch with lady from Freeman Jones, when we have changes in circumstances. It sometimes feel like she is only interested when we can pay more, and not when we are struggling to pay.

Thank you for all the feedback. We are with Freeman Jones. Do not know if they are good. I was told I can only claim for travel expenses. Can I claim for work clothes a month as well? My parents is retired, and we only give a couple of quid here and there. Can we change from Freedom Jones? If so, do...

We've started with IVA on 27th August this year. I did not have a job at that stage. We only had my husband's wages, and was told that when I do get a job, I need to pay 50% into the IVA as well. I've started with a job on the 1st of October, and told the people that is dealing with our IVA. THey we...