Hi All Thank you for your comments, on recollection i think i may not have been advised an IVA due to the equity in my property. Briefly: House valuation; 130000 - 140000 (would be lucky to get 140000 in todays market)! Mortgage 55000 Secured Debt 35000 Total secured debts; 900000 Unsecured debt; 64...

Hi All, New to this forum so please bear with me! After realizing that i was in a ever spiralling debt cycle, i eventually took my head out of the sand and enquired about an I.V.A. Unfortunately i was deemed to not have enough dissposable income left for this purpose and was guided to the D.M.P rout...