Thanks everyone for the replies.

Is taking care of your parents considered an expense?

New question - while you are on an IVA what if you start earning more money? like a second job or promotion?

or what if we add new expenses? like having baby or something? how does that effect the whole IVA scenario?

you can see I'm a complete newbee!!

Melanie - Thanks! will speak to you soon then.

Deb - thank you ever so much it really is nice to hear from B&E customers, very reassuaring.

Pandy - will add, looking forward to a chat. thanks!

Hi Melanie - thanks for getting back - I'm ok to chat now if you can or tomorrow between 1-2pm is OK too

Thank you everyone for such quick replies to my post. It's nice to find this place. Pandy - it would be lovely to chat to you further if you can, cos you are a current customer with B&E Melanie - I actually sent you an email via this site just before my first posting requesting contact. The B & E pe...

Heavily in Debt and really have no where to turn. Have been told IVA is the best solution. Now I'm confuse which company to go with have been sent forms etc by Baines & Ernst they were really helpful and lovely on the phone but online reviews have scared me a bit, so I haven't signed anything yet. c...