hi experts ii am roughly £19000 in debt, i have 2 creditors. my debt has been managable up to this point and i rarely miss payments but my wife and i have been pooling our money, now we are on a trial seperation and are severing our financial ties i am going to find it very difficult to make the pa...

thanks for your swift replies. my total debt is around 18/19k and is made up of:

1 loan
2 credit cards
1 overdraft

thanks for the advice i'll check the website

hi everyone first post so please be nice. i would like to know if an iva would be the best possible solution to my debt problem. here are the details: 2 creditors - bank/credit cards total monthly debt repayments - £520 total monthly bills - £720 total monthly wage (net) - £1150 profit/loss - - £90 ...