I looked in to going bankrupt and wanted to at some point in the future get a mortgage again and the question have you ever been bankrupt would have to be ticked as yes, therefore i saw iva as still my best option as at least it would go off my record after the 6 years. Suppose it makes more sense t...

Hi, I have been in my IVA for just over 18 months and for the past 6 months the IVA has been reduced as my income has gone considerably down. Payments have gone from 380 per month to 200, however me and my boyfriend really want to start a family and the only thing putting me off obviously is my debt...