I have spent most of today reading about the pro's and con's of IVA's. But when it came to calling someone off the internet I hesitated and halted!. My credit records shot, I know that much, i can't go bankcrupt because i'm now a director, but i'm still unsure if its the right thing to do. My main c...

I'm considering an IVA. However i have recently been appointed a director at a Ltd company. As such I have a basic wage and receive varying amounts of divident payments each month depending on the performance of the company. What's the best way of dealing with this? and would my bad credit and IVA e...