The credit file is pretty much shot anyway but it's the thought of coming off the property ladder and also we've still got to sell it, it could take a few months for that to happen

2014 protocol ?

30k of debt between 6 creditors, house valued at 180k with 135 outstanding, should I......

Sell house and rent and pay debts off or stay in house and take an iva.

Are many companies open or willing to offer full and final settlements realistic to what we could afford

Are there any companies to avoid? I've made a couple of enquires and one seemed to want to propose an iva there and then

This may sound familiar, income gone down, debts starting to get out of control, wife doesn't really know the full extent of the debts and I can't see a way out at the moment