how come when ive look round and poeple are telling me i do not qualify for an iva due to the fact that i have to much income left after my bills and rent are paid how much disposable income do i have to have left to qualify for an iva?

could there be a possibilty of it being difficult to rent a property during the time of an IVA? If the is need of a guarantor is there any companies or charities that could help if you are unable to get a family or friend member to go guarantor for you?