Certainly re-mortgageing is something Ive concidered however when I use afordability calculators the sums come up short to cover my debts + existing mortgage. Also I was unsure how likely it would be for me to be accepted having missed / eratic payments on my credit history. Is it likely for me to b...

The reason I ask is that Im currently having problems keeping up with payments on a debt of around 15000 I have at least 75000 equity in my home and Im expecting an inheritance of around 10000 in the next six months. Looking at the information on other posts I feel an IVA may not be the best option ...

Typically what would the cost of in IVA be? that is the fees payed to the IVA manager not the total monthly paymen.