Thank you all so much i felt so alone before coming on here.
I am finding it a big help we are taking further advice will let you know the outcome.

we owe about £40000. in loans and credit cards payment will be about £300 a month.
We own our own home pay £700 a month .
worry at the end about having to remortgage to pay off iva.Thank you , I have had heart probs this is a real strain.

I really dont know what to do.

things really bad got our iva through to sign i am sitting in tears is it the best thing to do?.Not that i see we have ne choice

Please ne1 is it for the best.