thanks to all that replied.

I will talk to an IP and explore my options. I will report back on my progress.

John

Hi All New here and reading through, I can see that an IVA would be my best, but not my only option. My question is, is it worth going for an IVA in my situation. My main creditors are Egg plc and Black Horse finance. These together have an interest totalling £45k. I believe that they normally rejec...