Thanks for that , I know it is a good opportunity we just want to be in control of our rising debt before we go otherwise it could spoil the whole thing. "No point moving the same sinking ship form the Atlantic to the Pacific ocean". Can any one tell me do you actually attend your creditors meeting ...

Sorry , forgot to answer one of the questions. If things worked out we would hoep to stay in Australia but we are not sure if an IVA would affect our appication- does anybody know?

I am not sure what are the pros and cons of each. my brain is dead at the moment, therefore I need all the advice I can get.
My property is on the market, if I got an offer would I be better cutting my losses.

Sorry Melanie it should have read £90,000.

We owe approx £90,00 to credit cards and suppliers.We are currently self employed and earn about £2,200 per month.We have however never made a profit in the business and closed a large portion of it prior to Christmas to reduce overheads adn haev survuved to this point only by my husband completing ...