Thanks Melanie, but any specific advice as to what I can do about debts owed that aren't legally in my name - are they inadmissable as costs in my IVA?

Money can't buy you happiness, but I'd sure like to be able to test the theory!

Hi all, Well, firstly what a relief to find a site where I can talk to people who might understand and offer some real life advice. I'll try and keep this brief. I've made a few bad choices, started a business that failed at my own expense and got divorced in the last few years...cheery tale I know!...