Thanks Melanie
Have you any suggestions then on what i could do?

Cheers Andy
I'll get back on the phone tomorrow, my debts wil be increasing rapidly just with my phone bill (lol).
F.A.O Keh - cheers for the response, who did your IVA if you don't mind me asking?

Is a joint IVA an option even though my partners debt isn't high enough? With the house and bankruptcy is that a definite that i would be able to keep it? When i say there is no equity there could be maybe 2 or 3k at most depending on valuations etc above what i owe but this is made up of the mortga...

Cheers for the quick reply
Just 2 lines of credit one loan and 1 credit card, disposable income of approx £220 per month after everything food,bills etc. Bankruptcy has been mentioned briefly but I am obviously concerned about the house even there is no equity i would rather try and stay here

I have been looking at IVA's for the past week and am getting conflicting advice. My situation is i live with my partner, I owe £22k to 2 creditors and she owes £8k to 6 creditors. One Company (Baines & Ernst) seemed happy to accept us to look at an IVA jointly but Payplan will only look at me for t...

I am considering an IVA but my partner is concerned about losing her job as she works in debt recovery for a big energy company, is this likely? Thanks