Well I guess I won't be selling the house. To re-cap my IVA is £35k including fees, of which i have paid to date £9k (about 17 payments). If family were able to generate enough cash, how much would be a reasonable offer to my creditors, because I would really like to pay this off early.

I have already contacted the housing association and they have given me consent to borrow extra money to buy out my co-owner. Its whether I would be able to borrow enough to pay off the IVA as well. My current spend on the mortgage and the IVA is £871, I would hope i could get a £100k mortgage for l...

If I were able to remortgage with a company that specializes in dealing with people with IVA's, would £16K be enough of an offer to my creditors?

Another problem i have is that I am on a 50:50 shared ownership scheme. Having said that, the house value is £190k, half going to the housing association leaving me with £95k. The balance on the mortgage is £63k, so that would leave £32k equity. However I believe that I could use only half of this f...

Melanie, There is a reason for me asking if I can pay early. My IVA started in sept 06, my then partner left me in aug 07. We have three children which we have equal custody over. My fixed rate is coming to and end in feb 08 and I feel the mortgage company would be reluctant to remortgage me because...

I have been paying into an IVA for 18 months now, and after looking at the positive responses to some of the questions posted, I feel confident that you can answer my queries. What I would like to know is although I have a settlement clause in year 4 of the IVA, can I settle now - even after 18 mont...