hiya! thanks for the quick reply. sorry for my bad spelling, only just realised! im not reluctant to pay more if my circumstances get better, but i dont want to feel forced into paying a sum that leaves me money i just cant live on, especially as i have a young child. if i sign up to an IVA, do i ha...

i have been seriously considering to apply for an IVA but after going onto your forum, im not so sure.i want peace of mind that i'll get a set amount to pat per month, not for the sum to differ monthly! is it worth my whikle to go bankrupt? i owe roughly £15,000 to creditors, plus money to family an...