They are trying to get me to agree to an IVA not stop me. It is me that has the doubts not them. It is me that thinks surely my rating would be less affected by paying the whole debts off rather than having a lot of it written off as the creditors would then have all the monies back. Or have I got i...

Thank you for your responses. I already have a debt management account with my IP and pay them £450 per month which they distribute to my creditors. I signed up with them in October (end of). My debt currently stands at about £45k. They have told me that living with my fiance may pose a problem and ...

Hi I am currently undergoing a debt management program and my advisors have advised an IVA is a better option for me. I am living with my partner but classed as a lodger as I am not on the deeds nor do I pay towards the mortgage. I just contribute £100 per month and we alternate shopping bills. We a...