<t>I have debts around £43k with 7 creditors. I also have a HP on my car and paying just the interest on my mortgage at present. I have outstanding debt to HMRC self assessment of £1500 and corporation tax of £1901 for a business I no longer trade from. <br/> <br/> I’ve been employed paying PAYE sin...

<t>I previously had a joint IVA that successfully concluded 2 years early via a full and final settlement from a family member. <br/> <br/> My job changed last year and my income is half what it used to be and I was hoping to get back to what I used to earn as a contractor. I’m now in full time perm...