Thanks for replay
I have £23000 in in unsecured loans,
and mortagage is on joint name me and dad, but due is my dad disable, i am the one who pays it-£302 per month this includes house insurance, £260 without insurance

Hi,
I owe around £23000 to my creditors
I pay £464 per month for unsecured loans (3 creditors)
£302 mortgage
£112 car finance

£878 all together per month

I live with parents at the moment, so i don't have to worry about food expenses, and bills.

It leaves me around £250-£300 every month

Hi, i have financial difficulties. I am thinking of IVA, but i really don't want to get IVA. I need advice. My monthly outgoings is £1000, my monthly wage is £1250. So it leaves me £250 to survive whole month, i cant tell that's enough, but i can manage. Is it worth to apply for IVA, or shall i hold...