Thanks for your replays, i also failed to mention that every 3 months i do get a bouns, however this is not guaranteed and the amount can vary depending on how well the company is doing, it could range from £100 every 3 months to £700. In this case would you still advise BR is the best possible solu...

Hi, I am currenty wondering which route to take and any advice would be great. Just to give you some info. I am currently in around 20k debt to various lenders, which was struggling to pay, so stupidly ignored it and stopped paying. It is now 18 months later and it is all catching up with me, so nee...

Hi, Can you please tell me whether or not when calucting income for an IVA or BR- i would have to include my spouses income (if the debt is in my soul name, no joint application), if so would it then be taken into account also how much bills she aslo has to pay with that - i.e insurance, catoluges e...