Hi Melanie

Thanks very much for the comprehensive replies. I guess I need to find a way to release some equity, although it will not be easy.

Yes there is about £150,000, depending on the exchange rate, of which my share is £75,000 as the house is jointly owned by my wife. However, in France, equity release is not allowed - I already went down that route - and in any case, French law limits mortgage repayments to 35 per cent of income - a...

Hi Melanie Thanks for your reply. I still earn money through a UK business - I am self-employed - and would want to fund the IVA through that. The problem is that the amount I earn is substantially less than I need to repay my current debts. I don't really have assets to realise. My only asset now i...

now live in France, although I still have UK bank accounts and income. I also have UK debts of about £125,000 owed to the Inland Revenue, various bank loans and credit cards. How easy is it for me to get an IVA? Or is it not possible?