Hello all and many thanks for all your comments, suggestions and good wishes. Where to start - I can honestly say that this is probably the hardest thing we have ever had to do. Very mixed emotions, anger, shame, embarrassment, I could go on. Anyway, as for our situation, we are approx 54k in debt, ...

I am in the early stages of possibly going down the route of an IVA, can anyone give any advice or suggestions - is it a good thing?