Thanks for your prompt and helpful replies. Am lucky that my situation is straightforward. Will post and update on my hearing on the 25th July. Good luck to NotSoBrightSpark and all in the same situation....

Hi, I have a combined unsecure debt of £81,000. Have booked an appointment at county court for a bankruptcy petition but was asked by a friend to check IVA out first. Am a professional engineer but finishing job in July to care for 2 children while working part-time as a care assistant in care home....