i understand the gravity of the situation but the question is how far do you go back because if i had to declare all of it i may aswell sign on now and stop paying everything and wait for it to implode because unlike alot of people our joint wages are not massive and with three kids and living in a ...

the main issue is looking to the future but when you have supplemented your income for so long its a worry.
we are now not earning enough to pay our outgoings but the bit that concerns us is if we go down this route how many questions will be asked about how we have survived for so long[:(]

Hello, I'm after some advice and opinions, myself and my wife owe between us 47000 and are currently struggling to keep up the repayments for the 2 credit cards and three bank loans we have but the main issue we have about going down the IVA route is that for a long time between us we have earned a ...