Many thanks for all your help everyone, it's very much appreciated

Quick question....when do you stop trying to pay your creditors if you're starting an IVA? I mean, if you contact an IP and start filling out info for an IVA do you still keep trying to pay your creditors or do you just stop paying full stop? Or do you stop paying once an IVA is made out by your IP ...

I live with my parents at the moment, so the details my creditors have is the same phone number and address of my parents. I would hate for them to have to be harassed by creditors asking for me, either on the telephone or heaven forbid knocks on the door if I went through with an IVA. Is this somet...

I'm looking into an IVA, but I'm also looking to move to the USA mabye in 2010. Would I still be able to move as long as I pay the monthly payments or am I tied to the UK for the period of the IVA?