www.iva.co.uk

Still looking into an IVA and wondered how old does the debt need to be? When I was speaking to step change they asked how old it was.

I have some credit cards which were balance transfer and they are still on 0% does this matter?

Thanks

The main thing they want to know is whether you have gone out in the last couple of months and borrowed a significant amount.

Credit card usage, balance transfer and the like are often used right up to the point you decide on an IVA, in an effort to keep afloat.