Is an Individual Voluntary Arrangement possible on benefits?

You can do an IVA if you are receiving benefits. What if you are working as well? What if your only income is benefits? Can your partner help you pay?

Could choosing an IVA over bankruptcy be a costly mistake?

Number of people with debt problems increases in Q2 2013. Bankruptcy numbers fall. Are people avoiding Bankruptcy due to the upfront cost. Is this a mistake?

The Minimum Payment for an IVA

There is no legal minimum IVA payment. Do creditors set a minimum? How do you know what you can afford? Can payments change? What happens to windfalls?

The Cost of an IVA

Do you have to pay an up front fee to start an IVA? How much does an IVA cost after it is accepted? How are the fees paid? Are IVA costs standard?