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Is it possible to include a payday loan in an IVA? How to stop your payday loan repayments. Will you be accused of fraud?

Will you have to release any home equity if you do an IVA. How much are you expected to release? What if there is no equity in your property?

Can I do an IVA if I am a pensioner. Am I too old. Is there a maximum age. Can i be forced to release funds from my pension.

Will the gas or electricity be cut off. What about arrears on our utility bills in an IVA. Are we allowed a mobile phone contract.

Can I do an IVA with no monthly payments? What is the minimum payment for an IVA? Can payments start lower and then increase? What about lump sums?

Can you afford to pay the required IVA payments? Can you sustain these payments for the duration of the plan?

Can you do an IVA if you are receiving benefits. What if you are working as well? What if your only income is benefits? What if the benefits change?

Can you keep paying car finance during an IVA? Is it ever possible to include the debt? What if the agreement ends during an IVA?

Can tax credits overpayments be included in an IVA? Will HMRC accept the proposal? What if the overpayments are in joint names? Is an IVA the best solution for tax credits overpayments?