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An IVA can now be started based on payments of £100 a month. Why will creditors agree? Is a £100 IVA better then DMP? Would Bankruptcy be a better option?

What happens to your house in an IVA? Will you have to release equity? What if you can’t remortgage? The affect on a jointly owned property.

The debts that are included in an IVA. Is it possible to add HMRC debt? Which debts can’t be included. Can you choose to leave a debt out?

Can an existing CCJ be included in an IVA? Are you protected against future CCJs? What happens to an Attachment of Earnings? Is a Charging Order overturned?

Alternatives to borrowing to pay for your food. What debt management options are available? How to break the debt cycle. Affect on your credit rating.

There are some downsides to an Individual Voluntary Agreement. Strict budget. Payments could increase. Affect on credit rating. Equity may have to be released.

There are downsides to an IVA. What happens if you cannot maintain your payments. What is the affect on your home and credit rating? What happens to windfalls?

It is possible to start an IVA with just one creditor. What if you have recently consolidated debt? How to increase the chance of one creditor accepting an IVA.

An IVA can stop legal action being taken against you? What if you already have a CCJ or attachment of earnings? Can an IVA overturn a Charging Order?