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IVA Abroad

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Hi Newbie here!

Been browsing & seen some helpful comments so hoping a few may come my way now!

So, a few poor choices and a sprinkling of bad luck & I now have 70k of debt made up of -ve equity shortfall loan, credit cards student debt, heaps of charges etc

We knew we were struggling and so emigrated to where I could recieve a much better income...the plan was to sell house no probs nor profit, keep paying student loans, consolidate cards & with increased salary pay off outstanding debt within 2.5 years. The sums worked...however...this was just as credit crunch etc started...2008...card interest went ot 30%, pay was cut massively etc.

went on DMP whilst house sale sorted etc...currently will take 16 years to pay

if we came back I woudl have no job and we would have to go BR immediately & good new is my family are settled where we are.

Am i able to access an IVA whilst living & working away?

we are not extravagant...despite the above figure! But I am getting hopeless at ever being able to provide for my family, have a social life, buy a house again etc.

Any thoughts folks?

Many thanks
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