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Handing keys to house back and then IVA/Bankruptcy? which first?!
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You can, theoretically, propose an IVA under any circumstances and with any payment, but in practice most IP's will have their own criteria to stick to. I have seen thousands of IVA's proposed and accepted for as little as £100 per month, but I tend to agree, given the info on here, that BR does look favourite. It may be an idea to get a shortfall figure before you do it, but it is your call.0
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