Additional Employment during IVA help.

edited 30 November -1 at 1:00AM in IVA & DRO
3 replies 1.7K views
Dreamer80Dreamer80 Forumite
60 Posts
edited 30 November -1 at 1:00AM in IVA & DRO

My husband and I have recently entered into a joint IVA with Stepchange. All payments are coming from his salary.
Due to ill health and family commitments, I have been unable to work for the past few years.
I am hoping to be able to return to employment within the next 12 months.
My question is, will I be permitted to keep a portion of any potential earnings or will Stepchange expect all to be paid into our IVA?
Thankyou in advance :)


  • sourcratessourcrates Forumite, Board Guide
    23.7K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You will have to re-budget wont you.

    Only disposable income goes towards IVA payments, if you start work again, your expences will go up in line with that, for example, more fuel/wear and tear on the car, or public transport costs, clothes for work, lunches, etc etc etc.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File and Ratings, Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
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  • PrettyKittyKatPrettyKittyKat Forumite
    1.3K Posts
    Was there anything written into your proposal about what would happen if you went back to work?

    Were there any modifications related to you returning to work? Or an increase in disposable income?

    You would need a complete I&E review if you did return as your outgoings would change also. It is likely that you would need to increase your payments by 50% of the increase in DI, as long as your proposal or mods don't say otherwise!
  • semikie123semikie123 Forumite
    2 Posts
    Second Anniversary
    This should have been stated in your paperwork, mine states the amount I am allowed to earn PA before informing Step Change If I earn more I think they take 60%
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