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Do i get an IVA
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No, far too little debt for an IVA, they are meant for homeowners with massive debts who cannot go bankrupt.
Would you qualify for a debt relief order instead ?
Failing that its debt management ?
We really need to know more details about your situation, such as are you a homeowner, do you have other assets/cars etc, are you working, on benefits, any other debts ?I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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