I currently have a DMP operating with payplan but desperately want a IVA because my debt is £60000 and i only get state sickness etc benefits and it seems no provision for a IVA can be made unless i find a job over 16 hours a week, i'm 57 years old and getting a job is gonna be difficult and if only low wage my creditors will end up getting less then i can pay now, what can i do stop this problem which i know i stupidly created myself.
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