help! i separated from my husband in jan and have been ignoring all my bills stupid i know! i am now finally trying to get back on track i receive income support and is no where near enough to pay anythink back as i have bank loan catalouges and credit cards all adds up to about 10,000 and dont know what to do is an iva a good idea? as wont get a loan due to bad credit all of this debt is in my name so cant even pass any on to ex most of these have now been passed on to debt agents but want full or half payment and is impossible to give them that what to do!!?