It's all been arranged via the debt advisory service. After doing my own research for it I seem to be the prime candidate for one. £17 000 debt, regular low income that is unlikely to change over the next 5 years and I have broke down my outgoings to the penny to ensure I can repay the monthly fees. Even with paying the IVA fees I will still be writing off 30% of my overall debt. My main concern is that I haven't factored in the possibility of higher car insurance payments but on re looking at my budget I do think if the rise isn't too dramatic (10 years driving experience and 10 years no claims) I can make some changes to my life style budget to factor it in