When you are going through the process of setting up an IVA, your IVA advisor will take down details of your full income and expenditure.
All sources of income will be taken into account, such as your wage and any benefits that you may be entitled to. The same goes for your expenditure, it will allow for incidences such as medical, optical, dental and car maintenance.
The IVA will be based on what is affordable to you after your income and expenditure has been taken into account. However, if your circumstances change or you are really struggling to make your IVA payments, it is essential that you get in touch with your Insolvency Practitioner.