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Assessing the Clients Income Expenditure

There is no sense proposing an IVA or a debt management plan which your clients can't afford. We will check their income and expenditure by reference to bank statements and wage slips and referring to the British Banking Association guidelines, a copy of which can be downloaded by clicking here.

Creditors do appreciate that people live at different levels; our role is to make sure we properly manage your client's expectations on what is reasonable.

In addition to the client's salary, there may well be an additional income from a third party. This may be in the form of child maintenance, contributions from a parent or partner, board and lodgings from a third party, tax credits, child benefit, etc. Including an additional income should not pose any problem providing that written consent is obtained from the third party.