my boyfriend is about 22 thouand pounds worth of debt credit cards and loans and its really getting us down, we cant afford the repayments anymore as have rent and stuff to pay the debt is tottally clearing us out, we have no money left over which means we conitune to use the cards to live off, i feel like we are tottally stuck in a rut, if he applies for a IVA how much roughly do you think we will be paying out on that? and if you apply for a IVA does this black list you???