I have £15 000 on a credit card and have fallen behind with payments to the extent I've recieved a letter from a recovery agency demanding the amount in full. I operate as a sole trader designing gardens and landscaping for other companies and have quite an erratic cash flow, which makes it impossible to commit to a repayment plan considering other outgoings and debts. I would like some advice wether to become bankrupt or take an IVA. My total debts are approaching £20 000 including a loan and an overdraft with the bank. I have no assets other than a work vehicle. Thanking you in anticipation-BFS