If more than 40p its probable that you could propose a viable IVA to your creditors.

If between 30-40p it may be possible to propose a viable IVA to your creditors if monies can also be released from any assets, third parties, or favourable changes in your income or outgoings expected in the future. A debt management or bankruptcy may be applicable depending upon your circumstances.

If less than 30p in £ it is unlikely that you will be able to propose a viable IVA to your creditors. However, debt management or bankruptcy may be applicable depending upon your circumstances.