Your trustee will tell you if you'll need to make monthly payments from your monthly surplus income.
The arrangement can last for up to 3 years and is called an Income Payments Agreement (IPA).
If you don't agree to the IPA, your trustee can ask the sheriff to order you to make monthly payments. This is known as an Income Payments Order (IPO).
This will change from 1 April 2015 when IPA's and IPO's will no longer be issued. It will become a Debtor Contribution Order – which fixes the contribution and can last up to 4 years.
How much you pay
The actual amount depends on how much you can afford after essential expenses like food and bills are paid.