can I apply for IVA?

[MelanieGiles]

Hi again

Quite often when I am advising clients, people realise that they really don't have a debt problem, merely a debt management problem - this seems to be the case here.

Have you thought about taking on a second, part-time job to earn a little more money to assist with getting those debts paid off earlier. There is plenty of work around in NI at the moment, especially during the holiday season.

I am sure that things will continue to improve for you soon.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

[kha]

As I read your words I am starting to feel better,really,i could try to earn more money and not to give up the fight.
In few hours here among you I got very good informations,I will try to cope with this myself,I am sure you know better what should I do in this situation because I lost my mind a bit.
Thank you very much.
Best regards

-will update in few days.-

[MelanieGiles]

The very best of luck to you - and another success story for the forum!!!

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

[Adam Davies]

Hi
This thread is proof that this forum is dedicated to giving people the best advice.I wonder if Kha would have got similar advice anywhere else ????

Andy Davie
IVA.co.uk Spokesperson and site manager
(aka Neverending)

Please check out my blog: http://andydavie.blogs.iva.co.uk

View my profile here:
http://www.iva.co.uk/andy_davie_profile.asp

[Soulgrowth]

I agree Andie ... thanks to all you great 'experts' here and sharing experiences with one another in similar situations ... sometimes it is possible to find solutions to problems that you might never thought of existed. I have been truly inspired by the positive feel to the forum

Debbie