Confused and scared

[aly]

Hi,

can anyone help me, i have £92000 of debt, am looking at IVAs who is reputable?

this is the first month that i am unable to meet my repayments , can anyone help?
Aly

[mondaynight]

Hi Aly - I am in a similar postion to you with £130K of debt and have been struggling to find a way forward. However I have found that this site has been a big help and support over the last 24 hours keep watching this space I am sure you will get the advice you need

[aguise]

Hi Aly
If you dont mind posting more of your situation, your income, living expenses without the bills, if you own property and if there is any equity, and who your creditors are then others will be able to advise.
Try not to worry you will get help and advice and ther will be a solution.

Ang

[Adam Davies]

Hi
You could have a chat with any of the companies that post on this site,they are all bona fide.
Regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[iva.com]

Hi Aly,

We have a list of firms that arrange IVAs and Insolvency Practitioners at IVA.com. We also display reviews posted by clients of these detailing their experiences (goog or bad) which might help you to make a decision.

Good luck with your search.

Kind regards,
Terry Balfour
IVA.com

IVA.com - Comparing IVA firms by using consumer feedback.

Please rate your IVA firm or Insolvency Practitioner by reviewing them here: http://www.iva.com/submit_iva_review.asp

[Oliver]

Welcome Aly

Feel free to post some more details of your financial situation on this site so we can advise further, i.e
Who the money is owed to
What assets you have (i.e. any equity etc...)
What your disposable income roughly is (your total income less your living costs (excluding all unsecured creditor payments)

Or alternatively contact 2-3 companies on this site to discuss your personal circumstances in more detail with a debt expert.


Best Regards
Oliver

Thomas Charles and Co Ltd.
Experts in personal debt solutions.
Read customer feedback at: www.thomascharles.com/about_us.asp

[ray_a]

Hi Aly

From a personal point of view it is very scarey at first but sitting down and thinking about your problem and looking at the various options is very important.

You have done the right thing by coming on here as i wish i had this site a few years ago.

Don't be afraid and I read yesterday there are 9m people with serious debt problems so you are not alone and infact you have been very wise to face up to the problem!

The other thing and something who has gone through this sad process is that you do have some time on your side!

Good Luck

Ray