HI Baz
This is never going to be a nice time. You need to be prepared to receive a few snotty letters and nasty phone calls from creditors. However, remember, you are on the right path and you are not alone. It is going to seem difficult but remember, 1000s of peopole have gone through the IVA process and lived to tell the tail.
Just keep focusing on the end game which is that in a few weeks, your IVA will be in place and all the creditor hassel will be behind you.
James Falla
Expert in IVA, Bankruptcy and informal Debt Management solutions, with extensive experience of solving personal debt problems over the past 10 years. I am regularly featured on BBC News, Finance Programs and Radio.
Visit my blog at:
http://jamesfalla.blogs.iva.co.uk