could turn into my worst NIGHTMARE!

[andrewgoodman121]

Thanks for all the posts that i have received in the build up to my IVA Creditors Meeting while i wait for what seems like a GUILTY or NOT GUILTY Verdict on a Proposed IVA.
I was watching with interest the TV Video of Andy Davie and his experience when he was in the process of going into an IVA and what he said in the video was that applying for an IVA or admitting that you are Insolvent is saying that you are admitting FAILURE!!.
I don't think that i am a Failure by admitting and getting Help.
I don't think that it is failure and i don't feel embarrased by entering into an IVA, just because i have run into Financial Difficulties.
Failure would be Walking out on your family and Ignoring your Responsibilities or Burying Your Head In the Sand!! and letting it get worse and worse.
I Applaud Andy Davie and others on this forum
for being BRAVE!!and who have the chance to be Debt Free while going through the whole process of sorting out their Financial Difficulties.
Admitting Failure NO WAY!!!!
Anyone who has been through this deserves a MEDAL and Don't feel Ashamed that you are either facing Bankruptcy or entering into an IVA.
With the cost of living today and the amount of Credit Available and Mortgages at Sky High Prices
is it any wonder that people are facing this kind of problem, especially when they are trying to raise a family.

[Lisa2009]

Hi Andrew.

I can only echo what the others have said. I wasnt in an IVA but my hubby was. He was so relaxed about it with his "what will be will be" attitude. I however wasnt as relaxed. I would wake through the night shaking. Then when it was accepted it all kind of faded away.
We went through 3 years of his IVA. In that 3 years i was diagnosed with a serious illness and also we were told our youngest son very likely has Autism. It was tough because as much as hubby wanted to be at home caring for me when i was really poorly, he couldnt because payments had to be met so all help and support came from my mum and my friends. This put a real stran on US.
One night by chance i stumbled across this forum. We nervously started asking questions. The support we got was amazing. I used to sit up till stupid o'clock in the morning reading all the posts.
With advice and help from this forum my hubby put in an offer for early settlement. We were pointed towards a mortgage broker (who was brilliant) and we got a firm offer of remortgage.
The stress waiting started me off again with sleepless nights, shaking and crying untill i ended up on anti depressants.
In early december last year my hubbys offer was accepted.
I guess what im trying to say is that determination to pay back as much as possible to the creditors and the support from the AMAZING "friends" on this forum got us through it, the good and bad times so please ask anything you like and keep asking untill you fully understand.
You will look back in a few months and read your own posts on the forum and i bet you will laugh at yourself (i know i did at mine).

Good luck with your proposal im sure it will be fine.

mrs skint