Debt Advice Please

[ljcuss]

HI
Can anyone help I need it my husband is full time employed, I have just go a part time job which I start next week, however I am self employed but because I do my own tax I am unable to prove my income from that, and going off what I bring home and my husband brings home and the tax and child benifits we are just slightly over each month and I mean slightly roughly £200 left a month we have 3 credit cards a personal loan, and I don;t know if secured loans can be covered by IVA's can they ?
I don't know which way to turn and would like some advice and also advice which company is best to talk to and the cost of company services too.
anyone help

many thanks
Louise

L. Cussans

[couple31]

Hi Louise

Welcome to the forums

Secured loans can't be covered by an IVA

Some experts will be along shortly to give you more thorough advice.

[bagpuss]

Hiya x

this site might help you....http://www.iva.com/



Angie xx


My IVA Story......http://bagpuss.blogs.iva.co.uk/2007/09/ ... iva-story/

[MelanieGiles]

Hi Louise

I am afraid that secured loans cannot be included within IVA proposals, and you will need to maintain payments towards that to ensure that your house is not put at risk.

With regards to the credit cards, how much do you actually owe and whose name are they in?

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

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp