mish i am a mother of 3, ok hubby still here, we got into terrible debt the old scenario, i was petrified of going BR because of our home, but it is bricks and mortar at the end of the day and you will find another base, the official receiver will not throw you out over night if you go BR, you have up to a maximum of 3 yrs in your house depending on the trustee, if you have no or little equity you may be able to keep your home as long as you can keep up mortgage payments, a DMP should only be used as a short term solution, if you feel that you can go for an iva and live on the I+E which will be brought down to the bone and pay your creditors back as much as possible then do it, if you can't BR is a solution, its not an easy way out but it will take away the hassle of the debts, the OR is very lenient in BR as it is up to him to keep you solvent, and they are a lot more generous, i am not trying to make it all rosy but it is a solution, you also have to take into mind your daughter is 14 and 5 yrs is a long time to keep saying no to things, since my iva was rejected my sons school outings etc has been unbelievable and they are all curriculum based and have to attend, i would never have been able to afford them in an iva, think long and hard about what you want to do, is it only the house you wish to protect is it worth all the stress, i wish you luck, another thing my area, dentists on the nhs are not cheap at the mo, not there doing the goverment for you, if you go regular to stay on their books a check up is 15.90, you know the cost of a filling, but if you need work within 2 months at the same or lower cost it is free as long as it is not an emergency so one word of warning never admit to it being urgent as they can charge you 15.90 again, your daughters treatment is free, if ever you are struggling to pay them ask to speak to manager and see if you can come to a compromise by paying for the treatment on a weekly basis before you receive it, as the new laws are that you have to pay before it is completed.
good luck i hope there is light for you soon
kerri
Please view my blog at:
http://scaredkez.blogs.iva.co.uk/