Hi blondiebon
It is so hard facing up to your situation and admitting you need help.
I remember the first call I made and I had never heard of iva's and I was asked roughly how much debt I had '£21K, I said'. When I got time at home, sat down, added everything up and did a spreadsheet it was £46K, I could not believe it and was in despair as could not see any way out.
I needed help and consulted one company and was taking all they said as I didn't know any better, until I came accross this forum one night, it was a revelation. I got as far as reaching the proposal from this first company, but I felt I had nt been advised properly and the proposal looked flawed even to me.
From the forum I found Melanie and her team who I felt confident in I was always given honest advice and support and I felt less stressed right away as I knew I was in competant hands.
It is a very stressful process and I still worry about things, but I can now see a future and my outlook is so much brighter.
You will have tough times ahead, log onto the forum and share them when you do, but you will get there - whatever turns out to be the best solution for you
Emma x
Be positive & look after yourself, there are more important things in life than debts....
Best Wishes
Emma x
