I don't really care any more about who knows my business,yes i'm ashamed,and could throw myself off a bridge at times, i've made my first payment though, i am on the road to financial freedom. The banks and creditors, oh i am getting so bored of those two words, ahem, look at the mess they have gotten themselves in, if they'd lent responsibly, not gotten carried away,a lot of us would not be in the place we are in. Of course i hold my hand up and say i got carried away too. I say to the people who judge us and stuff, up your bum, watch your back, it's a very thin financial line these days, anyone could be turned upside down at any time.Even the most solvent. All i care about is making sure that i have some quality of life whilst i am in IVA jail, make my payments on time, support those who are worse off than myself via this forum, etc etc.We are the brave, upside down from time to time gang, who will bounce right back up in no time at all !!!!