Hi I clearly need an iva but am petrified taking the step

[kazzafunk]

LOL - very funny!!! Good job I don't have staff anymore isn't it!!

[recovering]

Hello, I am home ...just... I was supposed to finish work at 3[:(]so I havent, but not cos I dont want to!

[kazzafunk]

Let you off just this once!! lol. Have a sit down and a cup of tea!

[recovering]

I absolutely am doing it tomorrow am leaving work on time full stop! I really want to sort it I hope I can do it quickly

[kazzafunk]

Just take your time recovering. Have a good read tomorrow, then when you have taken it in you'll be able to start to get on with it.

[recovering]

I think I already have most of the info, well i think thats what the ip contact said...

[Rosepetal]

hi recovering, hope you're ok.

....you've already "told someone..." US[;)], you're not alone. will be along tomorrow to give you the requested kick[;)].

you will get there - honest!

[recovering]

thank you...

[Rosepetal]

if you have most of what you need you'll soon get it sorted.

it is a horrible time, BUT having been there,got the t-shirt we can say it will get better,hug

[recovering]

I opened the pack, I just don't know what to send or do am in a panic now, the bit about legal procedings has made me feel sick, i have no day off for at least 7 days to arrange valuation .. I want to go to sleep

[kallis3]

Don't feel sick at all - it is legally binding but that's to protect you as well as the creditors and is nothing to worry about. Just arrange a valuation for a time that suits you.

If you are not sure about anything then ring the company concerned and they will go through it with you.

[recovering]

It was the bit about my creditors taking legal procedings against me before the iva, could stop it?

[kallis3]

It is highly unlikely that they will but, if they threatened to, your IP can take out an interim court order to stop it.

Nothing to worry about at all.

[recovering]

I suppose it all looks worse in print? thank you for replying. i have emailed my administrator, i suppose as i usually do things immediately i am freaking out, its sods law i have no time off work this week[:(]

[kallis3]

Don't freak out! You just need to get all of your paperwork together now - if you're not sure exactly what is needed then just check and then get it all together to send off.