Hi ive been a bad boy, stopped paying my credit cards,5 of them,long story cant afford to pay them,moved address havent told them,now i want to do something about it,iva,or go bankrupt, lloyds have found my address and are threatning legal action ,supposed to pay £300 by 22nd december ,i cant afford it. help
The best thing to do is to talk to an insolvency practioner and get advice asap as to the best way forward for you. There is always a solution.
You can get reviews and a list of ip's on iva.com or you could look at he experts page as there are contact details on there for Ip's that post on here. Melanie Giles is well recommended.
Well done for being positive and all the very best. Keep posting with any questions and let us know how things go.
Yes - you definately ought to seek some professional advice with regard to dealing with these debts. They have nasty habit of coming back to haunt you when you are least expecting it.
Well now that you are realising that you have responsibilities speak to an IP and search www.iva.com and select someone from the choices shown. Good luck.
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
