husband was rushed into hospital what to do?

[christine.c]

HI
we are in an iva since feb 2007 , everything has been okay until today my husband was rushed into hospital and i know that i won't be able to pay this months and possibly next months payment.what to do?

[tracy.h]

Hi Christine Welcome to the forum.Im sorry that your husband is poorly,but i would contact your ip asap and inform them of these knew circumstances.Im sure they will be able to suggest a way forward.
Because this situation is out of your control then im sure they will view it with sympathy,i take it your husband doesnt recieve sick pay or is maybe selfemployed,in these circumstances i dont know if a holiday break would be allowed as it is so early into your iva.
Im sure one of our experts will advise.I hope its nothing too serious and that he will soon be back home and feeling well again.
Take care
Tracy

[Oliver]

I'm very sorry to hear that. Talk to your IP as soon as you get the time and explain the situation. In instances such as these it is likely that you will be able to take a break from your payments until you get back on your feet and then make up for this break at the back end of your IVA.

Best Regards
Oliver

Thomas Charles and Co Ltd.
Experts in personal debt solutions.
Read customer feedback at: www.thomascharles.com/about_us.asp

[iva_squirrel]

Hi christine,

I’m sorry for you and your husband.
I agree with the previous posts, you should talk to your IP and explain what happened. I'm sure he will help you. A break form your payments is most likely to happen.

All the best!

[DebtDummy]

christine, I am sorry to hear about your husband being rushed to hospital. As the others have already said contact your IP asap. Hope hubby is better soon.

Take care

All I have left is my humour.

View my blog http://www.debtdummybankruwoman.blogs.iva.co.uk.

[MelanieGiles]

Hi Christine - I hope hubby will be well and home with you again soon.

You can usually miss up to three payments in your IVA, without the need to formally vary it. Check with your IP if this is the case in your arrangement. If so, I suggest you take those three months off, and review the situation at that stage - but it would seem sensible for your creditors to accept a payment break if your husband is eventually going to be able to return to work.

Try not to worry about this - there are more important things to be concerned about at the moment.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

[suzz]

Hi Christine hope hubby is not too poorly and is soon on the mend, sending all my best wishes and thoughts to you and your hubby for a speady recovery.

Suzz

[Skippy]

Hi Christine, first of all (and most importantly) I hope your hubby is soon on the mend. Speak to your IP - they should be understanding about something unforeseen like this. My IVA was only deemed to fail when I missed 3 payments - if yours has the same wording I would do this to give you a chance to see how things pan out.

Good luck, and please let us know how you get on x

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

[scaredkez]

hi christine, just read your post, hope hubby is ok, please keep us posted and let us know how you are both doing.
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/