i just dont know what to do?

[fudge34]

Hi
A good place to start is with your local Citizen Advice B and ask for a money expert to meet with you to explain BR.

You can find lots of things on the net about BR this site has a sister site that you can check out -the best advice I had about it was from my mortgage broker who told me that credit agencies and mortgage lenders don't actually see a difference between taking out an IVA and being made BR so if you are worried about your financial credit worthiness in the future you can be rest assured that there is no / little difference btw the two!

I would look at this as a fresh start, you need to focus on your baby, and this is the best time to sort it out because when the baby gets here you won't have the time to worry about this! Also remember that after a year you are discharged from BR - and you can look to taking on a new mortgage or getting your name put back on the deeds if this is the way you want to go shortly afterwards. You will of course have to take into account the fact you may have to pay sub lender rates but to be honest my mortgage broker reckons that after 2 years after being discharged from BR you are treated pretty much the same as everyone else.

[Skippy]

Hi Natalie, have a look at www.insolvency.gov.uk. There is a lot of information on there, and you can also complete the forms online, which is what I did.

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/