is iva the only option left open to me?

[caroline.b]

Hi, I am looking to go this route but I have a number of questions to see if this is the only option left open to me. My outgoings are now overtaking my income and I need to take drastic action as I can no longer survive. I need to understand the process, how quickly it can happen and what the real implications will mean for me.
Many thanks

[indebtforever]

dont worry 90% of all on here have been there you will get great advise on here from all the experts.you have done the hard thing accepting you need help now do yourself a favour and lift the weight from your shoulders by contacting melanie on here she will give you your options[:)]

[MelanieGiles]

Hi Caroline and welcome to the forum

The best thing to do would be to have a chat with an insolvency practitioner to see what your options are. At this time it is best to discover whether you have a debt management problem or a real debt problem. There is a difference, and the former can be turned around perhaps with a little more care in budgeting, whereas the latter may require you to be more proactive and enlist the assistance of a professional who can run through the options with you.

[Soulgrowth]

Hi Caroline ... just wanted to welcome you to the Forum.

Do make a call to a few IP companies and look at all the options. You could do a lot worse than to contact a few the 'experts' who post on the Forum here [:)]

Debbie

[facingittogether]

hi carolyn - just want to welcome you to the forum!

like others have said if you get a few opinions from experts and then you can make informed choices.

our ip is melanie and i can not fault her and her team.

good luck and let us know how you get on

love barb x