Made the call

Get expert opinion. This is the place for new questions to be posted.
78 posts Page 3 of 6
 
 

Skippy

User avatar
Posts: 20720
Joined: Sat Oct 21, 2006 6:08 pm
Location: United Kingdom

Post by Skippy » Mon Oct 20, 2008 4:16 pm
I can remember trying to screw up my courage to tell my mum I was going into an IVA - when I told her she was fine, she took it much better than I thought she would. I then had to screw up the courage to tell her I was going BR, and again she was fine - she said oh well, everyone's doing it!

Good luck with telling them xxx
 
 

helpIVA

User avatar
Posts: 110
Joined: Thu Oct 02, 2008 3:17 pm
Location:

Post by helpIVA » Mon Oct 20, 2008 4:17 pm
Thanks Skippy - my parents aren't in a good state at the moment i am so scared this will send them over the top.
Little steps at a time - its getting clearer
 
 

kallis3

User avatar
Forum Expert
Posts: 77176
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Mon Oct 20, 2008 4:17 pm
I don't think there is ever a good time to tell family etc about your problems. I think you will just have to take a deep breath and tell them. I am sure they will be very supportive of you.

Once you tell them, you will feel so much better as it will have been on your mind constantly. I know how you feel. I was the same with my hubby, but after the initial bit of shouting, we sorted ourselves out, and I believe we are stronger for it.

Br seems to be the best solution for you, so go for it.

Best of luck, let us know how you get on.

Big hug for when you tell everyone.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

helpIVA

User avatar
Posts: 110
Joined: Thu Oct 02, 2008 3:17 pm
Location:

Post by helpIVA » Mon Oct 20, 2008 4:20 pm
Thanks Kallis. I have support from my two best friends and they will be there with me to the end. So i always have someone to cry to and get a hug from. Worst of all i really think it wil be over with my b/f but i only have myself to blaime.
Little steps at a time - its getting clearer
 
 

kallis3

User avatar
Forum Expert
Posts: 77176
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Mon Oct 20, 2008 4:25 pm
If he's the right one for you, he'll stick by you. If not, then Mr Right is out there somewhere and won't care about your financial situation, he'll love you for who you are.

We already have one poster who has found her soulmate since going IVA, and they are getting married next year!

At least you have your friends to fall back on, which a lot of people on here don't have.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

Viki.W

User avatar
Posts: 5647
Joined: Fri Feb 15, 2008 7:34 pm
Location: United Kingdom

Post by Viki.W » Mon Oct 20, 2008 4:47 pm
Hey helpIVA, good luck and I hope it goes well, I'm sure that it will. Sounds like you've lots of support and you have all of us too. X
If you would like to talk to me about your debt problems, please visit:
http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
 
 

helpIVA

User avatar
Posts: 110
Joined: Thu Oct 02, 2008 3:17 pm
Location:

Post by helpIVA » Mon Oct 20, 2008 4:48 pm
Thanks guys xx
Little steps at a time - its getting clearer
 
 

David Mond

User avatar
Posts: 4896
Joined: Tue Sep 30, 2008 9:31 pm
Location: United Kingdom

Post by David Mond » Mon Oct 20, 2008 7:33 pm
An interesting fact is that most debtors wish to pay as much as they possibly can to their creditors and are not looking for a quick exit. Whether they can afford to do this or not does depend on their DI and whether they feel morally bound to do so. An IVA is much harder than Bankruptcy but it does create a period of time when the debtor keeps to a budget which helps them out in future life free of onerous debt. 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.
 
 

helpIVA

User avatar
Posts: 110
Joined: Thu Oct 02, 2008 3:17 pm
Location:

Post by helpIVA » Tue Oct 21, 2008 9:31 am
Well I told my b/f last night. All I have to say is I feel like I am a very lucky person to have such a wonderful and amazing boyfriend. A huge weight has been lifted off me. Next hurdle is my parents
Little steps at a time - its getting clearer
 
 

MelanieGiles

User avatar
Industry Expert
Posts: 47612
Joined: Tue Jan 09, 2007 10:42 am
Location:

Post by MelanieGiles » Tue Oct 21, 2008 9:34 am
I knew that he would be sympathetic - they usually are!! You are a lucky girl, and good luck for the chat with your parents, where I am sure you will gain the same response.
Regards, Melanie Giles, Insolvency Practitioner
 
 

Sarah

User avatar
Posts: 240
Joined: Wed Dec 27, 2006 6:44 pm
Location: United Kingdom

Post by Sarah » Tue Oct 21, 2008 11:04 am
Hi

Just wanted to say i felt the same about my parents and was really scared but i did tell them in the end and they were really supportive. They was proud of the fact that i was sorting it out myself

xx
 
 

helpIVA

User avatar
Posts: 110
Joined: Thu Oct 02, 2008 3:17 pm
Location:

Post by helpIVA » Tue Oct 21, 2008 2:56 pm
Thanks Melaine - he is a total star i'm so happy. Will try to tackle the parents tonight.
Sarah - thanks for your support
Little steps at a time - its getting clearer
 
 

kallis3

User avatar
Forum Expert
Posts: 77176
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Tue Oct 21, 2008 3:04 pm
Good news about the boyfriend, I am so happy for you. I'm sure your parents will be ok as well.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

Viki.W

User avatar
Posts: 5647
Joined: Fri Feb 15, 2008 7:34 pm
Location: United Kingdom

Post by Viki.W » Tue Oct 21, 2008 3:25 pm
That brilliant news helpIVA, these men do surprise us eh?! You're in safe hands with Melanie and their team, good luck and keep us posted. X
If you would like to talk to me about your debt problems, please visit:
http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
 
 

helpIVA

User avatar
Posts: 110
Joined: Thu Oct 02, 2008 3:17 pm
Location:

Post by helpIVA » Tue Oct 21, 2008 3:26 pm
Viki he is a great b/f - the thought of not having him was just awful. I think i am going for BR rather than an IVA but melanie's team gave me great advice at the start,
Jan - thanks for your support x
Little steps at a time - its getting clearer
78 posts Page 3 of 6
Return to “Ask IVA Forum and Industry experts”