me again long sorry and may not make sence

[lisa]

ok so no post no phone calls im getting scared now,10 days to meeting, does any 1 have any experiance with council tax, they have inc my arrears in my IVa prop im woried they may refuse this now, as i guess they reason been i had a letter asking me to ring them saying they got info from DFD do i ring them or do i ring DFD n ask them what to do, god this gets harder, dont want to ring council n them be funny on phone with me or say they not gona approve it ecvtect i mean u can go to jail cant u for c tax if that happen i loose everything , gosh 10 days to go n im a wrek, found out i need to go in to hosp to for minor op so im stressed to the max, at min, im ok though as get full sick pay for 4 week n be off a week at most, do i need to tell DFD this too? i mean im not gona get any less monwey or anything, why is life so hard.
cause i messed up i guess.
will DFD sort out a payment plan if IVA fails and do this cost as mush as an IVA.... sorry questions again but asking things as i thinkof them,
gona

[gimmewine]

Lisa, can I ask you a question. With the op scheduled are you worried if the doctor does not contact you beforehand? I would guess not as you would not expect them to.

You are making yourself ill constantly worrying about what if's. The reason for the quiet is probably because the information of the meeting has now filtered through and the creditors you have are waiting for the outcome just like you. Try sitting down with a brew and a blank piece of paper. List your worry and the worst possible outcome, then list what you can realistically do to ensure it does not come to that and start ticking off those steps. I find it always makes me calmer because I am doing something constructive and it puts me back in control. I find that in 99% of cases I have been worrying unnecessarily because it has not got to the worst possible outcome.

Chinny up, there is a solution for you and you will feel a whole lot better afterwards. Just to let you know, with me being scientific about worry, I actually find in 99.9% of cases it does not come to the worst at all, and I have worried unnecessarily. It's only money, your health is far more important, concentrate on looking after that and let dfd sort the bits of printed paper.

[scaredkez]

lisa, relax, the post and calls will have stopped now as they will all have been informed of your creditors meeting date this is normal, i have no experience of council tax in iva, but ring your ip and they will deal with it, i am sure you won't go to prison they are too full been on the news again this morning.
cross the other bridge regarding DMP when you come to it, just get the creditors meeting out of the way and then at least you will know where you are, it will go very quiet now and that will feel strange in its self, relax and concentrate on you.
take care kerri

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

[sps]

Hi Lisa
Haven't replied to you before but have been reading your posts and really feel for you. Stop beating yourself up - everyone on here messed up but none of us did it deliberately things happen in our lives circumstances change and you are dealing with your problems. I know it's easy to say but a couple of months ago I felt just like you all I could think about were our debts and couldn't see a way out. You have enough to think about with going into hospital and can't do anymore till the creditors meeting. Sorry I can't answer your questions about council tax but Melanie or someone will be along soon and thats whats so good about this forum to ask questions as you think of them. Take care
Sue

[lisa]

u no what worrys me most..... i kept this from my hubby i got us in to such a mess, so when he found out n i sugested an iva he was yeah lets go for it, but if the IVA fails he wont forgive me, we had so many row over money, n me hiding things from him, so if it goes wrong im out to loose everything i care about, n regard op i had a cyst in my foot for mths its taken 12 week to see surgoen but as i do i thought hed say oh dont worry its nothing never expected him to say need op, im so used to been up n about with kids ect i go running and fingers crossed can do the racefor life again this yr i did 2 last yr a rwace for life and a cancer reserch race 1 3miles 1 was 6miles i was in training for the great nth run this yr but due to foot had to pull out i feel that everything i try to do goes wrong, sorry again

[tracy.h]

Hi Lisa ,please stop apoligiseing you have not commited a crime,if you say your husband didnt know that you had got you both into such a mess how did he think you were affording nice things for the family,because i should think that and maintaining debt already aquired is like most of us where the money has gone,dont be so sure that he doesnt take as much blame as yourself,if hes anything like my partner he let me get on and run all monies and bills that were coming into our home,and he wasnt stuiped enough when the s... hit the fan to take none of the blame.
As i have said you have no need to apoligise its not a crime to have debt only if you dont try and pay what you can to rectify your debt,and you have now done all you can,so give yourself a pat on the back and we all hope that your iva will be excepted so you and your family7 will be able to move forward.
take care
Tracy

[lisa]

just been readin a few thing and i found out that ctax cant be inc in iva so why did they say it could be and why has it been oh some 1 please help me, do i have to pay the tax arrears on top of my iva n if so how? they havebeen inc on my proposal

[tracy.h]

Stay calm Lisa one of the experts im sure will give you an answer as soon as they can,have you not rang your the company doing your iva im sure they will be able to advise,maybe quicker than one of ours.

[freelili]

Lisa

Do you own your own home and how long have you missed council tax payments?

Are there any joint loans in your hubbys name or does he have any debts of his own?

LILY

I believe that angels breathe and love will live on and never leave. I cherish all you gave me everyday.

[Sadsack]

Lisa - I understand why you are feeling as you are. Like the others on this forum, they have been where you are and had all the angst and worry - as did I. My circumstances are different to yours being that I am single and have no children or a partner. I got into debt all on my own for whatever reasons, but suffice to say they are probably the same as everyone else! Reprimanding and beating yourself is not going to help and as others have said - RELAX!!!!

I am 8 months into my IVA now after thinking that it would not go through, and although things are very tight and month ends always look bleak, I know that I did the best that I could. Your IP will take care of you, ask them as many questions as you need to. You need to be completely clear about what is expected of you in terms of payments etc and by the same token, your IP needs to be aware of your fears. Keep posting on this forum and ask as many questions as you need to, that is what it is here for.

Gimmewine is right - you need to concentrate on yourself and your family. I neglected myself and ended up off work for 4 months and at the end of the day what I should have been doing was working and doing things around the house instead of wallowing in self pity.

Creditors are not worth getting ill over. They don't care about you - all they care about is money - so why should you sit there and worry about them!!!!

Hang in there - it does get better - I PROMISE!!!!!!!!!!!

Sue

[gimmewine]

Lisa, you are on the what if's again. You've put yourself on a treadmill looking at all the worst case scenarios and going round and round in circles. From one who has been there, there is only one thing that happens if you stay on the treadmill too long, you crash and burn.

So ok, you kept your ever increasing troubles from hubby but you have come clean now and he has not said, I'm off, but let's go for an iva. Instead of arguing about the money, tell him how worried you are it's not going to get accepted, tell him your fears. Tell him you don't ever want to keep anyting from him again, so can you please discuss. If he blows up, give him time to mull it over, face the possibilty of it himself and talk about the options you have should that happen.

Also, please go and see your GP about your worries as well, they may be able to give you some antidepressants just to see you through this very difficult period. Most of all, remember that no matter what happens you and hubby still have each other and the kids and that is priceless.

Thinking of you
Ann

[Andy2]

Council tax debts can be included in an IVA but only previous year arrears. Council tax years run from April to April so any arrears before April 2007 can be included but NOTHING from this year, although of course the monthly council tax payment should be included in your I and E.

Of course this only applies if there is only you in the household and no-one else is deemed liable for the arrears - if there is a someone else then the council can pursue them separately.