thanks claire, your nearly at the end of yours how releived you must be.. i never thought i would ever be in a situation like this...many years ago when hubby left me with 2 kids aged 4 and 5, i wasleft with huge debts and over the years i managed to clear every penny owed, obviuosley i never had credit or credit cards since then, 12 months ago i thought my head was way above water, business doing really well no debts, kids gone to uni, life back on track, then my accountant informed me that she had over looked a load of invoices i had sent out 2 years previousley and that i owed vat and tax man a very large sum of monies plus others, this was like a sledge hammer hitting me over the head , i tried to sort it all out but to no avail, after many weeks and reading this forum i worked out all the pros and cons and took this route... this now seems more stressful because of the waiting and the fear of the unknown. argggggg.... i have the telephne call today then off for the meeting on monday, i think ip then send stuff off to the creditors and then wait for the creditors meeting which i think will prob be end dec, then hopefully if all goes well i can start the new year with everything in place.
thanks for your support