Reducing payments

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Indebtagain

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Post by Indebtagain » Mon Apr 28, 2008 8:48 pm
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My little girl has been really ill and shes been in and out of hosptial for the last few months, we are now struggle with the bills as not only will i have to start taking unpaid leave on the days I am not at work as I've used all my holiday and sick leave, the cost of going to and fro to the hospital is really adding up.

If I contact my IVA will they reduce our payments, we will manage it but it will mean living on hardly any food and by that I mean just having dinners like beans on toast etc so not a balance diet. and we will have to use the money we save monthly for our MOTs etc

Thanks
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Lisa2009

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Post by Lisa2009 » Mon Apr 28, 2008 8:50 pm
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Your daughters health is far more important than your debts.
Have a chat with your IP and see what he /she suggests. You should still be allowed to eat healthily.
Have you any assets that may be at threat under bankruptcy?
It would give you closure and allow you to both concentrate fully on getting your daughter better without added stress.
http://mrsskint.blogs.iva.co.uk/ 'Our Story'


Nil carborundum illegitimi
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singlemum

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Post by singlemum » Mon Apr 28, 2008 9:02 pm
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Mrs skint is rigth, your duaghters health is much more important but I'm sure your finances are really adding to your stress. I'm sure you could you talk to your IP as your circumstances have changed. The forum experts on here should give you some advice soon. Hope your little girl gets better soon xs
forget the bad stuff, remember the good stuff!!
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MelanieGiles

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Post by MelanieGiles » Mon Apr 28, 2008 9:10 pm
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You absolutely have to discuss this matter with your IP, who ought to be very sympathetic to your plight. And if they don't just let the IVA fail and consider bankruptcy proceedings.

Your little girl is so precious, and must receive your number one attention. I do hope that things improve for you soon.
Regards, Melanie Giles, Insolvency Practitioner
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Indebtagain

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Post by Indebtagain » Mon Apr 28, 2008 9:12 pm
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Thanks everyone, I'm back at the hospital tomorrow but will ring them as soon as we get back.
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Lisa2009

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Post by Lisa2009 » Mon Apr 28, 2008 9:15 pm
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Good luck.

Im sure im not on my own in wishing you all the best and sending big cuddles to your little girl. I really hope shes feeling better very soon xxx
http://mrsskint.blogs.iva.co.uk/ 'Our Story'


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Indebtagain

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Post by Indebtagain » Mon Apr 28, 2008 9:24 pm
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Thank you
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facingittogether

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Post by facingittogether » Mon Apr 28, 2008 9:35 pm
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just want to say that i wish you and your family the very best and i really hope your little girl gets better soon!

like others have said your iva has to take a back seat here, your little girl is so precious and is your main priority!

your ip should be sympathetic to your case, good luck and i am thinking about you

love barb xx
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