We are paying £250.00 per month and are struggling with this but worried about the bankruptcy side, more importantly our house and want to know at what point do we have to sell the house.

our boiler packed up last year and we took a two month mortgage break, ill get things sorted. thanks for the reply.

many thanks its time to face up and get the I and E done.

Hi Kallis thanks for the reply, we are both worried about losing our house but if it was sold it would probly not quite clear the debts and outstanding mortgage, its like all the worries are sslowly returning.
hope all is ok with yourself.

Hi guys, sorry to trouble you all with a negative story but were now quite concerned. we have fell behind with the paying of our overtime payments and just havent seemed to be able to catch up. Its been made worse by the fact that the last 2 months theres been no overtime and we just dont have enoug...

im going to scruitinise things once more and see if im missing anything, thanks for your kind words kallis.

I think your right kallis but even if we split we still have to sort the finances out, its just not going to go away.
There are always people worse off.[:D]

I wouldnt say were trying to live a normal life, holidays etc are long gone but need to have another look at things.

Hi there
there is a small amount of equity in the house but not enough to clear the debts. Dont think id ever buy a house again given the choice.

the trouble seems that on paper things should be ok but were just not getting by.
thanks for your comments.

We are 15 months into our iva and are constantly using my overtime to live on. consequently we are behind with paying the 50% extra over. Its not like we ever go out or do anything its just that the extra is needed to live on. Weve been married 23 years but i think this is going to be the last as th...

were with melanie and i wont sit on the fence but have no complaints on the advice weve received.
9 months in now.

Hi Ruby.
would it be possible to get a freind to finance the payment.
we will be in the same position in a years time so im keen to see how you get on.
good luck.

Hi there
our first contact was tina s and the advice we received has served us well.
were 9 months into our iva and im not gonna pretend its all plain sailing but were a darn sight better off than if wed done nothing.
good luck on your journey whatever you decide.

you certainly are mel and thats why you recieve such praise from both creditors and clients alike.