Unfortunately there are a lot of negative thoughts surrounding people currently in IVA. The worst part occurs when you insist on NOT telling the letting agency about it. The more up front you are the better so just keep plugging away.

Keep in mind that this is not the end of the world! They can do whatever they want to do and you will do whatever you need to do. The bottom line is that you have to take of your debts.

Any type of advice you can give someone in the same situation or circumstance is a good thing! If you would like to do it then I think you should at least give it a shot or you may regret it later on.

I had to wait for months before I heard word one about my situation. It is the red tape associated with the government machine. Personally you should keep on them and that can help you get an answer faster.

I suppose for you there are a couple ways to look at it. You can either pay the monthly debt until you are approved or you can stop paying, making the debt more, then get approved. The only real course of action is to continue paying!

I think every other person that responded is on the right track. There really is nothing else you can do except wait it out anf hope for the very best to occur.

Your story is a darn good inspirational one and I am happy that you stuck it out with your medical needs and demands. It is great to see someone able to say no and keep going forward!

I know it was well worth it for me so stick it out. It always sounds like a big a pain when you are first beginning down your IVA journey but the light at the end of the tunnel is a bright one!

I have had a few long term debts that I found to be more than I could handle and I just didn't pay them. Of course when you do that they get worse. I'm glad for consolidation because that has saved me from a lifelong problem.

Wow - that really is quite unbelievable yet very, very funny! I agree with many here that it certainly gives others a bit of hope. But thank you for sharing?