my DMP has only been running for 4 month, and they have suggested it could take 6 to 7 years.
I can make regular payments thats not a problem at all. I just feel im not getting any where. would it be a problem with payplan if I were to get an IVA. They have never suggested it.

Hi melanie i am paying £500 a month. i know all creditors and how much i owe. I didn't realise that i would still recive letters and calls from creditors. is an An IVA better for me or would it be worth sticking with payplan. if it came to it and i had to go bankrupt would it affect my husband as we...

I am currently in £36000 debt, dealing with a company called pay plan. (bebecoming very difficult) I am seperated from my husband and need him to remain unaware if possible. I have considered declairing myself bankrupt? Help