Thanks - I think my husband spoke to someone at the Insolvency Service who also suggested this and said that there were some template letters we could use to send to them so we're going to look at this tonight. It certainly makes sense to save the money we would have been using on those payments to ...

Thanks so much for your supportive words everyone. My husband took the plunge yesterday and made a few phonecalls and we are on the way to making a decision about what is best for us to do. It seems that we would certainly qualify for an IVA but we are just working out whether it would actually be b...

Hello I've been building up the courage to accept my situation for a while now and I can no longer bury my head in the sand. For too many years now my husband and I have been spending far more than we've been earning and the situation has reached a critical point. We had a little boy just over a yea...