They were my exact thoughts Melanie. They got an IVA firm to contact me and I had a chat with them but I havent taken it any further at the moment. I am trying to get to the end of April when I will get a bonus (didnt get one last year) as I would like to clear some debt with that. Is that the right...

Thank you for your posts, I spoke to a debt management company the other week and they told me to say nothing about the horse and that an IVA sounded the way forward for me. How can I keep quiet about him?! I need to try and keep him if at all possible and keeping quiet would not get me anywhere.

It doesnt matter how down i feel about my financial situation, I come on here and read posts and someone always makes me smile - thank you Scirocco

Sorry Paul, missed that in your first post, he is 17 and would prob be worth between £1000 - £1500.
Thank you for those words Jan, my view is that if it breathes it has a home for life

Hi Paul, my livery is DIY and costs range between £100 - £150 a month depending on summer/winter and shoeing. I have a spreadsheet on my pc at work which I enter my fees into each month and it also gives me an average cost, will have to take a copy of it and get it onto my home PC.
Mandy

Hi, I own a horse and was wondering if I would be asked to sell him if went down the route of an IVA. He does not have a huge monetry value but to me he is priceless as I love him to bits, I have recently got someone to part-loan my horse 3 days a week which means they pay a proportion of his upkeep...

Thank you Melanie

Thank you, that's reassuring.

Thank you guys

Hello, are the CCCS guidelines for allowances published anywhere for viewing?

Thanks in ancicipation

Mandy

Thank you Melanie, I am a software tester.

Thank you Paul, still trying to weigh it all up.

Sorry if it seems like I am asking a silly question. I have searched this fab site for the answer but cant seem to find it. I would like to know who needs to be informed of a persons IVA other than the creditors? for example would my employees need to know?

Thanks in anticipation

Hi, could anyone give me good/bad experiences of using RMS Tenon for an IVA?
thanks in anticipation.