Hi, I have finally plucked up the courage to change my bank account & secure my income as advised previously. I now need to work out which is the best option for me Bankruptcy or IVA I am not sure. I have no assets & live with my partner who although he knows I am in debt he has no idea how much. I ...

Thank you, I know this may sound silly, but most of what i owe is to my bank, would i be allowed to do this ?

In reply to Melanie, no I am not a property owner.

I have 12.880 in debt to companies (bank mainly), 2.500 to a friend & 12.500 approximately student loan debt. I think the student loan has to be paid whatever & that is deducted from my wage every month automatically. I just feel engulfed in debt I have never managed to get out of debt since leaving...

Hi Joan - How much do you owe? Do you work? Has anyone spoken to you about the options available? If you can't meet your minimum monthly payments then you need to speak to an Insolvency Practice - there are lots around and the reviews at www.iva.com might help to point you in the right direction. I...

I have a considerable amount of unsecured debt I do not own anything & i am struggling to makes ends meet every month my pay goes in & doesnt cover my overdraft what do i do ?