Paul - that first question is tricky. The income & Expenditure seem fine on paper, but however much we cut back, the money doesn't last. We chose an IVA because we wanted to be good people, and try to pay back the money we owe. Also, the bankruptcy seemed so drastic. Footiemad - thanks, but I have a...

We have been in an IVA for two years now. It was such a relief to do something about our debt problems, but now I am starting to wonder if bankruptcy wouldn't have been a better solution for us. We owed just over £50000, and are paying back £550 a month, but are expecting it to increase as we are wa...

Karin - makes you wonder, doesn't it?

My goal is to start saving money after my IVA, to never ever have a credit card again and to be very careful with money.
We will be saving to move to another country too. Britain is driving me bonkers.

This was just the question I wanted an answer to.
Thank you both. I will check out Duncton Specialists now