Hello, All your help and advice has been invaluble, Thank you, I will let you all know what we decide and how we get on.
Thanks
Xenia

Hello everyone, OMG there are so many differing opinions on this, I am thinking about going down the road Skippy13 went down begin an IVA, see what happens. If it's rejected then my creditors will have the full picture and i'll prob have no choice but Bankruptcy, and if it's accepted then fab! If I ...

Hello every one, Thank you all very much. I think my Husband and I have come to an agreement, (finally) and will try an IVA, We don't own a property we rent with the council, don't have any really valuable possession's and I have talked again to Hubby about bankruptcy but he really wont go down that...

Hiya Andy, Not at the moment, we are living off of our overdraft and credit cards at the moment, we have been totally unable to clear our overdraft, if we could do that then yes we would have a little spare. Thanks Hi Is your spare £300 per month after you have paid your unsecured debts ? regards An...

Hiya, Thanks for the fast response. My In-laws have been through Bankruptcy, and lost everything, my Husband was in his late teens at the time and the whole thing has left him with huge scars! there is no way what so ever that he would even consider that option. I have tried to mention it. Accuma al...

Hello, We are currently 24000 in debt, with 13500 salary pa and 142 WTC and 212 CTC Income, our 24000 is made up of about 8 creditors, we have about 300 to spare a month. I would like to start an IVA and have contacted Accuma, but my Husband has been talked out of it by His Mum! Do you think that th...