melanie. sorry to post on this thread, but after speaking to Tina, I am still waiting to hear directly from you.

thank you melanie. i can manage Wigan [manchester at a push!] can a F&F settlement be offered without the need for a full IVA agreement? i am still self employment but limited income; hence the possibility of looking for paye work. also, can i still retain directorship of a ltd co; to move the main ...

thanks for that feed back.
i'm based in lancashire - general consensus recommends face to face, so perhaps she/they are not local enough; sadly.

this site seems to have many reputable advisors; so not sure if i can ask this but are members allowed to 'suggest' a good company - or if thats not allowed; say who to avoid; if only due to fees etc.

thank you all for quick replies. i wasnt sure if i could include utility bills from a business, so this information helps. with an IVA can i still move forward as Director of a ltd company? finally i have equity and would consider selling my house to make this all go away, but having fought a very m...

self employed for the last 15yrs. managed various debts inc CC's, unsecured loan, mortgage until approx 8mths ago. new business venture as sole trader caused increased debts [mainly utilities/non dom rates]. Equity in home but problems meeting mortgage at present, but transferable skills means i can...