Hi everyone ... hope you are all doing well ... long time no 'speak' ... good to see that you are all still around and that IVA.co.uk is still doing all its good works as usual. Can anyone remind me how long the 'bad debts' stay on one's credit report and what one has to do to have them removed. And...

I try to pop in from time to time Melanie, and often lurk ... like so many others, this Forum has given me so much help in the past that I like to be able to give something back if and when I can [:)]

Debbie

This is one of the attractions for going the IVA route George ... it should enable you to keep a roof over the head of yourself and your family.

All the very best

Debbie

Just wanted to add my condolences Phil.

Debbie

Hi James

Just wanted to say that I am a University Lecturer and local Minister ... and having an IVA never in any way negatively affected my professional or social standing

This will be an opportunity to take back control of your life ... all the very best for the future.

Debbie

Haven't been around the Forum for a while ... but am a bit of an oldie ... Michael, just wanted to say how great to see a representative from McCambridge Duffy giving professional advice on the Forum now ... you folks (Emma Holmes and Dorothy) were absolutely brilliant in originally setting up my ex...

And a very peaceful Christmas and a healthy, happy and prosperous new year from me too. I haven't been around much of late due to other work commitments ... but I just wanted you all to know that my thoughts are often with those I count as my friends here on the Forum. My thoughts are with everyone....

Sometimes a break can help people to see a bit more clearly ... and hopefully your husband will begin to see the light and what he's missing. Good luck ... and many more nights out at the pics! Sometimes you have the need to be courted again don't you [:)]

Debbie

I keep hitting wrong buttons tonight and freezing things ... so that I have to go back and re-type them!

Debbie

There's never a problem to being in control ... the key is understanding the difference ... that is that ... we cannot control the things that happen to us in life, but we can control the way we choose to respond to them or allow them to affect us [:)]

Debbie

I really haven't plucked up the courage to look at mine yet ... I really must soon.

Debbie

A bit like my system then [:)]

Debbie

Sometimes writing one's story can be a very cathartic and therapeutic experience Hara ... but whether to go for publication which might identify you is quite another story! Lily makes some very valid points. Have you thought about beginning to write your story but starting your own blog here on the ...

Skippy is a great inspiration and example of a survivor of bankruptcy Dee [:)]

Debbie

That's true Skippy. I pay the main bills in life on DD ... mortgage, council tax, income protection payment. The odd yearly bills car insurance etc. I pay up front in full ... most other monthly outgoings ... gas, telephone etc I pay by online banking transfer. I do tend to be quite organised and ha...