Congratulations, just completed my second year so getting there! X

This is a question on my mind as I know someone who has done just this - bankrupt in August and IVA in December??

Good luck for tomorrow, we have all been there and I for one say you will soon start to feel the relieaf xx

I recently had a personal injury claim which I was allowed to keep, I did not have any loss of earnings which I believe was in my favour. Could this be an issue in your case Pollyann?

This just proves how valuable this forum is for people looking for advice - good luck to all x

I had a salary sacrifice car when I entered my IVA and it wasn't a problem - good luck

Not sure how this can be considered a no no while in an IVA - it was very clear that we were both responsible to pay these debts as they were joint and from correspondence received by my husband he had no choice but to pay them. While he did pay the full amount to Halifax a lower amount was agreed t...

I am in an IVA but my husband is not and while I understand that joint debts are the rsponsibility of both lenders I am confused on the following issue. The only joint debts were overdrafts on two current accounts and my husband decided to pay off both of these as he was unhappy with other options o...

So sory this has dragged for you Bex it must be agony as I know how I felt but only had to wait a few hours for my call, not long now xxx

Hang in there Bex it will soon be over but my meeting was 10.45 and others who had meetings on the same day got their call well before me - I was frantic but all went well. What I am trying to say is it might take longer than you think for the call but it will come. Good luck x

Thanks for your reply Melanie, i found the forum just as I was waiting for my meeting as I was desperate to know if I had made a good choice with my IVA company and it really helped me in those dark days of the unknown! I am sure that the posters who come here asking for advice before going ahead mu...

I am not with your company Melanie but you are such an inspiration in making me feel that being in an IVA is not the end of the world and I am doing the right thing to combat my debts. Along with the other experts on here I feel hopeful for the first time in a lot of years. I am not a very regular p...

Good luck Bex this is the worst bit but it will soon be over and you will feel the relief x

I was not in arrears with any of my debts, I just knew it was time to do something. Good luck

Congratulations, that feeling of relief is priceless xx