Have you got another opinion? Like anything, I think it's good to speak to a couple of companies. I would recommend Melanie Giles if you want to check the advice you've been given so far, as they've been really good so far in my journey.

Well done Foggy, I certainly enjoyed reading your blog

Hi Luigi, I'm only a little step ahead of you, having got all my paperwork to the IP. I'm new to the forum too, but you will feel a lot of support from people in various stages of their IVA. I found this time a bit stressful pulling everything together, but you'll get there and it's another step com...

Thank you Foggy. Your blog was a really interesting read while I had my tea! Look forward to the next update.

I think I've become addicted to this forum! So much good advice, knowledge and people who just get it!! Anyway..I've read so much legal jargon, leaflets, stuff on the net but I still don't understand the difference between bankruptcy and an IVA. I'm pretty sure an IVA is the right option for me, and...

I'm using Melanie Giles and they have been fantastic so far. It's really good to find this forum and be able to ask the questions from people actually going through it. I still feel really scared, but it's lack of knowledge too and I can hopefully pick up on a few things here! I don't think I ever t...

Thanks for that Lesley. Does the completion certificate take a while to come through? I've been reading a lot of posts on this website this afternoon (just found it and wish I had a month or two ago!) and it seems some people wait a while. I have no reason for being so impatient, but like the idea o...

Hi, I'm not actually sure how far through the process I am at the moment as I'm trying to cope with today and not look too far into the future! I think the proposal to creditors is being drafted. Is it normal to pay off your creditors in a lump sum through family help or is this unusual? Also, one a...