everhopeful2011, If you are expecting creditors to believe you have no surplus income after payment of essential living expenses each month, where is the money coming from for your new car(s)? Not to mention increased insurance premiums. And similarly, how will you repay a new credit card debt? I'm ...

Steven, Could you possibly have noticed by now that debtors post half truths on this forum expecting you to cave in to their unreasonable demands or risk bad publicity? This thread commenced on the 9th June - Why did you not point out Freeman Jones (and most of the civilised world) are not open on S...

Please could the last poster enlighten us as to what he/she believes they are "The Victim" of? I'd be most interested.

"I also don't believe that anyone who made the sacrifices we make in and IVA did it so we can stamp our feet and get everything our own way, I in fact take that statement as an insult not only to my decision to undertake an IVA but also to my integrity." What a wonderful person you are MerlinL14, to...