So if i handed over (or they take) 50% of my bonus would that come off my outstanding balance or does it just get swallowed up.

Im also going to get an appointment with money advice to see if there may be any other alternatives before i put pen to paper.

Thanks again.

Thanks Melanie I got that second opinion by ringing the debt advice trust, who suggested that an IVA was defiantly my best option. They also recomended debt matters, who are now sending me a pack to read and discuss with my partner. There was defiantly a diffrent contrast between them, I felt alot m...

Hi guys and thanks for the rapid responce, They have assured me that if my IVA is not accepted by my creditors, then they would give me a full refund of all payments.(i will get that in writting) They also have agreed that i would make a payment of £230.00 per mth providing that i dont default. howe...

Hi i need some help well reasurrance really, i am about to enter an IVA with debtreducers.co.uk, i am a bit worried that they are asking for me to start payments before my creditors even agree to partcipate (which they tell wont even be until mid august. Is this ths standard practise? because i am n...