Hi Michael, just been through my proposal and was told to offer creditors £170 taking into account my partner etc. Feeling quite positive now. I know we can afford that it's about half of what I'm paying currently so I hope i get accepted, just have to wait for proposal then send back and then wait ...

No, none of my family have any money. I have my proposal phone call in 10 minutes. I think I just have jitters because I don't want to admit to myself. I know there are people with a lot more debt than my self but I am currently using my credit card to live from and only making minimum payments- I w...

I'm not expecting a baby... I just would like to continue my family soon. I really do not want to be declared bankrupt! Surely that option is a lot worse and does more damage to credit file, there's so many forms I've filled in where it says have you ever been declared bankrupt, I've never seen one ...

Thanks foggy, I think I just haven't thought of my questions until this weekend and haven't spoken to my advisor- I'm usually following my 3 year old around the house as well so usually get distracted and forget to ask questions! Because I don't want to have a bankruptcy to my name... It's a lot wor...

Thanks Lesley :). Andy I'm proposing £150 a month, and I wouldn't expect my income to have a big increase, I'm planning to have another baby hopefully soon so that would put my career and potentially progression at a bit of a halt! I only work part time at the minute. Do I have to inform IP of every...

Thanks guys, I have spoken to another company but felt like they were too pushy where as payplan have been more at ease with me. My doubts mainly come from what I have read. It scares me that an Iva is just below bankruptcy, and so many posts on here about having to extend? Is this mainly when peopl...

Hi, Im currently in the process of setting up an Iva with payplan, but keep wondering if in doing the right thing.. I owe a total of 11k and I'm only 23 years old, I rent my house with my partner and I have a 3 year old daughter. Am I going to regret taking an Iva!? Or should I just go for it?