Thankyou everyone,

I can see the light at the end of the tunnel, at last.

[:D] I just want to say a very big thank you to every body on this forum. I have received a phone call today from Sarah at Philip Gill & Co telling me our IVA has been accepted. We are so happy, we can tell you. I had been lurking about on the site for a few weeks before we got the courage up to ask...

Hi Ruby, thanks for you reply,[:)] it is really encouraging listening to you. I was trying to figure out ways to put off visitors just in case somebody did knock [:I]. I am sitting here just working out how much more income we have left to come to us this month after all the neccessary things have t...

Hi, thankyou everybody for your replys. I have been in touch with thomascharles and have started the ball rolling. We are in the process of gathering all paperwork needed, ie, statements, wage slips, etc etc, and have agreed a monthly figure to propose to the creditors. I have cancelled all DD & SO ...

Hi everybody, Myself & husband want to speak to somebody (an IP ) about an I V A, but I dont know where to start. We have debts of approx £60000, 14 creditors and a possible disposable income of £350. I dont know if we should include settlement figures of the loans we owe or total amount oweing left...