CCCS have been fine with me apart form one person whom I found really judgemental, they have helped me lots. Just want this whole mess sorted out as it is soo stressful. Thanks everyone for the advice Millie x

I think that is taking so long because of me as I have.nt got all the information ready eg, I am awaiting for recent statements from my creditors to send in. I am with the CCCS who are very nre to IVAS. I am so scared of the legal stuff it is vey unsettling, I did think i would be protected in a DMP

I don'tknow when my creditors meeting is as I have got to get all of the inforamtion together first. Also a valuation which is happening this Friday

HI EVERYONE. I am new to the IVA journey and am very aprehensive to say the least. I have been with the CCCS since February 2006 becasuse of lilited income a DMP was the best option at the time for me. However my finances have improved enough for me to apply for an IVA. However I have two CCJS, both...