Thanks for your advice we really are totally confused now. We dont understand why cccs have said this. NR is not one of our creditors We owe 42k to lloydstsb,16k mbna,Egg 15k,mint 11k rbs 5k,cap1 6k m&s 11k a fiat personal car loan 3k adams card 5k then various small amounts like next 400.00 catalog...

Hi This is all new to us but can you offer any advice. My Husband and i have contacted cccs regarding our financial problems we owe approx 124,000 in unsecured debt and our annual income is 57,000. our avail surplus is approx 1300.00 per month. We were hoping for an iva arrangement, but after going ...