Thank you for you sharing your experience, much appreciated! It's so unsettling to think what the outcome is going to be. Does the meeting take into consideration what you have spent your credit on or is it basically what you are struggling with and what you can afford to pay?

Hi I've been told that an IVA is best option for me. I'm signing papers in the morning and so nervous incase I don't get accepted! How long does it take once u have signed papers, to find out if I've been accepted or not? Is there any reason I may not be accepted even tho I've been told by Harringto...