hi all

just an update...ive got a telephone interview on Monday with a debt advisor from the CAB...ill take it from there

thanks for the replies...so whats best...just fill it in and apply or go and see CAB?...or do i go down the IVA route...confused.com...do i need to wait for the paper work from the courts or the attachment to earnings to kick in?

ok thank Michael..i wont have any docs from the court as its going to take a couple of months to process the judge said.....my financial meltdown is imminent..she will want the £500 the judge awarded her...when i spoke to VB the IVA payment amount was around £480..i dont want to do BR or IVA if im s...

Lisa

yes you are correct and also the judge didn't mention/realise you cant do an attachment to earnings on a member of the armed forces...that could make things interesting!

hi..sorry yes i should have made the point more clear...yes im in full time employment and im in the army reserve 19 days per year, my main employment wont be affected by any of this...IVA tried to pursue an IVA but the Ex has around 30% of the debt owed to her so she would vote against it as she's ...

hi...I couldn't do the IVA as the Ex is the main holder of debt and she wouldn't play ball and wanted the court appearance today...I will have to leave as its debt they don't like. Its only a hobby so I can live with that...just wondering what's best to do next...I suppose its cut up the cards and w...

hi all need some urgent help..I've been through the mill again at the family court and I've lost and now they have placed an attachment to earnings on me...I earn around £2200-£2500 per month after tax...my bills are child maintenance £550,spousal main £100, attachment to earnings £500 on £10k amoun...

thanks all the debt ordered is minimal £2800 left to pay the rest is costs...im trying to find out if I owe her the costs or the solicitors as I know she would refuse an IVA out of spite...id rather go bankrupt TBH as it would be over sooner, I cant afford a solicitor as I've only just managed to pa...

hi I've already spoken to VB about an IVA and it seems its the best way forward as I have too much spare money if I don't pay my credit cards to go bankrupt...the problem is I owe the Ex Wife roughly 40% of the potential pot of the IVA debt...I've asked her solicitor for a figure so I can collate al...

thanks Lisa :) i'm prepared to leave the army if I can get this journey completed quicker there's two parts to the award to the ex...a lump sum of £2900..ive already given her £30k and costs of £15k'ish would any of that be wiped by bankruptcy?...also when I spoke to CAB they said I cant do BR as I ...

morning all...I spoke to stepchange yesterday...long story short i'm in massive debt due to a messy divorce, I have no assets as the judge awarded the ex 100% and awarded costs against me!...so I have a combined debt of £50k including 15k of costs..im managing just but the ex has asked for a lump su...