Unfortunately bankruptcy isn't an option for me. I'm studing to be a management accountant through CIMA and we really dont want to loose the childrens home, they love our house and where we live. We have about 20k equity in the property, we thought about offering a full and final settlement but it w...

My other half has suggested we try counselling before we give up completely. Afterall it's only Money that has put us in this situation, he doesn't want the creditors to get the better of us. We're going to give it a go in the New Year. Got nothing to loose by trying. I'll post an update as soon as ...

Thank you for all your advise. I'm going to talk to our IP and see where we stand. Our relationship is definately over, it's just proved too much.

We have been in an IVA for nearly 2 years now and still finding it stressful. So much so myself and my partner are on the verge of separating. We have 2 children and a mortgage. The last thing I want to do is loose the house (why should the kids suffer for our mistakes) but I dont know how this will...