Thank you all for your support and posts. I do realise this is a place of support not necessarily where someones going to tell me what to do, thats ultimately my decision. I think the push from the middle man was making things feel worse so panic was setting in a lot more. Especially as she was rush...

thanks Lisa for the reply, i think "they" mentioned bankrupsy wouldnt be the best as assests can be taken, such as household items, tv, camera etc That's not strictly correct - only assets with a high value would be of interest. Yes, if the camera is worth say £1,000 you might have to hand it over ...

thanks Lisa for the reply, i think "they" mentioned bankrupsy wouldnt be the best as assests can be taken, such as household items, tv, camera etc

McCambridge Duffy are a well respected firm who do handle IVA's fairly, although I would contact them directly and speak to them, get a feel for them. Contact details here: https://www.iva.co.uk/forum/memberlist.php?mode=viewprofile&u=8021 You will only lose the bank account if your bank is one of ...

So its come to this time in life now that I just cant manage to keep the family afloat and pay stupid interest on credit cards, I was doing the zero balance for a whilst but cant move stuff around now. Have around £37k debt and rent right now. Contacted http://nationaldebtservice.co.uk/ as was one o...