I know, it is a shame, but I only received a letter about BR two weeks before the court date was due and was not able to get a loan. And since I am bankrupt it is even more impossible. I live in England for four years only and I have no family or friends who could lend me those money. I am fighting ...

I was just reading some information here about IVA and realized that there is a condition that I have to be over 12k in debt. Is that right? My total is 5k, does that mean I can't go for an FTVA either? I am confused... There seems to be no way out.[:(]

Thank you both very much. I will definitely try to speak to my receiver today. Mentioned FTVA - is this going to affect my credit rating in the same way as IVA does?

Hi. How long after becoming bankrupt can it still be annuled in favour of IVA? Is this information correct? I understand that after being made bankrupt I can apply for IVAs and have the BR annuled...? I have been made bankrupt because my ex partner did not pay his debt and my name was on one of the ...