So very sorry to hear of your loss I can understand how devastated you must be . My thoughts and best wishes are with you.
xx

Thanks Chris I owe about 90k half of which is debt from my ex taken out in my name. I'm also in negative equity with my home. I really don't want to go banrupt but don't think I could afford to pay back more than 25p in the pound and Northern Rock is one of my biggest creditors. I am so ashamed at g...

I am in the process of seeing whether I am suitable for an IVA I'm speaking to Tina at Melanie Giles after reading such positive feedback about them. My worry is if an Iva wasn't approved and I had to go Bankrupt would I be likely to get a restriction order meaning I don't get discharged after a yea...

If that is the case my disposable income would stay about the same as the 23k loan is £293 per month and the unsecured loan part of my mortgage is about £320

Thanks for the advice, my house is probably worth 220k at the moment they were going up at about 230 last summer but they seem to be between 210 and 220 0n my road at the moment. If Northern rock managed to get a charge against my house for the 23k I owe on that loan, as long as I keep making my tot...

Sorry thatshould say 30k

Hi thankyou for the quick reply. Yes I have included the whole amount including the together loan. I am not at home at the moment so I can't lay my hands on a mortgage statement but off the top of my head the fixed amount is £220,000 and an unsecured laoan of £30. I do however have a seperate loan w...

Hi Everybody, I have just found this forum and really need help. I left my partner a few years ago and am still trying to pay debts that were incurred in my name during the relationship, also I am a director of a limited company which has had 2 very bad years and I have been stupid and lived off cre...