hi yes i will monitor all that very closely it has been great on this forum for advice and i will let you all know how i progress thanks again to all who sent me messages

hi i have already been paying my creditors agreed amounts for around a year and the interest has been frozen since then so thats all ok and i am aware of not being legally protected but the guy said they will take care of that and its not in the creditors interest to try and bankrupt me as they woul...

hi all , after speaking to the guy lastnite i have decided on a dmp as i work alot of ot and this would be effected by an iva. this way i can earn as much as i want and with lower payments 239 per month to debt free me i can save and get rid of a few with a f&f offer hopefully get rid of one or two ...

thanks mel,

i will spek to this guy tomorrow and will let you know and i think i will contact your company too i have read a lot of wonderful things about you

hi mel ,

thanks i will do that and i have just done my finances in detail i have 65k in unsecured debt i have an income of 2151 outgoings of 1839 so thats 312 in disposable income do you think that would be ok for an iva

im not too sure about bankruptcy with the house and all wouldnt my wife have to sell it

hi mel

if i went bankrupt wouldnt i have to make payments for 3 years

hi yes for about a year i think and what does this pence in the pound mean and what do you have to pay etc

hi will do thank you both my situation is this: i have unsecured debts of around 65k to 7 creditors, i currently have arrangements with them individually and pay out around 600 per month my situation has changed as we have a baby now and are stuggling to keep up payments. doing my income/expenditure...

hi mel

thanks for the advice thats good news i have a guy from a company called debt free direct coming tonight to talk to him about it and to see if i qualify for a iva

yes i contribute to the mortgage

no i wouldnt of thouhgt there would be any equity shes only had it just over 2 years

hi she bought the house before we met i have lived with her around 2 years married for 1

if my wife solely owns our house and i take up an iva will that be effected