Hi Jss,

Bankruptcy will provide the clear start for you.

all the best alan

www.debtdr.co.uk

I agree with Mish's comments - I have taken Police officers through bankruptcy and superior officers are comfortable if no fraud BRO etc. As mentioned earlier provided there is no financial association parents credit file should not impact on children's credit rating all the best alan www.debtdr.co.uk

I agree with Melanie. I have taken HMAF personnel & Police Officers through bankruptcy and it has not resulted in dismissal - Very much depends on circumstances and demonstrating that you have tried the alternatives I suggest you contact Melanie to discuss your options all the best alan www.debtdr.c...

Hi willow,

Best of Luck will ne interested to learn of your IPs response.

all the best alan

www.debtdr.co.uk

wishing you a safe tour Steve I have a concern that as the income increases then the 50% will come into play - Hopefully Melanie can advise, also watch out for any arguements that your expenditure may reduce while away, making even more available for an increased payment Hopefully the supervisor has...

Hopefully Paul can work his magic - I have not dealt with Nottingham OR - However those down South usually take a pregmatic view - specially if all the facts are presented to them in a written report.

all the best alan

www.debtdr.co.uk

Whilst the overall picture would be required - if you are not happy and 125% borrowed on the property. Could be time to look at alternatives.

all the best alan

www.debtdr.co.uk

It does vary from one OR office to another - However generally couples I have assisted have been dealt with together

all the best alan

www.debtdr.co.uk

Hi I agree with Andy with regard to the potential danager of failure - However as there was reduced combined household income and the supervisor is looking at a variation and has said pay what you can - I wouldn't pay an amount that would leave you short on essential expenditure and priority payment...

Hi Nick,

Usually OK - will depend share of the overall debt but provided not mainly in their hands OK.

Melanie is the expert in this area and no doubt will be posting later.

All the best alan

www.debtdr.co.uk

I suggest approaching the IP with an updated income and expenditure statement that way they have the whole picture and any amendments should be fairly assessed

All the best alan

www.debtdr.co.uk

Hi Flutterby, many things going on here - What is the intention with the mortgaged property? If this is going to be sold probably best to do so before looking at a formal arrangement. Also I would look at securing the rented property before entering into a formal arrangement - that way you are more ...

Hi tonic, I think when you clarify the position they will see that there has not been additional pay. Even if there had been usually they will agree to a phased payment. With regard to the future prepare an updated income and expenditure statement and have that before you when you talk with. If ther...

Hi Notsure,

That simplifies matters

Suggest you contact an expert to plan for the future.

All the best alan

www.debtdr.co.uk

Regretably I see a lot of these situations where the IVA factories have not fully reviewed what people living with parents asperations are. Hind sight is a marvellous thing but if you had talked with an IP like Melanie I am sure she would have asked you of what were your future plans were at the tim...