Blimey, what alot of paperwork, have to read it again, and again I think.

Tomorrow I will contact the local court to get the paperwork sent to me. Had weekend to sit down and think about things.

It was so funny as read story in a Sunday mag, and I'm called a TISWAS, well I think thats what it was I was called.

Hiya all, just to let you know that I've had a really great chat tonight with one of Melanie's colleague's, and for me IVA is not really an option. Bankruptcy is the way forward. I know and wish that I had sorted my finance's earlier but you think they will just go away, but for methey didn't. I app...

Am going through figure's tomorrow, had a call and sorting things tomorrow, and see where I go from there, either IVA or Bankruptcy.

Chat tomorrow, and thank you all once again

Just worried that I won't ever get a mortgage, but then again in today's climate they may not be a bad thing

Well I filled the enquiry form, so that is a start.

I have contacted Melanie, so my finger's crossed, the ball is rolling.

Def made mistake's in past, but now eventually sorting the problem, at last.

Have 4 creditor's, owe about £40k, don't own a home, I rent, know approx how much I can afford each month, which would be less than one of my loans per month.

I just wish I had done something sooner, but head in sand springs to mind

I will have to wait and see. I'm pleased that I found this site.

I will have to wait and see. I'm pleased that I found this site.

Thank you all for help, how long does it take for it all to be processed? Should I tell Credit card companies?

Ok I will wait to speak to Melanie, and hopefully have some luck. And it was the wizardy thing, and it wasn't Harry Potter!

Would like to say thank you for your help Viki, I will chill for 10, in garden, with a chilled glass of wine.

Wisey

Someone called Rachel, she popped up, should I not speak to them? Should I try the person you advised? Were they good in helping you?

Viki, trust me you're not waffling, I normally do all the talking, and that goes back to my school reports, too chatty, too talkative.

You are being a great help, you really are.

Have spoken to the online person, and they are ringing me tomorrow.

Is the fee quite high Viki? Hopefully ball is moving?