Thankyou to all for the advice...I have been in contact with Melanie Giles and there is now light at the end of the tunnel..We just need to make up our minds on which tunnel to take..IVA or Br...I will keep you all posted and I recommend Melanie to anyone who is in the same pickle as we are.!!! By t...

What do we do?..We currently owe £169000,on mortgage and also a secured loan of £35000. we also have non priority debts totaling £35000, my husband wants to and the keys back to Northern rock and then go br, i'm not quite sure what to do but I know we need to sort this out as we have one child and a...