By the way , this a fantastic site and offers hope and support to people who are very much in need! We are a casualty of the 'credit crunch' no doubt. I have ended up letting some staff go, which was horrible. 38,000 people have lost their jobs in financial services since the end of last year. Thats...

Hi, I am considering an IVA, i have unsecured debts in excess of £120,000 and equity of only £50,000. I work in the finance/mortgage business and our income has dropped substantially this last 7 months so i am struggling to meet committments. My question is ' I am MD of my own Ltd Company which has ...