I do not believe I could be accused of being in denial, my financial plan for the next twelve months involves me wiping off pretty much all of one credit card debt, my concern is my own position thereafter. I do not for one second think I am in anyway requiring of an IVA i simply found it staggering...

In all honesty I think the arrangement will make me considerably better off than I am and actually unfairly represents my current financial position, I am not struggling just now, I am simply throwing every penny I have at clearing debt just now and will find by the time my child arrives and my wife...

I am not a homeowner, having sold my house to finance my expected emigration to canada, after much expense and effort it became apparent that it would be better to move in this direction, several thousand pounds later my wife is here, i have supported her for 2 years and helped finance our side of t...

I have spoken again with both the IVA advisor and a couple of my creditors, it seems that I am being egged in the direction of an IVA because the end result is better for me financially, alas I am much more interested in finding a manageable solution which does not involve me ducking out of my actua...

I am 37 years old and over the last 24 months in particular have amassed around £44,000 debt. In all honesty £34,000 of it was planned and considered and absolutely manageble. I do not want to try and duck out of my responsibilities, I simply wish to avoid the endless interest charges on the remaini...