hi debbie, thanks for your messages, are you an ip then???

Hi Melanie, thanks for your reply and your advise. May I ask, do you yourself deal with self employed cases, whereabouts are you based as if we need to meet at any point I guess we would need to be local to you, we are near Portsmouth on the south coast. I look froward to hearing back from you, than...

thank u so much for such a speedy reply, will do that, x

great, thanks for letting me know, does anyone have any advice as to how we get started with requesting an iva, my hubby is self employed if that makes a difference, i work part time employed, how do we know which IP to use for the best???? - ahhhh so many questions. thanking you in advance x

thanks for all the replies so far, its great of everyone to be so helpful so quickly, have thought of another question, once we speak to an ip, if it is decided that a iva is best for us how long do they take to sort/get set up and running??? thanks again.

have had a good recalc on our finances and also remembered that part of our mortgage (30k)is unsecured (it just gets better and better)!!! - total unsecured i think we are looking at is apx £55k with disposable income roughly of £340 per month but that leaves nothing to live on whatsoever so would n...

Hi, we are new to this and have lots of questions, we are just starting to consider an IVA but not sure where we stand on a few things. We have apx £25000 of unsecured debt and each month we struggle to make payments on it, borrowing from one credit card to pay another and withdrawing cash from a cr...