Hi to all, to bring you up to date, we've just returned from a 4 day break in a little cottage in the Cotswolds (thanks to this months IVA payment). It has done the both of us the world of good, especially my wife (we actually went into a pub and spoke to people!!). You really don't appreciate thing...

Thanks a lot Melanie.

Zeezee

I have just downloaded and printed out the 2 sections of the BK petition forms that James Falla so kindly gave me the web addresses of, and on the first page it suggests that you should refer to 'the booklet' to fill in the forms correctly. Does anyone know if this book is downloadable, rather than ...

Once again I must thank you all for the advice and support you've all shown towards my situation. I must point out that I don't own my own home, I rent from the local council, and the fact that the debt is mine alone, nothing to do with my wife. It is obvious that I have no choice but to go for bank...

Hi to all. I have literally just put the phone down after speaking to my IP and explaining everything that you are all now aware of. You all advised me to do this, and was thinking that it would take quite some time on the phone to sort things out. How wrong could I have been! 4 minutes and 37 secon...

Thank you all so much for your kindness and understanding. I will keep you all posted as to the advice I get and the decision I come to, but it would seem inevitable that bankruptcy is the only sane way out for us. For people I have never met before, I'm overwhelmed with your thoughtful responses. T...

Firstly I would like to thank everyone that has been so good to give me their advice. Now I feel some sort of security and friendliness here I will tell all. I am disabled (for life) and have to rely solely on Income Support and Disability Living Allowance to pay my IVA and also everyday bills, the ...

I can no longer afford to pay my IVA after 1 year. Do I need to apply for bankruptcy, and if so how would I go about it and what are the consequences of stopping payments? Thank you very much for your time.