Hi...i have just found this website and am now wondering if an IVA is the best option for us. Our situation is we owe just under 42k.........this is spread across 7 creditors. We have spent the last year scraping through and selling things that we can on ebay to get the extra shortfall each month. N...

thanks Melanie....i do indeed have a very loving partner and a very beautiful child who gives me more than money can buy. I will now definitely look further into the whole process. One more question....when i read that the IVA will be sent to the county court.....is this process a public thing? woul...

we do have our own home although the equity in it is no more than £8000 when we had it valued a few months ago.

our situation is a little like this :- mbna/virgin card - £5495 lloyds - £4700 barclaycard - £5934 Hsbc graduate loan - £8200 hsbc card £2352 lloyds loan £1500 car £12000 i currently am not working although am looking for work ...have a small baby so cost of childcare is another worry. my partner is...

ive just found this site and its so nice to know im not the only one in the situation im in. I really dont know what is the best option for us. we are around £40000 in debt and i just want it gone. up to now we have been keeping up with min payment on credit cards but its so hard when we pay £80 and...