I did mean to say that my debts are mainly credit cards but have a couple of loans too - all in all about £85K. I earn £30k a year so have always thought that sonehow if someone would lend me the money I could pay it back so need to find courage to ask him for help. I have lost my hearing over the p...

thank you for your reply. i hadnlt really looked at it like that before - I have been so consumed by my credit cards etc that I have just felt like I am drowning. I thought that my only option was IVA or a debt management programme but I think that my answer lies with being truthful with my husband ...

our house is worth £300k and have only £2k outstanding on our mortgage. Everone I have spoken to says why dont we just remortgage but I dont feel it is an option as it is my debt not my husbands. I feel very strongly about this but maybe i am not in a position to make a choice. I earn a good wage so...

I am currently considering an IVA. I own a house in joint names with my husband but all my debts are in my sole name. I also have lost my hearing over the past few years and so am unable to use the phone - I am terrified that companies will contact me by phone? Two questions - can I make provision s...