thank you so much for all your help and advice, my i.p still being no help at all, ut im going to call tomorrow to see what my best options are?!i have spken to my landlord he has agreed to let me out of my lease in march 09 which is a year early, so that will help me alot as i can go mobile!so fing...

myself and my husband both have an i v a with some joint debts but mainly all in my name? could it just be me that went bankrupt or would he have to also?

hi, thanks for your reply, we have no equity in our house, about £15.000 in negative equity at the moment! our mortgage is £1200 a month we have a 3bed house ,we had a look at renting but there is hardly any difference in price, our house would be affordable if we didnt have to make the big iva paym...

my iva started only in august 08, we felt this was the best option for us at the time but since then things have got so much worse! i have my own business which is now really struggling dispite my best efforts i fear this is going to get worse in 2009 like the press keep saying, so i feel like every...