Am at home recovering from recent brain surgery, but having spoken to Melanie before going in to hospital I feel quite positive about my future. I am under no false illusions, I know that it is going to be tough going for a while, but, I am sure that any difficulties, short-term, will be well worthw...

I spoke to Melanie recently just before going to Frenchay Hospital for brain surgery. She helped me make sense of the mess I was in and advised me on the way forward. Being disabled has been a bit of a bugbear but with Melanie's and her teams help I am now sure that I will come out at the other end ...

Thanks for all your messages of support, those kind words make me feel better already. I wish you all a very happy new year. Will let you know how I get on with my initial phone call!

I was delighted to receive a phone call from one of Melanie's associates in order to discuss a possible IVA for me. I am fed up of having to do battle with everyone just because I carry a disability! Everyday is a physical battle and, even though I know that I got myself into this debt, it would be ...

I am with Baines and Ernst at the moment who are managing a debt plan for me. I am disabled but have a steady income of disability benefits. My mortgage and debts are more than the equity in my property so I would like to know whether I qualify for an IVA