I know that I need to speak with them but, I really can,t see any way forward than bankruptcy now. I have hated this past year of watching every penny and trying to stay within the guidelines of the IVA. I sometimes think bankruptcy would be better all round as I can then be free of it all and start...

It was a staff discount card that turned out to be a credit card. I used it because I was struggling to meet payments on the IVA. The card company closed the account and moved it to a debt agency and the catalogues I can pay off. My problem is I am struggling to pay this £298. every month so to dela...

I have been in an iva for a year and am now waiting for my review which they asked for in November. My worry is that I have 130. owing on catalogues and 160. on a credit card. Will this go against us. I am seriously considering going bankrupt now to get it all out of the way as I am fed up of feelin...