Many thanks Melanie. David Yes david You could approach your local Citizen's Advice Bureau, the Consumer Credit Counselling Service or the National Debtline. All parties are easily accessible via the internet. Regards, Melanie Giles, Insolvency Practitioner for over 20 years. For further details con...

Is there such a thing as an charity organisation to assist individuals on low income in financial crises in aproaching creditors? Thank you

Hi Lee, thought I would just say a 'BIG' thank you for your assitance today/evening it smuch apprecaited and I believe that you ahave helped me find some light at the end of the tunnel. Many thanks, David It is possible but you will need to provide more information on your current financial circums...

Hello Melanie, thank you for your quick response and your good wishes. I have debts to creditors totalling £85,000 and debts to my family (brother & father) of £38,000, which totals £123,000. My two properties have a total equity of £120,000 and as I said previously I am not working, but on income s...

Hi everybody, am I to believe that I am unable to obtain an IVA as I have equity in property? I am also on income support and the prospect of working at the moment is bleak dure to my health.

Its so confusing at the momnent I have debtors calling me, sending letters, court dates pending, a court order by Lombard is now on the house but I am arguing against this, yet this has all been going on since my divorce started in 2004. I hoped that by offering a one off payment as full and final s...

Hello James, Thank you for your response. I have a property with equity and am presently waiting for a valuation and then release of £25,000. I am protecting my properties (I have two as I have just gone through a divorce in the last two years and also a car accident - long story) by selling them on...

Hello there this could be my last chance of trying to save what little I have. I have debts totalling £80,000 and I am expecting to raise £25,000 which I am hoping to use as a one off payment to finalise all these debtors. I am presently on income support.