Hi, this charity is sponsored by businesses involved in giving the credit in the first place, how independant is it, how safe is the info that it asks for. Dont want to sound sceptical however if they release your details to creditors, you position is blown is it not?

Hi, It is reading articles like yours that have helped me take the decision to do something about my debt rather than chasing as I have for a period now, thank you for having the courage to speak out and help other people understand that were not really that unique in racking up debt in one way or a...

Hi jan & Melanie I would say most of the debt came from me setting up as a sole trader purchasing what turned out to be a less than successful franchise operation, year one lost about 12K, year 2 about 8k. Reason for purchgasing was I was under threat of redundancy and looking for another option, se...

If entering into an IVA where the debts that have been generated are solely mine, is the restrictions aqnd calculations based upon my earnings or that of the married couple, my wife has not caused thaes debts so why should she be penalised or would we litterally have to be separated fopr that to be ...

Thanks, I am looking at the people on the site tonight and starting to collate what debt I have exactly
Regards

Thanks, think like most people I have been putting it off and kidding myself that things will get better, it wont and hasnt, the wife was made redundant the week before xmas and facing upto the issue now seems the only realistic thing to do.

Hi, a couple of questions if anyone help.
Is an IVA attached to me or to both me and my wife if the majority of the debts are unsecured ones held by me?
I have seen that you can be made to cash in an endowment, how does this sit with the mortgage companies as this is there to pay of that debt isnt it?

I have unsecured debts of around £50k to 6 creditors, all bar one loan are in my name only. Would the IVA be against me only or me and the wife? How does the endowment plan I have get given up as I have read on a numeber of posts, if this is not running to form, can they only take it if there are ad...