Thanks Melanie
Do you also deal with Debt Management Plans or is it just IVA,s
Thanks,
Sue.

Hi Lily
Thank you so much for your kind words.
Thanks.
Sue

Hi Thanks I am dreading this, but I need to do something. is there certain companys im in debt with that are harder to deal with than others? I have listed who and what I owe. Thanks again. Sue. HALIFAX ONE = £6243.12 CAHOOT LOAN = £5217.00 TSB DUO CREDIT CARD = £2981.65 ADDITIONS CATALOGUE = £2423....

Hi Thanks for such a quick responce I was hoping for a dmp, and yes it is just my basic wage no overtime available at the moment, Thanks for the advice on the car, I was worried about the amount I put for food/household and my cats although 1 of them is diabetic and needs insulin and needles monthly...

Hi I Am £20,310 in debt and about to visit my local Citizens Advice, I have drawn up a outgoings form and would like any input, be has brutal has you want,I do not own my own home and I am now single. my income is £1550 per month, and my outgoings are £1162 leaving me with £384 to pay my debts. coul...

Hi Everyone Im new here and thinking of getting a iva but before I make that leap I would like to find out more. I am about £20,000 in debt! loan, credit cards and catalogues my first question is if say I could afford to pay £500 per month on a £20,000 debt, would I still pay for the full 60 months?...

The dmp route does scare me I couldnt risk my job if a creditor took me to court! has I work in the public sector it could be very embarassing!
Is it ok to continue with this post tommorrow?
Thankyou all.
Sue.x

I really dont think I could tell him, like I say he suffers from depression, and I wouldnt want to make him feel worse! thats why I would dread going the dmp route if my creditors were always phoning! would I have to tell my creditors my partners income! he doesnt get much and has to pay £100 per mo...

A BIG thankyou to both of you, it means and helps alot to talk about this.
My partner is on incapacity benifit due to depression, and I would really be afraid to tell him about my debts!
Do I have to?
Thanks.
Sue.x

Hi here is my income and expenditure and debts! be has critical has you like with my outgoings!tell me if Ive missed anything out aswell.x DEBTS cahoot loan = £5,967 min payment = £201 tsb air miles duo = £2,955 min payment = £60 tsb advance = £1,717 min payment = £35 halifax card = £6,270 min payme...

Thankyou to fergiedoggy
So glad I found this place, Help at last.
Thanks.
Sue.x

Thanks
I will get to work on that right away!
could take some time though.
Thanks so much.
Sue.x

Thanks Jan.
If I posted a income and expenditure with full details of what I pay out per month, would that be ok?
Thanks
Sue.x

Hi
Thanks for the quick responce,
Could you tell me what these fees average at? I would probably go down the dmp route but Ive heard such horror stories about creditors pestering and hounding you constantly!
Thanks again for your responce.
Sue.x

Hi Everyone I am new here and need advice about a iva,I am £20,000 in debt with a loan, credit cards and catalogues, before I make that leap I would like to ask a question. ( one of probably many) If I could afford to repay say £500 per month and owed £20,000 would it still be for the full 60 months...