Thank you. I got a bit confused and thought to post a thread I had to 'ask a debt question' I wondered why it didn't come up and then found out how to do it. Didn't realose it would come up again!

Thanks Melanie.

I'll make sure that they are aware.

Regards

Hi Melanie The proposal would be for £750 a month. We are currently paying £1200 a month for our unsecured debt. We have no money for anything after paying our debts and mortgage, utility bills etc. We have had to borrow money off my husbands parents and then sell things like our computer, bikes etc...

Thank you for your replies.
We will stop paying, at least we'll be abit better off each month whilst the IVA application is being processed.

When the credit card statements come through it'll be hard to dismiss them but in a strange way will be a relief not to pay them!

Thanks again

Hello everyone. I have been reading the forums for a few weeks now and have finally taken the first steps to applying to enter into an IVA. My husband and I are in around £65,000 unsecured debt. We are proposing to pay back 60p in the £. The IVA companies we have spoken to suggest we stop paying our...