It would have to be an evening job as childcare is too expensive DH might have the occasional overtime aswell so fingers crossed!

Thanks Melanie we never wanted to get out of paying our debts and this forum has been a godsend hopefully will find a little part time job and our creditors will except lower payments better than nothing right??!! If I find a job would we be excepted for an IVA as we would have more to give than £17...

Well done you!! I must say since posting on here today I feel more confident in the fact I can handle what life throws at me and will confront my debts head on no matter how long it takes me to pay off. You're story is a success and thanks for posting it x

Thanks skippy I did'nt overspend in the sense of flash cars and holidays as we havent had one last year and probably wont for the next few!! I just carried on as if I was still earning a good wage and if I would have budgeted better probably would'nt have been in such a bad situation as that is when...

Me neither just a bit worried though as we have a car4*4 which is a good one that was given to us by in-laws so we only pay out tax service ect and after reading a few notes we would probably lose it and in-laws would go MAD.

I have just read my replies on my post and found it's now locked due to it getting a little heated!! I am sure the advice given on this forum and by the IP 's are very good and am still a little unsure on these things have spoke to DH and definatley decided that bankrupcy is a no go until I get a jo...

Thankyou again does anyone know where I can get more info on this as we know we cant carry on like this x

Thankyou for getting back to me so quickly, I will send off letters to our creditors and see if they will except smaller payments, and evening job is my only option as my youngest is 11months and wont be going to school for a while! If I do find a job we will obvously be able to pay more back to cre...

Hi everyone I came on here before x-mas and made a few posts (but forgot password so had to start again!!) After putting my details down Melanie said I may be eligable for an IVA. Hubby and me have been struggling for a while now and I have had my head well and truly in the sand. We have 3 young chi...