Hi Mel & Jan

Thanks for the advice. i will look into the IVA option but also still try one more time to get a consolidated loan.

This is a really useful and supportive Forum.

All the best

Nikki

Hi David thank you for the advice and I think this is the best option for me right now. Do you know if it has any impact on Immigration or visa applications? I am not in the US as yet and so wan to make sure an IVA has no impact on being let into the country. Thank you all for your kind advice All t...

Sorry!!! Its always good to complete what you want to say before you submit....

if thats what my partner and I decide to do.

Thank you for the support. I feel optimistic. I just have to get the debt of my credit cards that are really high intrest. Only way is consolidation or IVA. I just dont want it to harm my chances of going to the states if thats what my partner!

Hi ALl I have 21.5K debt and am struggling bif time jusat paying the interest on cards. I am trapped and want to consolidate but the chances getting that right now are minimal. SO I am thinking about an IVA however my partner lives in the US and I am thinking of going out to the states at some point...