taking the plunge

[roadrunners]

Hi all. We are completely new to the forum, so be gentle with us !!! We are just in the initial stages with Payplan at the moment - have signed to allow them to act on our behalf. We think IVA will be best for us ( 1for me & 1 for my wife )but any advice welcome. Total debt is just over 38K. 23K in my name 7K in my wifes, and 7K joint, mainly to bank & cc's.We live in rented accom.Able to pay £470 to creditors.
Been a nightmare but we have finally taken our heads out of the sand and woken up to the reality of our situation. We've been reading lots of the info on here, and found it a real help.

we'll make it !!

[couple31]

Welcome to the forum [:D]

[stoney]

Hi roadrunners, welcome to the forum. I posted on it for the first time last night and am overwhelmed with all the replies and encouraging messaages. Theres lots of helpful info on here and we too have got our heads out of the sand at last.

Good luck, stoney x

[Skippy]

Hi Roadrunners and welcome to the forum. Don't worry, we are all friendly on here and you will get a lot of help and support from the forum. So that one of the experts can advise you please can you post some details of your income and expenditure, and also who your creditors are and how much each is owed.

Good luck, I'm sure you'll find a solution to your problems x

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

[MARSHA]

Hi and welcome this forum is an amazing source of information and advice, no one judges you on here, we are 1 big family.

[kandh]

Hi roadrunners and welcome!! There are plenty of people on here in the same boat who can help with any queries you may have. There are also plenty of experts available!

Fingers crossed everything goes ok.

[mike.s]

Hey roadrunners, you will definately make it as you have already taken the biggest step by taking the heads out of the sand!! You will find a wealth of help and support here, and a shoulder to cry on when you need it! Best of luck
Mike

[olympic_torch]

Welcome Roadrunners.
(or should that be beep-beep).
To admit you have a problem is the first step.

Aucto Splendore Resurgo.
(6 down, 54 to go)

[mike.s]

Oh olympic torch I so wanted to say beep-beep, but thought maybe I shouldn't! Hey maybe there's an Acme IVA we can send for. Open it, do all the designs and diagrames, wait for the right moment, put it into action and...fall off a big huge cliff. Hmmm maybe I'll stick with Melanie.
Mike

[OPTIMIST12]

Sounds like you have got the right attitude roadrunners - hope you will stick with it and keep posting. Good Luck!!!!

[Skippy]

[:D][:D][:D]Mike and Mr Torch!

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

[roadrunners]

Hi there
thanks to everyone for your support. It really helps knowing that other people are going through similar to us, and that we can "talk" openly about our probs to more thanjust each other. This is the first time we've spoke about our finances to anyone else. We will post with more details Skippy but its just too late now, and we definately need our beauty sleep.
thanks again
K & M

we'll make it !!