Thinking of IVA, and scared!

[Viki.W]

It's good that you have acted quickly, the sooner you take back control of your life the better. I left it way too long. Let us all know how you get on. Viki X

[wisey999]

Just worried that I won't ever get a mortgage, but then again in today's climate they may not be a bad thing

[Viki.W]

Get all your debt problems sorted and then you can think about that. There are experts that post on here that deal with mortgages but one step at a time eh? X

[freelili]

I agree, dont beat yourself up about what might be or might have been, you need to tackle this beast first. I dont have a house but I dont feel like I am missing anything. My home is where my kids are, where people love and respect me, and I them, you cant buy that.

[wisey999]

Am going through figure's tomorrow, had a call and sorting things tomorrow, and see where I go from there, either IVA or Bankruptcy.

Chat tomorrow, and thank you all once again

[wisey999]

Hiya all, just to let you know that I've had a really great chat tonight with one of Melanie's colleague's, and for me IVA is not really an option.

Bankruptcy is the way forward.

I know and wish that I had sorted my finance's earlier but you think they will just go away, but for methey didn't.

I appreciate everyone who helped me within this thread, and who know's what tomorrow brings.

My lottery number's may come in, ok maybe not haha.

Thank you once again.

Wisey

[facingittogether]

hi wisey

just wanted to say at least you know the way forward, there are a few people on here who have gone down the bancruptcy route and i am sure they will share their experiences with you if you want them too and tell you that they have come out the other side!

please keep posting on here to let us know how you get on and i wish you all the luck in the world! you are facing your problems and you will get this sorted and then you can get on with the rest of your life without worrying about debt!

love barb x

[MelanieGiles]

I spoke to Tina this evening and understand why the IVA was not an option for you. Bankruptcy is not all that bad, and I think in a couple of months time you will have put this all behind you - hopefully with no Income Payments Agreement or Order.

[Dee]

Hi wisey999

I wa in your position a few months ago. After contacting Melanies team I too found that Bankruptcy was the best route for me. I went bankrupt on monday this week. It really isn't as bad as you first think which is just what the other forum members told me when I was considering going down this road.

Keep posting and ask as many questions as you need, this forum is a lifeline and everyone on it a source of inspiration and support.

Good luck
Dee

[Viki.W]

I'm so glad that you are sorting everything out. As Dee and Barb have said, please keep posting, you will get some great support and advice here. Take it one step at a time, you'll be fine. Viki X

[Soulgrowth]

Just wanted to say good luck wisey ... and keep in touch with the Forum ... we are all here to help and support you [:)]

Debbie

[wisey999]

Tomorrow I will contact the local court to get the paperwork sent to me. Had weekend to sit down and think about things.

It was so funny as read story in a Sunday mag, and I'm called a TISWAS, well I think thats what it was I was called.

[angela18]

i read that in the mag with NOTW.. scary isn't it. You think that you're in the minority.. but there are alot more people in the same boat..

[rockbottom]

hi Wisey999

just wanted to say good luck with everything, you seem so brave you saw you had a problem, you sought advice, took that advice and have started the ball rolling good on you.

rockbottom

[Viki.W]

Hey Wisey, good luck, I'm so glad you are getting everything sorted. Make sure you keep posting, let us know how you get on. Viki X