Posted: Sun Jun 10, 2007 9:27 pm
As we are in the build up to the IVA ( ie just got the IP) the nice thing is that now we are not paying our creditors - good to work to a real budget and spend real money! - and not just juggle payments around each month. A thought when you have the nightly phonecalls and the letters - the reason they are coming is because you are doing something positive and trying to sort it out and not pretending all is OK anymore! [8)]