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Hello. This is my first post and I am at a bit of a loss as to where to start. I guess I want to ask how people felt when they realised that they couldn't stick their head in the sand anymore and something had to be done. I feel as if I am walking around with a big sign over my head saying "failure" not just to me but to my partner, to my kids, parents everything. I don't know how I got to this point but I know that

Welcome to the forums

You are seeking advice on how to deal with your problem and that's something to feel good about. We've all been in your siutation and you'll find a lot of support here.

If you post some more about your situation, then some of the experts will be able to help.

The first step is recognising that you have a problem, the second is to take advice as to the options to resolve it. There are many experts on this forum who will be able to help, so post as much information as you can and let's see what we can suggest.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

hi and welcome u are not a failure i just been doing that myself i bet your other half isnt saying that had some good advice of this forum so start logging on more and ask for help

High hopes & skint pockets!!

Can't remember if i read it in the Financial Times or the Sunday Sport, but, "The journey of a thousand miles starts with a single step"
Don't understand it, just been waiting to use it.

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

I like that - very profound 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/