www.iva.co.uk

hello all i've came across this site after many bills keep comming through the door and phone calls off credit cards companies demamnding money i just can't pay so a last option of looking into an iva i thought it was time to do,it is embarresing as i know i've got myself into this mess and can't get myself out,i'm normally quite a proud person but i feel now i've got to put that to one side,i've just filled out the form on the Melanie Giles website as i would gather there's loads of companies out there that'll promise the earth,but after reading a few posts by her i gather she's genuine

i've been living off my credit cards the last few months as i didn't know what else do do and now they've reached there limit i've hit a brick wall with no way out

it's a small weight off to see i'm not on my own anymore

Hi there and a warm welcome to the forum

You've made the first step to dealing with your debt problems, by seeking advice, and you will get lots of help and support on the forum from me and all of the other experts and regular posters. This really is a great community.

Hey willismeiwas, welcome to the forum. You're in the right place here for support and advice so keep posting, we're all here for you. [:)] X

hi welcome to the forum!

you have done the right thing asking for help!

keep posting and let us know how you get on!

love barb x

Hi and welcome from me too. Please dont be afraid to ask as many questions as you need.

Good luck xx