I really need some help I want to start and IVA but I don't know where to start and what companies are good or not can some please give me some advice.
You need to speak to an insolvency practitioner companies and feed back from users are available on www.iva.com. You could also speak to one of the expert IP's on this site.
I know this is a very hard time in your life, its scary and feels black but as soon as you speak to someone, you will feel better.
hi lyndsey and welcome to the forum, lily is right you do need to peak to an IP, but if you can put down how much you owe and to whom an expert on here will be able to advise you a little more.. Also do you own a property?
When you are deciding on choosing an advisor, it is a good idea to take a little time researching the options available to you, and chatting to at least a couple of different insolvency practitioners to see what options are discussed with you.
And of course continue to ask questions on the forum, where there is a wealth of experience from both the professional and consumer marketplace.
Hi anglea 18 the answer is no I don't own a property me and my Husband did but it got reposessed 2 years and we just haven't been able to face it.
I know that sounds a bit pathetic but I really want some light at the end of the tunnel and thankyou for your advice.
Yes i can i have lots and lots of collection letters and people keep phoning me I know that I want to get it sorted but don't really know how to go about it
You can either contact an insolvency practitioner directly from the outset (which I would actually recommend that you do), or post a few more details on here so that we can see if we can guide you.
Do remember that the forum is for general and not specific guidance - and that the answer to your problems may only be a phone call (or two/three!) away.
You do need to speak to an Insolvency Practitioner as soon as possible. They will listen to what you have to say, and will tell you what options are open to you.
Give Melanie a ring, her details are on the post she has made on this thread. She comes highly recommended by a lot of people on here.
The letters and phone calls will keep on coming until you sort this out.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Hi,
I just wanted to say thankyou for last nights comments I have made the first step and Andy is going to contact me on Monday to talk through my debts.
I start a new job on Monday so I will be able to start paying off some dates and the money is pretty good.
I have a question for somebody, I have a debt with british gas I left and they gave me some of my wages 2 weeks in advance. The thing is that I have not been in work since March I did 4 days on August the 26th but it didn't work out.
The Baliffs came at the door and I arranged a repayment of £10.00 per month then when I started this new job which I thought was going to work out I told them I could £50.00 which I managed to put them off coming till the 17th October as I thought my new job which I start on Monday would be weekly paid as it is through an agency.
The thing is that the house we live is not mine and nothing in it,is mine as we are living with relatives.
I was just wondering what advice can anyone give as to what I say to them as I am not going to be able to afford to pay them on the 17th.
I am scared of going on the phone again incase they say no.
