Hi
I am new to the forum but can totally relate to where you are coming from, 2 years ago we lost our business and our home, can't tell you how low I was at that time, we kept the creditors off our backs by entering into a DMP but we knew that that wasn't the answer as we owed too much money, however it did give us some respite in order to pick ourselves back up and get some of our fight back. Back then I couldn't even say the word 'bankrupt' without having a complete melt down, but now, I am ready to face up to the remaining problem (the debt!!) with head held high, we are currently trying the IVA route first, however, if this is rejected by the creditors, then bankruptcy (said that without crying) it is, because one way or another I WILL sort this this problem, they can have my money but they are having no more of my life. I know only to well how ill all this can make you feel, I to spend time with the GP but all they seemed to want to do was prescribe anti-depressants, which by the way i didn't accept. It has taken a while to get to this stage ( 2 years actually) as I have had to take it in baby steps and although it isn't sorted yet I am feeling so much better, don't get me wrong I still have my moments but on the whole, it's good to have the 'old me' back. Hang in there, things will get sorted. A good friend gave me a piece of advise some time ago which I have never forgot " If you have to eat the frogs, eat the ugliest one first, the rest don't seem as bad!!" It made sense and also made me laugh.
