So it begins.

[winter_blues]

Well said Rosepetal. My creditors wrote to me after a month or so and then the calls started 6-8 weeks after stopping payments. Think it varies greatly between creditors and debtors.

[homershairdo]

Hmmm, I seem to be starting to waiver a little in going through with all this.....

Lots of what if's keep on flooding through my mind - daft things as well. Things like "What if my car packs up half way through", what if it's rejected, I can cope, I'm meeting my payments, how will this impact my relationship when we can't spend.

All daft I know, but the seeds of doubt are there.

I do know it's for the best, so I shall overcome!

[Rosepetal]

.....and what if you don't go ahead& get help??? how long before you're using your credit cards to pay for food and not paying it off in FULL(if not already)?? how long before you're using cards to draw cash un able to pay it off????

The bigger question is,how will it impact my relationship if i do keep going like i have been????

this blew up in my face when i tried to pay on my card for something,it failed. until that point i didn't know my hubby had a loan and extra cards,thousands of pounds of debt...debt is like a weed,it grows unless you deal with it. if you didn't go ahead you'd need to cut your cards up or the balances will grow.

feeling wobbly about it is understandable,it's a scary time. the stress waiting is awful,the anxiety re the creditors meeting,and then the road of paying it off. it isn't a quick fix but it's much better than drowning in debt.

i had some very big "wobbles",it helped to post and we spoke to our IP Mel, Tina & Claire in her team-that helped a lot.

[kat68]

hi homer,

i've had a massive case of the "what ifs", over the past few days also.

i have always managed to juggle and make minimum payments, and i have found myself thinking it might be possible to carry on this way, after all i'm an expert now i've been juggling for years! and i'm terrified that the iva could be rejected.

but i know that its the above way of thinking that has got me in deeper and deeper, so i am most definatly taking the plunge and have posted off all my documentation.

I find the most difficult thing to accept now is that, its out of my hands, and i have to trust in and rely on others to get this through for me.

so no more trying to fool myself, and heres hoping for a brighter future.

[Rosepetal]

Hi, i think everyone must have doubts at some point,it's such a big problem.

it isn't a quick fix,it can be tough but you will get clear. i'd rather be where we are this month(paying my parents back from this month for the money they lent us to do a f&f IVA) than those awful letters,banging interest on every month - it's like swimming against the tide,no matter how you try you don't get anywhere.

things will be brighter,hang on in there.