just a piece of advice

[kel-23]

Nobdy said she was going to hide the house she wants to know what will happen as she hasn't lived in it for over a year and walked away and her ex husband can't get her name taken off

I do not like though people arguing on my forums when just asked for advice not a slanging match

[Skippy]

I'm sorry for some of the posts Kel, please don't let it put you off posting. You've had good advice from Mel and Karol and I hope your friend can find a solution x

[kallis3]

Unfortunately kel this does sometimes happen and I apologise if it has upset you.

[kel-23]

There's no need to apologise

[sponge]

Rude you've lost me, that's her profession!

[kallis3]

The comments were uncalled for and unnecessary.

[Skippy]

Sponge, if you can't make constructive comments please can you refrain from posting as you are upsetting other posters on the forum and your comments are getting more and more personal.

[ginger3232]

Now this is really getting a bit childish - both in comments and content

[Adam Davies]

Hi

Let's stick to the initial question and try and help the poster.

Sponge we need to have a chat off line once again

Regards

[edward_121]

Sponge you seem to have some issues. Your comments were completely out of touch with the theme and nature of this entire forum.

I have not seen anyone on this forum yet react the way you did to someone diagreeing with you. You were straight on the defensive. The facts are as follows,

People on these Forums are asking for advice (i know you gave some)

Lots of different views help people make a good decision for themselves.

I would say generally that a lot of people asking for help here probably have enough stress and worry in their lives and dont need to get involved in a bad tempered to and fro.

Take a moment and realise it wasnt a personal attack on you just a difference of opinion.

[admin]

Perhaps a reference to the forum ethics is in order here..

* The ethos of this forum is respect for all at all times

* This ethos is maintained by our moderators who
guard the reputation of the forum with careful vigilance.

Generally it means that they will delete any post which is deemed to be unkind, judgemental, obviously irrelevant to the topic or which contains offensive words or jokes.

In serious and continued contraventions of forum etiquette the poster will be locked out pending a public apology.

[mattyboy]

Going back to the original question I think your friend should contact some IP firms for advice. In terms of sorting out the debts they may be able to look at leaving the house equity out of the plan. Your friend's situation will not be unique and a qualified professional will be able to point her in the right direction. Legal advice through solicitors can cost a fortune and may be best avoided if she can look at other ways of resolving the problem such as divorce mediation. I personally would advise her to contact a few IVA firms then armed with this knowledge she can take further advice from solicitors if necessary. She is under no obligation to take any advice but getting the right advice in the first place will help her situation and make her feel 100 times better.