Get expert opinion. This is the place for new questions to be posted.
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Dumbeh
- Posts: 60
- Joined: Fri May 28, 2010 8:14 pm
- Location: United Kingdom
My husband and I are 30 months into our IVA and getting through it by the skin of our teeth. It is fair to say that this IVA is the only thing keeping us together. I have somewhere to go but can't because all of our money has to go into our household bills and IVA payments.
So I am just wondering if we speak to our IP what are the chances of us being allowed to sell our house, paying off our IVA and going our separate ways? Life is way too short for me to be living like this and we still have at least another 30 months of this, and that's if there are no extensions!
Any help or advice would be much appreciated.
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plasticdaft
Forum Expert
- Posts: 9562
- Joined: Wed May 21, 2008 12:45 pm
- Location: United Kingdom
An IVA is no reason to stay where you arent happy. Get in touch with the IP and request help in sorting things out.
As you say life is way too short.
Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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Fletch2204
- Posts: 254
- Joined: Thu Aug 11, 2011 8:01 pm
- Location: United Kingdom
Paul is right........... I started again and have never been happier!! good luck x
I'm Walking On Sunshine, Yeah-Yeah...........
Katrina And The Waves
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luluj
Forum Expert
- Posts: 11333
- Joined: Sun Dec 09, 2007 6:54 am
- Location: United Kingdom
I agree with others. Give your IP a ring and talk through your options ....happiness needs to be a part of your IVA journey x
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
Look at my blog "All I wanted was a baby"
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GilliB
- Posts: 656
- Joined: Fri Mar 02, 2012 4:29 pm
- Location: United Kingdom
Hi Dumbeh. I've read your post as a rhetorical question. You state it perfectly - life IS way too short...Please make the call. Very best wishes to you. x
IVA journey started: 30th March 2009. Settled: 17th July 2012. Completion Certificate received: 13th March 2013. Breathe. x
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Stacca
- Posts: 2
- Joined: Sun Feb 24, 2013 9:13 pm
- Location: United Kingdom
Hi,
I have only just joined today and have a slightly different slant on things.
Think back to before the IVA and happier times and consider the sheer stress of the financial situation has added to the unhappiness.
I talk from experience as my husband and I have just completed our first year and have been at breaking point throughout as we have also had a sick child a miscarriage and the loss of two loved ones to deal with. At many times throughout this year I have just wanted to get on a train and not come back.
If you really are only together because of the debt then make the call but remember that you have gone through this together in the hope of being debt free and living again at the end of it and it would be a shame to throw your marriage away before getting to that point.
Apologies if that was an optimistic view [:I]
It's an upheal battle but I am trying to smile through it and learn how to dance in the rain.
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luluj
Forum Expert
- Posts: 11333
- Joined: Sun Dec 09, 2007 6:54 am
- Location: United Kingdom
Stacca ...good spin on things ....
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
Look at my blog "All I wanted was a baby"
