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Posted: Fri Mar 02, 2012 5:01 pm
by Gill.05
is it better for me to apply for an iva myself or through a debt management company?
Posted: Fri Mar 02, 2012 5:03 pm
by lem
Hi Gill, you need to speak with a few companies to get a feel for who you think you can gel with, have a look at
www.iva.com for reviews of different companies and give a couple a ring
Posted: Fri Mar 02, 2012 5:09 pm
by Foggy
Also have a cruise around the forum, where many IP's post, and you can get a feel for how they work.
Posted: Fri Mar 02, 2012 5:27 pm
by kallis3
Hi and welcome.
Visit the link posted above and speak to one or two companies. You can go directly to an IP rather than a debt management company.
Posted: Fri Mar 02, 2012 7:32 pm
by Rosepetal
take care who you choose, we went with Melanie Giles, she posts here as does Tina from her team.
post who you're thinking of using & folk here will post their experience.
Posted: Fri Mar 02, 2012 11:29 pm
by insolvencypaul
Choose a firm thats fair and listens to your situation.
DO NOT PAY ANY UPFRONT FEES!
Any decent firm wont ask for money you can't afford. Start by getting your I&E together. Thats a list of what you have as INCOME and also list all your EXPENSES on a monthly basis. The SURPLUS is thee likely amount your IP will ask for as a monthly contribution. Ensure that you are HAPPY that you can maintain the payment and that it is achievable.
Good Luck Paul
Posted: Sat Mar 03, 2012 8:13 am
by kallis3
Visit the link posted above or click on the 'Ask a Question' link on the left hand side of the page and speak to any of the experts that post on here.
They come highly recommended.
Posted: Sat Mar 03, 2012 8:59 am
by Foggy
Nasty stutter you have there, Paul !
Posted: Sat Mar 03, 2012 2:25 pm
by Adam Davies
I've cured it