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Posted: Mon Jul 02, 2012 10:31 pm
by ruby
[font=Comic Sans MS]I am sure there are a lot of people on this forum that dont post, but they are here to read other peoples stories, to find advice and to just realise there are a fair amount of people in the same situation. I was one of those. I joined in 2007, I didnt post, I just came and read and then I eventually took the plunge and began the iva journey. It is a big decision, but if you're here reading the forum then you have a debt problem. Deal with it sooner. Dont delay, it wont get better. Now, I am one payment from the end of my 5 years, (2 days before i'm 40). In 25 days time I will be debt free and a fair few quid better off each month. What a sense of achievement to begin the next chapter of my life. So, please, make a call. Sort it out. Making that first call was one of the best things i'd done in my life. You will sleep better, you will have a focus and a light at the end of the tunnel, it might be a small one to start with but month after month, year after year, that light grows. Trust me, can you believe it's July already....well that's how quick the time goes. It really does fly by. Thank you to everyone that posted in 2007 and unknowingly helped me. Good luck to all those starting out. AND make that call to all those reading this and wondering what to do!!

Posted: Mon Jul 02, 2012 10:36 pm
by Muggins
Brilliant post! Sums it up completely! An iva takes you down a Very long arduous road but eventually leads you to a far better place! :)

Posted: Mon Jul 02, 2012 11:02 pm
by KM1512
Ruby good luck for the future I was like you and it is only this month that I have joined because I feel I need the support to get though the next year.[:)]

Posted: Tue Jul 03, 2012 12:21 am
by Broke of London
Amazing post Ruby!!!! Very encouraging for anyone who is building up the courage to make those first calls and possibly admit their level of debt to themselves and someone else for the first time.

I totally echo what you say! Seeking professional advice for my debts was a turning point and a I physically felt a huge weight lifting from my shoulders. I'm positive other people must feel the same too.

Good luck everyone on the brink of sorting out their debts - take the plunge!!!!

Posted: Tue Jul 03, 2012 7:16 am
by Struzzo39
LOvely post. Good luck for the future x

Posted: Tue Jul 03, 2012 8:52 am
by footiemad
Enjoyed reading your post Ruby - congratulations and my best wishes for a happy and debt free future x

Posted: Tue Jul 03, 2012 9:34 am
by Kelly O
What a lovely post Ruby - Congratulations on nearly completing your IVA :-)

All the best for a debt free future x