www.iva.co.uk

hi, my husband and i both have a large amount of debt accumulated over the last few years, we have 4 children, 2 of them with disabilites who we are carers for and have been unable to work due to this. we have very little spare money each month but know we have to do something about our debts, we could really do with some advice please.

Hello and welcome. Might I suggest you pop over to www.iva.com where you will find a list of reputable companies who can advise.

It's a good idea to ring a few, to get a feel for the information and to see who you "gel" with.

After the first call ( which is painless) you will have a better idea and can then ask more questions here as needed.

The advice is free and without obligation.

Hi Mrs & Mrs S. Welcome to the Forum. sorry to hear you are struggling financial, on top of being carers. I'd probably suggest that you call a few Companies to discuss your circumstances and explore all options open to you - it's definitely worth doing some 'homework' on different companies. There are also some great experts on hear, and you could use the "Ask a Question" on the top left side of this page for a response directly from an expert. There's a lot of help/advice available, and I'm sure you'll get the help you need to move forward. Good luck.

Have a look through some of the questions posted and then see which companies are actively taking a genuine interest Then have a chat with the one you feel can offer you the best advice
Best to start things sooner than later First step is make the phonecall and take it from there
best of luck

Hi and welcome

Speak to several experts/companies and explore all options

There will be a solution for you

Regards

Hi, well done for taking the first step to sort it all out. You will find it a relief after speaking to a few ips and finding a way forward. Good luck keep everyone posted

HI and welcome to the forum from us. Heres hoping you get sorted soon and join us on the road to debt freedom. You've done the worst bit now by admitting and facing that there is a problem. Keep in touch and let us know how you get on x

Hi Mr and Mrs S welcome to the forum.

Glad you found us all on here as it is a great place for advice and support which are euqlly important especially when you've got the pressures you have.

Like everyone else says, chat to a couple of companies to understand your options and see where you feel most comfortable moving forward. You will want to make sure you choose the right company to look after you so time spent up front is well worth it. And that aside there are some great people on here to give you a supportive ear and shoulder when things get tough. We do also find the odd time to have a smile on here too!