www.iva.co.uk

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.

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

Paul is right........... I started again and have never been happier!! good luck x

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

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

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]

Stacca ...good spin on things ....