www.iva.co.uk

Very scary!!! The thing is they are all true.... I think the majority of people who declare bankruptcy won't actually come a cropper with the OR, I suspect it's the people who are trying to hide assets and earnings to avoid losing them. It does seem strange that it's a bankruptcy advice site and it's scaring the poo out of people who may be facing bankruptcy though.....[:(]

To be fair I don't think there is anything groundbreaking there. Anyone who enters bankruptcy who owns a house 'should' be well aware of the risks. Yes there is a certain stigma to bankruptcy in the way that it stays on your credit report for 6 years, and you would have to declare it with a mortgage, but then an IVA also stays with you for 6 years. If you had 'small' debts and assets to cover them, then surely you wouldn't be considering bankruptcy anyway... [?]

People need to be WELL aware of the concequences of bankruptcy - it certainly is not a soft option, but I think the scaremongering is a bit OTT here.

its sure just scared me.
i'm already worried to death starting my IVA incase it gets rejected.
Think i'll be looking for the nearest bridge if I end up at the BR stage looking at that website.

Don't even go there connie

It is never that bad provided that you get good advice and support from this site, family, friends and a professional that can usually dismiss all of the misunderstanding and grey area around IVAs' and Br.

Debt is only just numbers on a piece of paper and you absolutely must not let it ruin your life.

look at john tegg and andy - they have both done tremendous things AFTER a debt problem and are stronger and wiser .

vad921 wrote:

Please do not make postings which are merely unsolicited links. They will be deleted.
admin

Sorry. Can I not post a link to a relevant site????

Hi vad921
Sorry, but no, we cannot allow random unsolicited links..
The only members allowed to post links are the experts who by their very presence give integrity to the links. We welcome postings from all, and suggest that if you have a link that you think could bring value to the forum, that you contact those involved and ask them to make their own contribution directly to the forum, without touting for business.
admin

admin wrote:

Hi vad921
Sorry, but no, we cannot allow random unsolicited links..
The only members allowed to post links are the experts who by their very presence give integrity to the links. We welcome postings from all, and suggest that if you have a link that you think could bring value to the forum, that you contact those involved and ask them to make their own contribution directly to the forum, without touting for business.
admin

Ok. No problem. I didn't realise. I thought it of interest to people who use the forum thats all.
Sorry.

Hi vad921
We appreciate that you were only trying to be helpful, and thanks for that.. [:)] admin

Hiya, admin, does that mean that we can't post any links? I'm only asking because I've posted links without realising we wern't supposed to....

Hi chris.g
No worry.. we are talking about unsolicited links here. We appreciate that you've been giving great advice and support to members concerns and queries, and sometimes this includes a recommendation about, for example, which bank you have found good from a personal viewpoint. Great stuff [:)]
admin

Hi admin ... would you be good enough to clearly define for us your definition of (a) a solicited link (b) an unsolicited link just so that we all know ... i.e do all links have to be passed by an expert first?

(Sorry ... if I sound a bit school marmish but I'm in essay writing mode and keep writing to students about defining key terms in the essays!)

Many thanks

Debbie

Hi schoolmarm [:)]
unsolicited..
"not asked for"
"unasked advice"
.. think of an avalanche of unsolicited junk mail coming through your front door !
Generally speaking, as mentioned, the only members allowed to post links are the experts whose very presence guarantees their integrity.
If anyone is in doubt, please post a query via the 'ask a question' facility.
Good luck with your marking !
cheers,
admin

thanks admin, I thought I was in trouble there!!

Thanks 'admin'

Actually just finished marking the last of thrity-five 2000 word essays ... urrgghh

And I'm giving admin 92/100 for the definition! [:D] It didn't help of course that I didn't see the original post so I didn't see the link in question.

Admin ... another question ... how do I contact you directly regarding a question related to Forums but totally unrelated to the IVA forum?

Thanks

Debbie

P.S
Does anyone else get this feeling ... I envisage "Admin" as the fat controller in Thomas The Tank Engine [:D]