www.iva.co.uk

I am so glad I have found this forum.
I have finally admitted a problem after struggling to pay 68k worth of debt that kept building up all the time.
I feel really embarrassed that as an adult, home owner and mother of two that I got myself into such a situation. However - after finding this forum - it would now appear that I am normal and human after all!
I have only started the process today so all very new - I'm sure I will be abck on here again soon to ask for advice!

Hey apple2, welcome to the forum. You're definately in the right place, everyone is pretty much going through the same as you. You will get lots of support and advice whenever you need it so keep posting and good luck. Viki X

hi apple 2

welcome to the forum! please dont feel embarrassed or ashamed no one on here will judge you. we have all for one reason or another been in a financial mess!

you are doing the best thing by facing up to your debts and taking steps to get them sorted!

good luck and keep on posting, we are all friends on here and support each other!

love barb x

Welcome indeed.

If you have got to the stage where you can admit a problem, then the next step is to contact a professional directly.

Look at www.iva.com to see a few reviews etc and definitely speak to 2 or 3 people before you make a final decision.

Regards.

Hope you manage to find the right solution - and you have already made the first giant step by admitting that you have a problem. Things will feel far more manageable when you have taken professional advice and are in a position to consider all of the options available to you. The very best of luck in your search.

Hi apple and welcome to the forum.
You are not alone by any means. Keep posting and let us know how you are getting on. Take your time and check out all the debt solutions avaliable to you.

Ang

Apple, welcome to the Forum, we're all here for each other to help in anyway we can, both emotionally and practically. There isn't much that can't be answered on here.

You've taken that first step which is always the hardest.

Hi apple and welcome. We are all in the same boat,some have been at sea longer than others,but everyone on here will be supportive and as informative as they can be with any questions you may have. You are not alone.

Good luck.

Paul.

Just want to add my welcome. Apple, you're in good company and I'm sure you will make some good friends here and get some great advice

Hi Apple,
I know exactly how you feel. The thing that held me back more than anything was the embarrassment and shame. Once I made the call, however, things became much clearer and I realised that help is at hand. Thankfully my case has been taken up by Melanie's team and I fell much more positive. Like you, I'm only starting out but knowing that there is such a thriving, caring and compassionate community on this forum is a massive boost. I hope one day that I can be of use to someone, as everyone on here has been to me. Keep smiling!

Welcome Apple2,
You are definetely among friends here so don't feel anything but supported, more relaxed and loved!!
You have taken such a massive step to admit your problem and search for help. Do as advised and find the right IP and solution for you and you will feel soooo much better.
Starting off will be hard, but keep the faith we've all been through it and can help and guide you.
Chin up,
Hugs,
Chardonnay

Hi Apple

And welcome to the forum. You are definitely not alone with a debt problem. you must never feel embarassed, I know it's easier said than done. But we are all human after all and sometimes situations can be outside our control. The next step now is to get some good advice on how to proceed from now on. There are plenty of experts out there like on the forum who can assess your situation and give you the best solution for you.

I wish you all the best,just look forward to a debt free future!

Maz

welcome apple glad you made the call

Just wanted to reiterate what everyone else has said apple ... you are by no means the only one!

Keep posting on the Forum ... we are all here to support you on your journey.

Debbie

I can relate to your feelings and was too embarrased to contact an IP due to my spending on cards as recent as the day before! I contacted Tina (Melanies Company) and she made me feel that I wasn't the bad person I thought I was. Hope you find your solution quickly and all the best x