A really good post. Well done for getting yourself off the wheel, it takes strength and courage to do so, admitting you are in debt, and the effect it has had on your life, has given you a fantastic foundation on which to rebuild your new life. Society and the banks create life debt in a big way. Debt should never be looked down on, the banks are still throwing about, they don't care. Be prepared for more calls and hassle. Do not be bullied or intimidated by letters sent by creditors.Save all of them and forward them on to you IVA provider. From now you will remain in control,nobody can rule you, you are the one who said stop, enough. #13;#10;The stigma of debt is diminishing, respect for taking control of your debts and moving forward with your life is growing. Well done you, and i'd shake your hand if i could, welcome the Forum Fighters gang !!!!