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Posted: Sat Jul 05, 2008 10:08 pm
by missybc
wizard says no to an iva. but i have an endowment mortgage.
Posted: Sat Jul 05, 2008 10:17 pm
by pbeck
Can you explain your circumstances a bit more, then we can advise you as to whether you are a suitable candidate for an IVA.
Posted: Sun Jul 06, 2008 12:17 am
by MelanieGiles
Things like the wizard on this and other forums I have seen, only really give very limited guidance to the options there are available when you are in debt that you cannot repay. They cannot replace the advice provided by suitably qualified professionals such as insolvency practitioners.
Posted: Sun Jul 06, 2008 7:51 am
by Soulgrowth
Hi missybc
Just wanted to welcome you to the Forum. It's always better to talk to a human expert rather than a 'machine' ... so make a few calls in person to some good IPs (there are a number who post here on the Forum ... Melanie, Philip and Ian amongst them) ... and they will be able to give a clearer picture of the options available to you.
You might also like to post a list of your creditors and amounts owed and your monthly income for some of the experts to cast an eye over.
Well done on taking some of the first steps to addressing your debt situation ... you wont look back.
Keep in touch with the Forum and let us know how you are getting on.
Debbie
Posted: Sun Jul 06, 2008 9:03 am
by Adam Davies
Hi
I agree
The wizard is only a guide,you need advice from an IP
Regards